CZFSFinancial Services · Banks - RegionalThe 1 Wall Street analysts covering Citizens Financial Services, Inc. hold a median 12-month price target of $71 — -7.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 84 of 100 as at 1 Aug 2026 — inside the top quartile. The factors read stronger than the Street's target implies. That gap is the story on this page.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Issuance (90): The share count has been shrinking and the company is not leaning on new borrowing.
Volatility (20): The share price moves around a lot.
The rank is the raw material. Whether the rules would actually own Citizens Financial Services, Inc. — and when they’d sell — is the membership.
The bullish and bearish analyst opinions on CZFS, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
The green dot is the last close — the median target sits −7.2% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 30 Apr 2024 | Janney Montgomery Scott | Upgrade | Buy | — |
| 30 Apr 2024 | Janney Montgomery Scott | Upgrade | Buy | — |
| 29 June 2023 | Janney Montgomery Scott | Downgrade | Neutral | — |
| 26 Jan 2021 | Janney Capital | Upgrade | Buy | — |
| 26 Jan 2021 | Janney Montgomery Scott | Upgrade | Buy | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 61% of US stocks
Cheaper than 39% of US stocks
Cheaper than 70% of US stocks
Higher than 55% of US stocks
Higher than 62% of US stocks
Higher than 95% of US stocks
Higher than 92% of US stocks
Higher than 70% of US stocks
Higher than 54% of US stocks
Higher than 58% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| CZFSCitizens Financial Services, Inc. | $372.5M | 84 |
| NWFLNorwood Financial Corp. | $371.7M | 83 |
| NECBNortheast Community Bancorp, Inc. | $374.5M | 67 |
| WSBFWaterstone Financial, Inc. | $376.7M | 92 |
| FCBMFirst Carolina Financial Services, Inc. | $388.7M | 3 |
| MVBFMVB Financial Corp. | $390.2M | 88 |
| CHMGChemung Financial Corp. | $390.7M | 95 |
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.
Citizens Financial Services (CZFS) reported second-quarter earnings of $2.12 per share, exceeding both the Zacks Consensus Estimate of $1.98 per share and the $1.76 per share earned in the same quarter last year.
Why it matters — The earnings beat shows CZFS's quarterly profitability outperformed analyst expectations and improved year-over-year.
Citizens Financial Services, Inc. released its unaudited consolidated financial results for the three and six months ended June 30, 2026.
Why it matters — The announcement provides a periodic update on the company's financial performance, which shareholders and analysts use to assess the health of the bank and its parent company.
Zacks Investment Research published an article discussing whether Citizens Financial Services (CZFS) could be a strong choice for dividend-focused investors.
Why it matters — The piece highlights CZFS as a potential dividend stock, which is a key consideration for income-focused shareholders following the company.
The 1 Wall Street analysts covering Citizens Financial Services, Inc. have a median 12-month price target of $71, with estimates ranging from $71 to $71. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
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. 84 out of 100 across roughly 4,600 US stocks as at 1 Aug 2026. None of this is personal advice — it does not consider your circumstances.
As at 1 Aug 2026, Citizens Financial Services, Inc. ranks 84 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 Issuance (90 of 100).
No one can know that. What the data says: the median 12-month target from 1 analysts implies -7.2% from the last close, and Ticker Nerd's factor model ranks Citizens Financial Services, Inc. 84 out of 100 as at 1 Aug 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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: $71 to $71 over the next 12 months.
Citizens Financial Services, Inc. returned +50.3% over the 12 months to 3 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.
Citizens Financial Services Inc. is a publicly traded bank holding company that primarily provides a full range of banking and financial services to individual consumers, small businesses, and larger commercial entities.
The most recent item we track (Zacks Investment Research, 30 July 2026): "Citizens Financial Services (CZFS) Tops Q2 Earnings Estimates". Citizens Financial Services (CZFS) reported second-quarter earnings of $2.12 per share, exceeding both the Zacks Consensus Estimate of $1.98 per share and the $1.76 per share earned in the same quarter last year.
Citizens Financial Services Inc. is a publicly traded bank holding company that primarily provides a full range of banking and financial services to individual consumers, small businesses, and larger commercial entities. As a financial institution, its core function is to offer products such as commercial loans, mortgages, consumer loans, and deposit accounts. Additionally, Citizens Financial Services delivers wealth management and investment advisory services, making it a versatile participant in the financial market. Operating mainly within regional markets, the company plays a critical role in supporting local economies by facilitating access to credit and financial services. Its impact extends into industries like real estate, retail, and small business sectors, where financing and transactional support are essential for growth and sustainability. Citizens Financial Services Inc. is of significant interest within its sector, contributing to the dynamics of regional financial stability and servicing communities with traditional and digital banking solutions. With a history rooted in dependable financial provision, it continues to adapt to evolving market needs, demonstrating resilience and relevance in the ever-changing landscape of the banking industry.
CEO Mr. Randall E. Black · 388 employees · United States · https://www.firstcitizensbank.com