Citizens Financial Services (CZFS) AI Stock Analysis

Citizens Financial Services

(NASDAQ:CZFS)

Select Model

Rating:79Outperform

Price Target:$94.00▲(8.29% Upside)

Action:reiterated

Date:08/06/26

The score is driven primarily by strong financial performance and an attractive valuation. Technical trends are supportive but somewhat stretched, while the lack of earnings call and corporate event data leaves the result anchored by fundamentals and price action.

Positive Factors

Improving ROEROE rising to ~12% reflects improved capital productivity and stronger core profitability versus prior years. Sustained higher ROE supports internal capital generation, dividend capacity and reinvestment ability, indicating durable operational improvement if maintained.

Negative Factors

Rising LeverageHigher debt-to-equity reduces capital flexibility and raises sensitivity to funding stress or credit deterioration. Greater leverage can amplify losses in downturns, constrain strategic options and increase regulatory or market scrutiny, making balance sheet risk a durable watch item.

Citizens Financial Services (CZFS) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $410.52M
Dividend Yield: 2.37%
Average Volume (3M): 39.38K
Price to Earnings (P/E): 9.5
Beta (1Y): 0.73
Revenue Growth: 4.04%
EPS Growth: 26.08%
Country: US
Employees: 391
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Citizens Financial Services Business Overview & Revenue Model

Company Description

Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government ent...

How the Company Makes Money

Citizens Financial Services primarily earns revenue through (1) net interest income and (2) noninterest income. Net interest income is generated by collecting interest and fees on loans (such as commercial real estate, commercial and industrial, resi...

Citizens Financial Services Financial Statement Overview

Summary

Strong revenue growth, expanding margins, and improving ROE support a high financial score, but elevated leverage and uneven free cash flow growth keep it below the top tier.

Income Statement

82Very Positive

Balance Sheet

74Positive

Cash Flow

68Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	176.14M	173.24M	168.62M	138.72M	93.09M	85.52M
Gross Profit	116.11M	109.70M	98.17M	86.34M	80.19M	76.87M
EBITDA	52.59M	47.19M	35.49M	23.04M	36.53M	36.43M
Net Income	41.05M	36.57M	27.82M	17.81M	29.06M	29.12M
Balance Sheet
Total Assets	3.19B	3.06B	3.03B	2.98B	2.33B	2.14B
Cash, Cash Equivalents and Short-Term Investments	530.74M	74.17M	93.14M	470.42M	471.77M	596.26M
Total Debt	394.02M	309.45M	297.72M	302.04M	257.28M	73.98M
Total Liabilities	2.84B	2.73B	2.73B	2.70B	2.13B	1.93B
Stockholders Equity	352.83M	338.05M	299.73M	279.67M	200.15M	212.49M
Cash Flow
Free Cash Flow	38.13M	35.24M	31.87M	23.92M	31.61M	37.59M
Operating Cash Flow	37.53M	36.53M	33.18M	26.54M	33.24M	38.69M
Investing Cash Flow	-219.62M	-40.08M	-69.07M	59.47M	-362.45M	-158.23M
Financing Cash Flow	172.03M	-4.37M	25.27M	-59.40M	182.59M	223.66M

Citizens Financial Services Technical Analysis

Technical Analysis SentimentPositive

Last Price86.80

Price Trends

50DMA80.98Positive

100DMA77.51Positive

200DMA70.04Positive

Market Momentum

MACD1.32Negative

RSI67.13Neutral

STOCH68.29Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CZFS, the sentiment is Positive. The current price of 86.80 is above the 20-day moving average (MA) of 81.16, above the 50-day MA of 80.98, and above the 200-day MA of 70.04, indicating a bullish trend. The MACD of 1.32 indicates Negative momentum. The RSI at 67.13 is Neutral, neither overbought nor oversold. The STOCH value of 68.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CZFS.

Citizens Financial Services Risk Analysis

Citizens Financial Services disclosed 22 risk factors in its most recent earnings report. Citizens Financial Services reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

1 New Risk

1.Item 1A – Risk FactorsQ2, 2026

Citizens Financial Services Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CZFS against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLBC	81Outperform	$438.77M	10.42	15.86%	2.05%	24.22%	39.38%
CZFS	79Outperform	$410.52M	9.54	12.40%	2.37%	4.04%	26.08%
JMSB	78Outperform	$323.73M	12.14	9.80%	1.22%	6.77%	33.32%
PCB	78Outperform	$410.80M	9.75	10.72%	2.94%	3.68%	23.37%
NECB	71Outperform	$397.99M	9.24	11.44%	3.11%	-3.81%	-7.33%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WSBF	65Neutral	$351.45M	11.37	8.63%	3.38%	4.60%	52.13%

* Financial Sector Average

Performance Comparison

CZFS and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CZFS	Citizens Financial Services	85.35	31.73	59.18%
NECB	Northeast Community	28.91	9.57	49.45%
PLBC	Plumas	63.05	22.93	57.15%
WSBF	Waterstone Financial	19.55	4.88	33.28%
PCB	PCB Bancorp	29.25	8.44	40.53%
JMSB	John Marshall Bancorp	22.94	4.26	22.82%

Citizens Financial Services Corporate Events

Executive/Board ChangesRegulatory Filings and Compliance

Citizens Financial Services Adds Director and Updates Executive Pay

Neutral

Jun 22, 2026

On June 16, 2026, Citizens Financial Services appointed existing First Citizens Community Bank director John D. Behm to its board, where he will serve as a non‑employee director, while continuing his roles on the bank’s Credit and Trust I...

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Aug 06, 2026

Citizens Financial Services AI Stock Analysis