CZFSFinancial Services · Banks - RegionalThe 1 Wall Street analysts covering Citizens Financial Services, Inc. hold a median 12-month price target of $89 — +1.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 81 of 100 as at 4 Nov 2026 — inside the top quartile. Here, the model and the Street point the same way.
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
Momentum (96): The shares have been drifting up relative to others.
Accruals (19): 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 systematic trader with 15+ years in markets.
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.
Data provided by Twelve Data
The green dot is the last close — the median target sits +1.9% 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.
CZFS appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, Citizens Financial Services, Inc. returned +62.9% against +14.8% for the S&P 500, dividends included.
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Data provided by Twelve Data
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 59% of US stocks
Cheaper than 34% of US stocks
Cheaper than 64% of US stocks
Higher than 55% of US stocks
Higher than 59% of US stocks
Higher than 96% of US stocks
Higher than 93% of US stocks
Higher than 69% of US stocks
Higher than 53% of US stocks
Higher than 82% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $420.0M and an enterprise value of $899.3M.
Revenue in the twelve months to 30 June 2026: $118.1M. The latest quarter grew 10.8% 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.
Trailing P/E: 9.8×; forward P/E: 9.9× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 2.34%, paying out 24% of earnings.
Citizens Financial Services, Inc. employs 391 people — $302K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| CZFSCitizens Financial Services, Inc. | $420.0M | 81 |
| NECBNortheast Community Bancorp, Inc. | $419.0M | 77 |
| FNLCThe First Bancorp, Inc. (Maine) | $416.8M | 64 |
| CHMGChemung Financial Corp. | $416.5M | 91 |
| FCBMFirst Carolina Financial Services, Inc. | $408.3M | 5 |
| FDBCFidelity D&D Bancorp, Inc. | $406.8M | 36 |
| PCBPCB Bancorp | $434.7M | 94 |
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 →
Citizens Financial Services reported quarterly earnings of $2.48 per share, above the Zacks Consensus Estimate of $2.20. Earnings were $2.09 per share in the year-ago quarter.
Why it matters — The report gives CZFS watchers an update on quarterly earnings relative to analyst expectations and the prior-year period.
Citizens Financial Services, Inc. announced unaudited consolidated financial results for the three and nine months ended September 30, 2026.
Why it matters — The release provides CZFS watchers with the company’s quarterly and year-to-date financial results.
Zacks Investment Research published an item asking whether Citizens Financial Services (CZFS) has the qualities of a great dividend stock. The excerpt provides no further assessment or dividend details.
Why it matters — CZFS watchers may be interested in the article’s focus on the company as a potential dividend stock, though the excerpt does not state its conclusion.
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.
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.
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.
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. 81 out of 100 across roughly 4,600 US stocks as at 4 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 4 Nov 2026, Citizens Financial Services, Inc. ranks 81 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 (96 of 100).
No one can know that. What the data says: the median 12-month target from 1 analysts implies +1.9% from the last close, and Ticker Nerd's factor model ranks Citizens Financial Services, Inc. 81 out of 100 as at 4 Nov 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: $89 to $89 over the next 12 months.
Citizens Financial Services, Inc. returned +62.9% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
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.
The most recent item we track (Zacks Investment Research, 30 Oct 2026): "Citizens Financial Services (CZFS) Q3 Earnings and Revenues Beat Estimates". Citizens Financial Services reported quarterly earnings of $2.48 per share, above the Zacks Consensus Estimate of $2.20. Earnings were $2.09 per share in the year-ago quarter.
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 · 391 employees · United States · https://www.firstcitizensbank.com
