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CZFS Stock Forecast 2026-2027
$64.40
Current Price
$309.53M
Market Cap
Buy 1
Hold 0
Sell 0
Wall St Analyst Ratings
Distance to CZFS Price Targets
+0.9%
To High Target of $65.00
+0.9%
To Median Target of $65.00
+0.9%
To Low Target of $65.00
CZFS Price Momentum
+6.8%
1 Week Change
+9.4%
1 Month Change
+3.3%
1 Year Change
+12.9%
Year-to-Date Change
-2.1%
From 52W High of $65.80
+28.8%
From 52W Low of $49.99
📊 TOP ANALYST CALLS
Did CZFS Make This Month's Elite Buy List?
We don't follow just any analyst — only the top 3% with a proven track record make our cut. See if Citizens Financial is one of their latest high-conviction picks.
Latest CZFS Stock Price Targets & Analyst Predictions
Based on our analysis of 2 Wall Street analysts, CZFS has a bullish consensus with a median price target of $65.00 (ranging from $65.00 to $65.00). The overall analyst rating is Strong Buy (10.0/10). Currently trading at $64.40, the median forecast implies a 0.9% upside. This outlook is supported by 1 Buy, 0 Hold, and 0 Sell ratings.
Please note that analyst price targets are forward-looking estimates subject to substantial market, economic, and company-specific risks. Past performance does not guarantee future results, and actual stock performance may materially differ from these projections. Investors should conduct their own due diligence and consider their investment objectives and risk tolerance before making investment decisions.
CZFS Analyst Ratings
1
Buy
0
Hold
0
Sell
CZFS Price Target Range
Low
$65.00
Average
$65.00
High
$65.00
Current: $64.40
Latest CZFS Stock Forecasts by Analyst
These are the latest 20 analyst ratings and price targets for CZFS.
| Date | Firm | Analyst | Rating | Change | Price Target |
|---|---|---|---|---|---|
| Apr 30, 2024 | Janney Montgomery Scott | Jake Civiello | Buy | Upgrade | $N/A |
| Jun 29, 2023 | Janney Montgomery Scott | Jake Civiello | Neutral | Downgrade | $80.00 |
| Jan 26, 2021 | Janney Montgomery Scott | Jake Civiello | Buy | Upgrade | $63.00 |
| Jan 26, 2021 | Janney Capital | Buy | Upgrade | $N/A |
Citizens Financial Services Inc. (CZFS) Competitors
The following stocks are similar to Citizens Financial based on their market capitalization and industry sector. These similar stocks potentially provide investors with alternative investment opportunities within the same market segment.
Citizens Financial Services Inc. (CZFS) Financial Data
Citizens Financial Services Inc. has a market capitalization of $309.53M with a P/E ratio of 9.1x. The company generates $107.40M in trailing twelve-month revenue with a 31.7% profit margin.
Revenue growth is +12.7% quarter-over-quarter, while maintaining an operating margin of +45.2% and return on equity of +10.9%.
Valuation Metrics
Market Cap
$309.53M
Enterprise Value
$551.07M
P/E Ratio
9.1x
PEG Ratio
0.3x
Price/Sales
2.9x
Growth & Margins
Revenue Growth (YoY)
+12.7%
Gross Margin
N/A
Operating Margin
+45.2%
Net Margin
+31.7%
EPS Growth
+32.8%
Financial Health
Cash/Price Ratio
+13.7%
Current Ratio
N/A
Debt/Equity
0.9x
ROE
+10.9%
ROA
+1.1%
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Citizens Financial Services Inc. (CZFS) Business Model
About Citizens Financial Services Inc.
What They Do
Provides a range of banking and financial services.
Business Model
Citizens Financial Services Inc. operates as a bank holding company, generating revenue through various financial products including loans, deposit accounts, and wealth management services. Its business model focuses on serving individual consumers, small businesses, and larger commercial clients, thus creating a diverse revenue stream from both interest and service fees.
Additional Information
The company primarily operates in regional markets, contributing to local economic growth by facilitating credit access and offering financial solutions. With a commitment to traditional and digital banking, it remains adaptable to market changes and continues to play a vital role in enhancing financial stability within its communities.
Company Information
Sector
Financial Services
Industry
Banks - Regional
Employees
379
CEO
Mr. Randall E. Black
Country
United States
IPO Year
1997
Website
www.firstcitizensbank.comCitizens Financial Services Inc. (CZFS) Latest News & Analysis
Latest News
Citizens Financial Services (CZFS) is on the Move, Here's Why the Trend Could be Sustainable
2 days ago
Quick Summary
Citizens Financial Services (CZFS) is identified as a stock with strong recent performance, making it a potential candidate for investors seeking upward trends.
