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CZFSCZFSFinancial Services · Banks - Regional

CZFS Stock Forecast: Citizens Financial Services, Inc. Price Predictions for 2026-2027

Last close, 14 Oct 2026
$78
−0.71% on the day

The 1 Wall Street analysts covering Citizens Financial Services, Inc. hold a median 12-month price target of $89 — +13.7% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 75 of 100 as at 14 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$376.5M
Ticker Nerd rank
75 / 100
Median analyst target
$89
Analysts covering
1
Revenue$29.7M+8.8% y/y
Net income$10.2M
Free cash flow−$376K
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−0.8%
1M
−5.1%
YTD
+40.4%
1Y
+43.9%
From 52W high
−5.9%
From 52W low
+51.8%
$52
$83
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CZFS stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Citizens Financial Services, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 14 Oct 2026
75 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Momentum
82
Quality
81
Value
78
Growth
75
Revisions
64
Size
56
Issuance
45
Volatility
34
Accruals
24

Momentum (82): The shares have been drifting up relative to others.

Accruals (24): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

CZFS stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CZFS, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$50$60$70$80$90Jan 26Apr 26Jul 26Oct 26CZFSHigh $89Median $89Low $89

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says1 analysts
1 Buy0 Hold0 Sell
Low $89Median $89High $89

The green dot is the last close — the median target sits +13.7% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
30 Apr 2024Janney Montgomery ScottUpgradeBuy—
30 Apr 2024Janney Montgomery ScottUpgradeBuy—
29 June 2023Janney Montgomery ScottDowngradeNeutral—
26 Jan 2021Janney CapitalUpgradeBuy—
26 Jan 2021Janney Montgomery ScottUpgradeBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. CZFS appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

CZFS vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 14 Oct 2026, Citizens Financial Services, Inc. returned +43.9% against +17.5% for the S&P 500, dividends included.

CZFS vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130140150160Jan 26Apr 26Jul 26Oct 26CZFSS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CZFS analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+6.0%
Analysts raising
1
Analysts cutting
0
Fundamentals

Citizens Financial Services, Inc. (CZFS) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
9.2×

Cheaper than 59% of US stocks

Price / sales
3.3×

Cheaper than 36% of US stocks

Price / book
1.1×

Cheaper than 68% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
10.0%

Higher than 52% of US stocks

Earnings growth (YoY)
20.4%

Higher than 59% of US stocks

Gross margin
—
Operating margin
44.5%

Higher than 94% of US stocks

Net margin
35.8%

Higher than 93% of US stocks

Returns & dividend
Return on equity
12.3%

Higher than 69% of US stocks

Return on assets
1.3%

Higher than 54% of US stocks

Dividend yield
2.6%

Higher than 83% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Citizens Financial Services, Inc. (CZFS) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Citizens Financial Services, Inc. has a market value of $376.5M and an enterprise value of $725.0M.

  • Revenue in the twelve months to 30 June 2026: $118.1M. The latest quarter grew 10.0% year on year.

  • Net income over the same four quarters: $41.1M, a 34.8% net margin.

  • Diluted earnings per share, trailing twelve months: $8.55.

  • Free cash flow in the twelve months to 30 June 2026: $36.9M.

  • Citizens Financial Services, Inc. spent $554K on share buybacks and $9.7M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 4.8M.

  • Trailing P/E: 9.2×; forward P/E: 8.9× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 2.60%, paying out 24% of earnings.

  • Citizens Financial Services, Inc. employs 388 people — $304K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 15 Oct 2026

Data provided by Twelve Data

Peers

CZFS vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
CZFSCitizens Financial Services, Inc.$376.5M
75
FNLCThe First Bancorp, Inc. (Maine)$375.4M
69
MVBFMVB Financial Corp.$374.2M
79
FRSTPrimis Financial Corp.$379.4M
73
CHMGChemung Financial Corp.$379.6M
87
FCBMFirst Carolina Financial Services, Inc.$379.9M
2
PKBKParke Bancorp, Inc.$380.0M
78

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Citizens Financial Services, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest CZFS news & analysis

Citizens Financial Services (CZFS) Could Be a Great Choice

Zacks Investment Research · 2 Oct 2026positive

Zacks Investment Research published an article exploring whether Citizens Financial Services (CZFS) could be a strong dividend stock choice for shareholders. The piece highlights the benefits of dividends while evaluating CZFS's potential as a dividend investment.

