Citizens Financial Services Inc. (CZFS)

Name: Citizens Financial Services Inc. (CZFS) Share Price Today, Stock Analysis, Annual Report | Value Research
Brand: Citizens Financial Services Inc. (CZFS)

Stock Card

$83.85

$0.26 (0.31%)

As on 04-Sep-2026 10:50EDT

Market cap

$390 Mln

Revenue (TTM)

$176 Mln

P/E Ratio

9.5

P/B Ratio

1.1

Div. Yield

2.5 %

Citizens Financial Services Inc. (CZFS) Share Price

Compare

High: Low: Return:

Price P/E Ratio P/B Ratio

Stock Range

Today’s Range

Low: 81.99 High: 84.05

52 Week Range

Low: 52.35 High: 84.65

Liquidity

Low Moderate High

Fundamentals

Net Profit (TTM)

$0 Mln
ROE

0.1 %
ROCE

-- %
Industry P/E

12.84
EV/EBITDA

0
Debt to Equity

1.1
Book Value

$--
EPS

$8.6
Face value

--
Shares outstanding

4,809,855

10 Years Aggregate

CFO

$211.01 Mln

EBITDA

$257.31 Mln

Net Profit

$189.29 Mln

Company	YTD	1 Month	3 Months	1 Year	3 Years	5 Years	10 Years
Citizens Financial Services Inc. (CZFS)	47.1	9.6	33.8	39.6	15.0	6.4	6.6
BSE Sensex	-9.6	-2.7	2.9	-5.0	5.4	5.7	10.4
S&P Small-Cap 600^#	-5.8	-5.3	-13.7	-6.3	5.3	3.0	5.5

As on 04-Sep-2026 | #As on 26-Oct-2023

Company	2025	2024	2023
Citizens Financial Services Inc. (CZFS)	-9.9	-1.2	-14.8
S&P Small-Cap 600	4.0	7.0	13.9
BSE Sensex	9.1	8.1	18.7

Financials

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Key Ratios

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Peers

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Company	Price ($)	Market Cap ($ Mln)	Revenue (TTM)	Net Profit (TTM)	OPM (%)	ROE (%)	P/E	P/B
Citizens Financial Services Inc. (CZFS)	83.9	390.3	175.9	41.1	28.6	11.9	9.5	1.1
Banco Santander - Chile ADS - ADR	35.9	16,894.2	4,850,848.0	1,127,054.0	28.3	20.8	14	3.1
Cullen/Frost Bankers (CFR)	163.2	10,113.5	2,643.3	683.7	30.8	14.9	15.3	2.2
East West Bancorp (EWBC)	131.1	17,734.8	4,715.7	1,446.2	39.4	15.9	12.4	1.9
First Horizon National Corporation (FHN)	25.1	11,816.0	4,633.0	1,057.0	22.5	11.6	12	1.4
Old National Bancorp (ONB)	26.0	9,889.4	4,032.4	886.3	28.7	10.4	11.4	1.2
South State Corp (SSB)	107.9	10,386.9	3,247.6	950.2	16.0	10.4	11.3	1.1
UMB Financial (UMBF)	143.3	10,981.2	4,560.4	942.7	22.1	12	12	1.4
Wintrust Financial (WTFC)	154.2	10,317.3	4,345.8	900.4	20.7	12.2	12.3	1.5
Woori Financial Group Inc (WF)	74.5	18,773.6	9,224,158.7	3,289,261.2	27.9	8.5	8.5	0.6

Shareholding Pattern

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About Citizens Financial Services Inc. (CZFS)

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and... time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania. Read more

Vice Chairman, President & CEO

Mr. Randall E. Black
Vice Chairman, President & CEO

Mr. Randall E. Black
Headquarters

Mansfield, PA
Website

https://www.firstcitizensbank.com

FAQs for Citizens Financial Services Inc. (CZFS)

What is the current share price of Citizens Financial Services Inc (CZFS) Today?

The share price of Citizens Financial Services Inc (CZFS) is $83.85 (NASDAQ) as of 04-Sep-2026 10:50 EDT. Citizens Financial Services Inc (CZFS) has given a return of 15.01% in the last 3 years.

What is the current PB & PE ratio of Citizens Financial Services Inc (CZFS)?

The P/E ratio of Citizens Financial Services Inc (CZFS) is 9.49 times as on 28-Aug-2026, a 26 discount to its peers’ median range of 12.84 times.
The P/B ratio of Citizens Financial Services Inc (CZFS) is 1.11 times as on 28-Aug-2026, a 15 discount to its peers’ median range of 1.31 times.

PE & PB ratio at the end of financial year.

Year	P/E Ratio	P/B Ratio
2025	7.48	0.81
2024	10.82	1.00
2023	17.42	1.11
2022	10.68	1.55
2021	8.55	1.17

What is the 52 Week High and Low of Citizens Financial Services Inc (CZFS)?

The 52-week high and low of Citizens Financial Services Inc (CZFS) are Rs 84.65 and Rs 52.35 as of 06-Sep-2026.

What is the market cap of Citizens Financial Services Inc (CZFS)?

Citizens Financial Services Inc (CZFS) has a market capitalisation of $ 390 Mln as on 28-Aug-2026. As per SEBI classification, it is a Small Cap company.

Should I invest in Citizens Financial Services Inc (CZFS)?

Before investing in Citizens Financial Services Inc (CZFS), assess your goals, risk tolerance, and if the company aligns with your long-term plan. Carefully review its business model, financials, and valuation. Avoid making decisions based on tips or short-term trends.

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