New insider activity at Citizens Financial Services ( (CZFS) ) has taken place on November 4, 2025.
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CEO & President Randall E. Black has made a significant investment in Citizens Financial Services by purchasing 478 shares of the company’s stock, valued at $25,862.
Recent Updates on CZFS stock
Citizens Financial Services (CZFS) recently reported its Q3 2025 earnings, showcasing a significant 32.7% increase in net income to $10 million, driven by higher net interest income and reduced credit loss provisions. The company’s strong financial performance is further evidenced by a 12.9% rise in net interest income and a decrease in non-performing assets by 19.6%. Total assets grew to $3.06 billion, with notable increases in deposits and stockholders’ equity. Despite these positive financial metrics, analysts have maintained a Hold rating on the stock, citing potential short-term technical challenges and bearish market trends. However, the company’s attractive valuation, low P/E ratio, and healthy dividend yield offer long-term appeal for value investors. Management remains optimistic about future growth opportunities and enhancing shareholder value through strategic initiatives.
Spark’s Take on CZFS Stock
According to Spark, TipRanks’ AI Analyst, CZFS is a Neutral.
Citizens Financial Services demonstrates strong financial performance with robust revenue growth and profitability. However, technical indicators suggest a bearish trend, which could pose short-term challenges. The stock’s valuation is attractive, with a low P/E ratio and a healthy dividend yield, making it appealing for value investors. Overall, the company’s solid financial foundation supports a positive long-term outlook, but investors should be cautious of current market momentum.
To see Spark’s full report on CZFS stock, click here.
More about Citizens Financial Services
YTD Price Performance: -11.27%
Average Trading Volume: 9,087
Technical Sentiment Signal: Sell
Current Market Cap: $260.8M