Stocktoria
CITIZENS FINANCIAL SERVICES INC CZFS
CITIZENS FINANCIAL SERVICES INC (CZFS) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.69% (safety: safe). FY2025 revenue was $9.9M at a 370.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CZFS | CITIZENS FINANCIAL SERVICES INC | 5/9 | — | 9.7 | — |
| BFST | Business First Bancshares, Inc. | 5/9 | — | 11.5 | +1.2% |
| MCB | Metropolitan Bank Holding Corp. | 4/9 | — | 17.4 | -53.8% |
| NWFL | NORWOOD FINANCIAL CORP | 5/9 | — | 12.7 | — |
| FXNC | FIRST NATIONAL CORP /VA/ | 4/9 | — | 15.6 | +0.8% |
| RBB | RBB Bancorp | 3/9 | — | — | — |
| BOTJ | BANK OF THE JAMES FINANCIAL GROUP INC | 6/9 | — | 12.3 | — |
All Finance, Insurance & Real Estate companies →
About CITIZENS FINANCIAL SERVICES INC
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.
FAQ
Is CZFS financially healthy?
CITIZENS FINANCIAL SERVICES INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does CZFS pay a dividend, and is it safe?
Yes. CITIZENS FINANCIAL SERVICES INC pays a dividend yielding about 2.69% with a 26.1% payout ratio, rated “safe” for safety.
How profitable is CZFS?
In FY2025, CITIZENS FINANCIAL SERVICES INC had a net margin of 370.1% and a return on equity of 10.8%.
Is CZFS overvalued or undervalued?
CITIZENS FINANCIAL SERVICES INC trades at about 10.9× trailing earnings — near its 10-year norm (10-year range 8.3×–16.8×, median 11.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CZFS?
The average Wall-Street price target for CITIZENS FINANCIAL SERVICES INC is $71.00, about 14.4% below the recent price, from 1 analysts.
Is CZFS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CITIZENS FINANCIAL SERVICES INC: a Piotroski F-score of 5/9, a P/E of about 9.7×, a dividend yield of 2.69%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.