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Citizens Financial Services, Inc. (CZFS)

Financial Services | Banks - Regional | Mansfield, United States | NasdaqCM
68.35 USD +3.55 (5.478%) ⇧ (April 17, 2026, 4 p.m. EDT)
After hours: 68.35

Short-term: ★★★☆☆ | Long-term: ★★★★☆ | Dividends: ★★★★☆
Hot Take | April 11, 2026, 1:09 p.m. EDT

CZFS shows a mixed short-term outlook with recent price fluctuations, but it has a strong dividend yield and consistent dividend payouts. The stock is currently trading near its 52-week high, suggesting potential for a pullback or consolidation. While the short-term momentum is neutral, the long-term fundamentals are solid with a reasonable payout ratio and a track record of dividend consistency. Investors looking for a stable income stream with growth potential might consider holding or buying on dips.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.037963
AutoARIMA0.037963
MSTL0.039348
AutoTheta0.057291

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 61%
H-stat 1.93
Ljung-Box p 0.000
Jarque-Bera p 0.217
Excess Kurtosis -0.61
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-03-12
Last Dividend Date 2026-03-12
Revenue per Share 22.922
Market Cap 328,573,408
Trailing P/E 8.97
Forward P/E 8.62
Beta 0.41
Profit Margins 33.26%
Website https://www.firstcitizensbank.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.85% 3.37% 3.62% 3.45%
Dividend History
Date Dividend Yield %
2026-03-13 0.500000 0.847601
2025-12-12 0.500000 0.823887
2025-09-12 0.500000 0.786215
2025-06-13 0.490000 0.907689
2025-03-14 0.495000 0.899124
2024-12-13 0.490000 0.735933
2024-09-13 0.490000 0.918278
2024-06-14 0.485000 1.212479
2024-03-14 0.485149 1.266547
2023-12-14 0.485149 0.823611
2023-09-14 0.485149 1.061072
2023-06-08 0.480198 0.589391
2023-03-09 0.475444 0.694561
2022-12-15 0.470542 0.705150
2022-09-15 0.470542 0.706394
2022-06-09 0.465641 0.766297
2022-03-10 0.461030 0.870862
2021-12-15 0.456177 0.897418
2021-09-15 0.456177 0.875297
2021-06-10 0.446471 0.870182
2021-03-11 0.451324 0.960620
2020-12-14 0.446471 1.112816
2020-09-10 0.446471 1.155322
2020-06-11 0.441619 1.015041
2020-03-12 0.538678 1.209266
2019-12-12 0.436766 0.905059
2019-09-12 0.436766 0.966444
2019-06-13 0.431913 0.913045
2019-03-14 0.431913 0.938492
2018-09-13 0.427060 0.890062
2018-06-14 0.422207 0.889031
2018-03-15 0.418026 0.895339
2017-12-14 0.413222 0.881369
2017-09-14 0.413222 1.007501
2017-06-14 0.389197 1.006247
2017-03-15 0.408417 1.064640
2016-12-14 0.403612 1.112383
2016-09-14 0.403612 1.084007
2016-06-21 0.398807 1.180880
2016-03-16 0.398807 1.156025
2015-12-16 0.394002 1.188226
2015-09-16 0.490100 1.506699
2015-06-17 0.389197 1.148529
2015-03-18 0.389197 1.112941
2014-12-11 0.384392 1.076557
2014-09-17 0.960980 2.764012
2014-06-18 0.366134 1.047958
2014-03-19 0.366314 0.962907
2013-12-17 0.366314 1.133021
2013-09-18 0.271168 0.889194
2013-06-19 0.257847 0.850563
2013-03-20 0.258255 0.868924
2012-12-19 0.344340 1.301411
2012-10-17 0.276378 1.041843
2012-07-18 0.269129 1.056663
2012-04-18 0.269156 1.272358
2012-01-18 0.264670 1.371593
2011-11-16 0.089719 0.452961
2011-10-19 0.242240 1.262644
2011-07-13 0.235063 1.097816
2011-04-13 0.237754 1.140402
2011-01-12 0.233268 1.050119
2010-11-24 0.067289 0.345557
2010-10-13 0.233268 1.321442
2010-07-14 0.226091 1.542312
2010-04-14 0.228782 1.546729
2010-01-13 0.224296 1.576454
2009-11-12 0.044859 0.339936
2009-10-14 0.224296 1.826570
2009-07-15 0.218016 1.921631
2009-04-15 0.217634 2.031156
2009-01-14 0.213193 2.168059
2008-11-12 0.044415 0.434956
2008-10-15 0.213193 2.197978
2008-07-09 0.206975 1.778443
2008-04-09 0.206684 2.045272
2008-01-10 0.202287 2.208452
2007-10-10 0.202287 1.963803
2007-07-11 0.196130 1.915871
2007-04-11 0.195930 1.797603
2007-01-10 0.191576 1.859534
2006-10-11 0.191576 1.924066
2006-07-12 0.185480 1.952308
2006-04-11 0.185368 1.896648
2006-01-11 0.181057 2.027815
2005-04-13 0.174997 1.659819
2005-01-12 0.170728 1.700663
2004-10-13 0.170728 1.862393
2004-04-14 0.166460 1.670346
2004-01-14 0.162192 1.647506
2003-10-15 0.162192 1.724851
2003-04-09 0.156360 1.676067
2003-01-15 0.152134 1.747832
2002-10-10 0.147908 1.956976
2002-07-10 0.143682 2.156320
2002-04-10 0.142260 2.172585
2002-01-11 0.138076 2.721250
2001-10-10 0.138076 2.839042
2001-07-11 0.132566 2.608888
2001-04-10 0.132566 2.954556
Additional Data
dividendRate 2.0
dividendYield 2.96
exDividendDate 2026-03-13
trailingAnnualDividendRate 1.98
trailingAnnualDividendYield 0.030555554
lastDividendValue 0.5
lastDividendDate 2026-03-13
dividendDate 2026-03-27