Why it matters — Investors following CZFS would be interested in a positive assessment of the company's dividend-paying potential, which could influence how they view the stock.

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now

Zacks Investment Research · 31 Aug 2026positive

Zacks Investment Research published an article examining whether Citizens Financial Services (CZFS) qualifies as a strong dividend stock, highlighting that dividends are a key benefit for shareholders. The piece poses the question of whether CZFS has the qualities needed for a great dividend stock.

Why it matters — CZFS watchers would care because the article focuses on the company's dividend prospects, which are a significant consideration for income-focused shareholders.

Despite Recent Gains, Opportunity Remains With Citizens Financial Services

Seeking Alpha · 30 Aug 2026positive

Citizens Financial Services was rated Buy with the report citing strong profit growth, solid operational metrics, and a discounted valuation despite recent share price gains. The Q2 2026 earnings beat expectations, net interest margin expanded to 3.69%, and tangible book value per share rose 17.6% year over year.

Why it matters — A CZFS watcher would care because the rating and reported operational and valuation metrics reflect the company's recent financial performance and how it compares with regional banking peers.

All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy

Zacks Investment Research · 14 Aug 2026positive

Zacks Investment Research upgraded Citizens Financial Services (CZFS) to a Zacks Rank #1 (Strong Buy), citing growing optimism about the company's earnings prospects. The upgrade reflects the research firm's positive outlook on CZFS's expected performance.

Why it matters — A Strong Buy rating from Zacks signals improved analyst confidence in CZFS's earnings outlook, which could draw interest from investors following the stock.

Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio

Zacks Investment Research · 14 Aug 2026positive

Zacks Investment Research highlights Citizens Financial Services (CZFS) as a top dividend stock, noting that dividends are a key benefit for shareholders and posing whether CZFS has what it takes to be a strong dividend pick.

Why it matters — A positive mention from Zacks as a top dividend stock signals recognition of CZFS's dividend appeal to income-focused investors watching the company.

FAQ

Frequently asked questions about CZFS stock

What is the CZFS stock price forecast for 2026-2027?

The 1 Wall Street analysts covering Citizens Financial Services, Inc. have a median 12-month price target of $89, with estimates ranging from $89 to $89. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CZFS stock a buy right now?

Of the 1 analysts covering Citizens Financial Services, Inc., 1 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Citizens Financial Services, Inc. 75 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CZFS?

As at 14 Oct 2026, Citizens Financial Services, Inc. ranks 75 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (82 of 100).

Will CZFS stock go up?

No one can know that. What the data says: the median 12-month target from 1 analysts implies +13.7% from the last close, and Ticker Nerd's factor model ranks Citizens Financial Services, Inc. 75 out of 100 as at 14 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CZFS stock forecast for 2030?

No analyst covering Citizens Financial Services, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CZFS are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $89 to $89 over the next 12 months.

How has CZFS stock performed over the past year?

Citizens Financial Services, Inc. returned +43.9% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Citizens Financial Services, Inc. do?

Citizens Financial Services Inc. is a bank holding company and the parent of First Citizens Community Bank, a full-service community bank serving individuals, businesses, municipalities, and institutional clients.

What is the latest news on CZFS?

The most recent item we track (Zacks Investment Research, 2 Oct 2026): "Citizens Financial Services (CZFS) Could Be a Great Choice". Zacks Investment Research published an article exploring whether Citizens Financial Services (CZFS) could be a strong dividend stock choice for shareholders. The piece highlights the benefits of dividends while evaluating CZFS's potential as a dividend investment.

Company

About Citizens Financial Services, Inc.

Citizens Financial Services Inc. is a bank holding company and the parent of First Citizens Community Bank, a full-service community bank serving individuals, businesses, municipalities, and institutional clients. Citizens Financial Services Inc. provides a broad mix of deposit and lending products, including checking, savings, time deposits, residential mortgages, commercial real estate loans, agricultural lending, commercial and industrial credit, consumer loans, and public-sector financing. Through its banking subsidiaries, it also offers trust administration, retirement plan services, investment services, brokerage, insurance agency services, and realty-related support. Headquartered in Mansfield, Pennsylvania, Citizens Financial Services Inc. focuses on relationship-based banking and financial services across regional markets in Pennsylvania and nearby states, supporting everyday banking needs as well as specialized business and wealth-related services.

CEO Mr. Randall E. Black · 388 employees · United States · https://www.firstcitizensbank.com