Why It Matters
CZFS demonstrates strong recent performance, indicating potential for continued growth, which may attract investors seeking upward-trending stocks.
Source: Zacks Investment Research
Market Sentiment:
Positive
Citizens Financial Services Remains Compelling Even In Light Of Share Price Underperformance
30 days ago
Quick Summary
Citizens Financial Services (CZFS) shows strong balance sheet and income growth, with a P/E of 7.2 and a net profit increase to $10M in Q3, up from $7.5M last year, despite recent underperformance.
Why It Matters
Citizens Financial Services' strong balance sheet, rising net interest margin, and attractive valuation suggest potential for recovery and growth, appealing to value-focused investors.
Source: Seeking Alpha
Market Sentiment:
Positive
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2025 FINANCIAL RESULTS
2 months ago
Quick Summary
Citizens Financial Services, Inc. (Nasdaq: CZFS) announced its unaudited consolidated financial results for Q3 and the first nine months of 2025.
Why It Matters
The release of unaudited financial results can impact stock prices and investor confidence, providing insights into the bank's performance and future growth potential.
Source: PRNewsWire
Market Sentiment:
Neutral
Quick Summary
Citizens Financial Services (CZFS) reported quarterly earnings of $2.09 per share, surpassing the Zacks estimate of $1.76, and up from $1.59 per share a year earlier.
Why It Matters
CZFS's earnings beat expectations and show significant year-over-year growth, indicating strong financial health and potential for future profitability, which can positively influence stock performance.
Source: Zacks Investment Research
Market Sentiment:
Positive
Quick Summary
Citizens Financial Services (CZFS) is being evaluated as a potential strong dividend stock for investors, highlighting the challenge of identifying quality dividend-paying companies.
Why It Matters
Citizens Financial Services' potential for strong dividends could attract investors seeking income, impacting stock demand and valuation.
Source: Zacks Investment Research
Market Sentiment:
Positive
Best Income Stocks to Buy for September 24th
3 months ago
Quick Summary
CIB, CZFS, and VIRT were added to the Zacks Rank #1 (Strong Buy) income stocks list on September 24, 2025.
Why It Matters
CIB, CZFS, and VIRT receiving a Zacks Rank #1 indicates strong growth potential and favorable market conditions, suggesting a positive outlook for returns and income generation.
Source: Zacks Investment Research
Market Sentiment:
Positive
Frequently Asked Questions About CZFS Stock
What is Citizens Financial Services Inc.'s (CZFS) stock forecast for 2026?
Based on our analysis of 2 Wall Street analysts, Citizens Financial Services Inc. (CZFS) has a median price target of $65.00. The highest price target is $65.00 and the lowest is $65.00.
Is CZFS stock a good investment in 2026?
According to current analyst ratings, CZFS has 1 Buy ratings, 0 Hold ratings, and 0 Sell ratings. The stock is currently trading at $64.40. Always conduct your own research and consider your investment goals before making investment decisions.
What is the long-term price prediction for CZFS stock?
Wall Street analysts predict CZFS stock could reach $65.00 in the next 12 months. This represents a 0.9% increase from the current price of $64.40. Please note that this is a projection by Wall Street analysts and not a guarantee.
What is Citizens Financial Services Inc.'s business model?
Citizens Financial Services Inc. operates as a bank holding company, generating revenue through various financial products including loans, deposit accounts, and wealth management services. Its business model focuses on serving individual consumers, small businesses, and larger commercial clients, thus creating a diverse revenue stream from both interest and service fees.
What is the highest forecasted price for CZFS Citizens Financial Services Inc.?
The highest price target for CZFS is $65.00 from at , which represents a 0.9% increase from the current price of $64.40.
What is the lowest forecasted price for CZFS Citizens Financial Services Inc.?
The lowest price target for CZFS is $65.00 from at , which represents a 0.9% increase from the current price of $64.40.
What is the overall CZFS consensus from analysts for Citizens Financial Services Inc.?
The overall analyst consensus for CZFS is bullish. Out of 2 Wall Street analysts, 1 rate it as Buy, 0 as Hold, and 0 as Sell, with a median price target of $65.00.
How accurate are CZFS stock price projections?
Stock price projections, including those for Citizens Financial Services Inc., are based on various factors including financial models, market conditions, and analyst forecasts. While these predictions provide valuable insights, they should be considered alongside your own research and risk tolerance.
Important Disclaimer
The information provided by Ticker Nerd is for educational and informational purposes only. It should not be considered financial or investment advice. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions. Analyst ratings and price forecasts are sourced from Wall St analysts and other experts. These projections are speculative and do not guarantee future stock performance.
Last updated: January 19, 2026 4:25 AM UTC