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CZFSCZFSFinancial Services · Banks - Regional

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

Last close, 21 Aug 2026
$82
+2.51% on the day

The 1 Wall Street analysts covering Citizens Financial Services, Inc. hold a median 12-month price target of $89 — +7.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 79 of 100 as at 22 Aug 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$393.0M
Ticker Nerd rank
79 / 100
Median analyst target
$89
Analysts covering
1
Total return, dividends reinvested
1W
−0.1%
1M
+11.0%
YTD
+46.9%
1Y
+49.0%
From 52W high
−1.5%
From 52W low
+58.9%
$52
$84
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 22 Aug 2026
79 / 100

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

Quality
81
Value
80
Revisions
77
Momentum
76
Growth
76
Size
57
Issuance
45
Accruals
23
Volatility
23

Quality (81): The business earns solid, repeatable profits on what it owns.

Volatility (23): The share price moves around a lot.

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$90Oct 25Jan 26Apr 26Jul 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.

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

The green dot is the last close — the median target sits +7.9% 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.

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
+11.7%
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
9.6×

Cheaper than 60% of US stocks

Price / sales
3.4×

Cheaper than 38% of US stocks

Price / book
1.1×

Cheaper than 71% 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 53% of US stocks

Dividend yield
2.5%

Higher than 56% of US dividend payers

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

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.$393.0M
79
FCBMFirst Carolina Financial Services, Inc.$394.0M
2
PCBPCB Bancorp$389.9M
93
FNLCThe First Bancorp, Inc. (Maine)$389.8M
70
CHMGChemung Financial Corp.$396.4M
92
MVBFMVB Financial Corp.$388.3M
82
WSBFWaterstone Financial, Inc.$387.2M
90

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

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.

Best Momentum Stocks to Buy for August 14th

Zacks Investment Research · 14 Aug 2026positive

Citizens Financial Services, Inc. (CZFS) was included on Zacks Investment Research's list of top momentum stocks to buy, receiving a Zacks Rank #1 (Strong Buy) designation on August 14, 2026.

Why it matters — A Strong Buy rating from a major research firm signals that CZFS is considered a leading momentum stock, which may increase visibility among momentum-focused investors.

New Strong Buy Stocks for August 14th

Zacks Investment Research · 14 Aug 2026positive

CZFS was added to the Zacks Rank #1 (Strong Buy) List on August 14, 2026, along with WDC, CECO, CHMG, and AMP. The inclusion was announced in a Zacks Investment Research item.

Why it matters — A Zacks Rank #1 (Strong Buy) designation may signal a favorable analyst assessment that CZFS watchers could find relevant.

Best Income Stocks to Buy for August 14th

Zacks Investment Research · 14 Aug 2026positive

On August 14, 2026, Citizens Financial Services, Inc. (CZFS) was included on Zacks Investment Research's list of Rank #1 (Strong Buy) income stocks.

Why it matters — A CZFS watcher would care because inclusion on Zacks' top-ranked income stocks list highlights the stock's strong income-focused standing in August 2026.

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. 79 out of 100 across roughly 4,600 US stocks as at 22 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CZFS?

As at 22 Aug 2026, Citizens Financial Services, Inc. ranks 79 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 Quality (81 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 +7.9% from the last close, and Ticker Nerd's factor model ranks Citizens Financial Services, Inc. 79 out of 100 as at 22 Aug 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 +49.0% over the 12 months to 21 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Citizens Financial Services, Inc. do?

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.

What is the latest news on CZFS?

The most recent item we track (Zacks Investment Research, 14 Aug 2026): "All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy". 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.

Company

About Citizens Financial Services, Inc.

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