Info Dump

Attribute Value
52 Week Change 0.2422756
Address1 15 South Main Street
All Time High 91.08911
All Time Low 8.492496
Ask 67.0
Ask Size 1
Audit Risk 4
Average Daily Volume10 Day 6,310
Average Daily Volume3 Month 10,874
Average Volume 10,874
Average Volume10Days 6,310
Beta 0.411
Bid 65.6
Bid Size 1
Board Risk 4
Book Value 70.324
City Mansfield
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 10
Country United States
Crypto Tradeable 0
Currency USD
Current Price 68.35
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 68.35
Day Low 65.9
Display Name Citizens Financial Services
Dividend Date 1,774,569,600
Dividend Rate 2.0
Dividend Yield 2.96
Earnings Growth 0.313
Earnings Quarterly Growth 0.313
Earnings Timestamp 1,769,806,800
Earnings Timestamp End 1,778,184,000
Earnings Timestamp Start 1,778,184,000
Ebitda Margins 0.0
Enterprise To Revenue 5.545
Enterprise Value 609,781,440
Eps Current Year 7.81
Eps Forward 7.93
Eps Trailing Twelve Months 7.62
Esg Populated 0
Ex Dividend Date 1,773,360,000
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 62.6068
Fifty Day Average Change 5.7431984
Fifty Day Average Change Percent 0.09173442
Fifty Two Week Change Percent 24.22756
Fifty Two Week High 69.3
Fifty Two Week High Change -0.9500046
Fifty Two Week High Change Percent -0.013708579
Fifty Two Week Low 49.99
Fifty Two Week Low Change 18.359997
Fifty Two Week Low Change Percent 0.3672734
Fifty Two Week Range 49.99 - 69.3
Financial Currency USD
First Trade Date Milliseconds 915,460,200,000
Five Year Avg Dividend Yield 3.16
Float Shares 4,503,980
Forward Eps 7.93
Forward P E 8.619167
Full Exchange Name NasdaqCM
Full Time Employees 373
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,775,001,600
Gross Margins 0.0
Gross Profits 109,970,000
Has Pre Post Market Data 1
Held Percent Insiders 0.06323
Held Percent Institutions 0.29162002
Implied Shares Outstanding 4,807,219
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,022-06-03
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,773,360,000
Last Dividend Value 0.5
Last Fiscal Year End 1,767,139,200
Last Split Date 1,718,323,200
Last Split Factor 101:100
Long Business Summary 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.
Long Name Citizens Financial Services, Inc.
Market us_market
Market Cap 328,573,408
Market State CLOSED
Max Age 86,400
Message Board Id finmb_392343
Most Recent Quarter 1,767,139,200
Net Income To Common 36,572,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 325,016,557
Number Of Analyst Opinions 1
Open 65.9
Operating Cashflow 36,534,000
Operating Margins 0.46845
Overall Risk 7
Payout Ratio 0.26049998
Phone 570 662 2121
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 68.35
Post Market Time 1,776,456,604
Previous Close 64.8
Price Eps Current Year 8.7516
Price Hint 2
Price To Book 0.9719299
Price To Sales Trailing12 Months 2.987846
Profit Margins 0.33256
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 3.55
Regular Market Change Percent 5.47839
Regular Market Day High 68.35
Regular Market Day Low 65.9
Regular Market Day Range 65.9 - 68.35
Regular Market Open 65.9
Regular Market Previous Close 64.8
Regular Market Price 68.35
Regular Market Time 1,776,456,001
Regular Market Volume 6,299
Return On Assets 0.01201
Return On Equity 0.11468001
Revenue Growth 0.097
Revenue Per Share 22.922
Sand P52 Week Change 0.38150132
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 4,807,219
Shares Percent Shares Out 0.0104
Shares Short 49,941
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 36,543
Short Name Citizens Financial Services, In
Short Percent Of Float 0.011
Short Ratio 4.22
Source Interval 15
State PA
Symbol CZFS
Target High Price 69.0
Target Low Price 69.0
Target Mean Price 69.0
Target Median Price 69.0
Total Cash 45,038,000
Total Cash Per Share 9.369
Total Debt 326,246,016
Total Revenue 109,970,000
Tradeable 0
Trailing Annual Dividend Rate 1.98
Trailing Annual Dividend Yield 0.030555554
Trailing Eps 7.62
Trailing P E 8.969816
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 59.83975
Two Hundred Day Average Change 8.51025
Two Hundred Day Average Change Percent 0.14221734
Type Disp Equity
Volume 6,299
Website https://www.firstcitizensbank.com
Zip 16,933