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CZFSCZFSFinancial Services · Banks - Regional

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

Last close, 18 Sept 2026
$81
−0.36% on the day

The 1 Wall Street analysts covering Citizens Financial Services, Inc. hold a median 12-month price target of $89 — +9.4% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 81 of 100 as at 19 Sept 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$391.3M
Ticker Nerd rank
81 / 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
−1.0%
1M
−2.2%
YTD
+45.9%
1Y
+29.2%
From 52W high
−2.2%
From 52W low
+57.8%
$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 19 Sept 2026
81 / 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
87
Quality
81
Value
79
Revisions
76
Growth
75
Size
56
Issuance
45
Volatility
25
Accruals
24

Momentum (87): 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$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.

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 +9.4% 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 18 Sept 2026, Citizens Financial Services, Inc. returned +29.2% against +16.3% for the S&P 500, dividends included.

CZFS vs S&P 500, last 12 monthsTotal return, rebased to 100
8090100110120130Oct 25Jan 26Apr 26Jul 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
+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
9.5×

Cheaper than 59% of US stocks

Price / sales
3.4×

Cheaper than 36% of US stocks

Price / book
1.1×

Cheaper than 69% 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 53% 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 $391.3M and an enterprise value of $739.1M.

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

  • Forward dividend yield: 2.51%, 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 19 Sept 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.$391.3M
81
PCBPCB Bancorp$388.2M
91
FCBMFirst Carolina Financial Services, Inc.$394.3M
2
FNLCThe First Bancorp, Inc. (Maine)$394.7M
70
FRSTPrimis Financial Corp.$395.8M
76
MVBFMVB Financial Corp.$396.7M
90
PKBKParke Bancorp, Inc.$397.3M
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

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.

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.

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. 81 out of 100 across roughly 4,600 US stocks as at 19 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CZFS?

As at 19 Sept 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 (87 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 +9.4% from the last close, and Ticker Nerd's factor model ranks Citizens Financial Services, Inc. 81 out of 100 as at 19 Sept 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 +29.2% over the 12 months to 18 Sept 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 headquartered in Mansfield, Pennsylvania.

What is the latest news on CZFS?

The most recent item we track (Zacks Investment Research, 31 Aug 2026): "Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now". 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.

Company

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc. is a bank holding company headquartered in Mansfield, Pennsylvania. Through its primary banking subsidiary, First Citizens Community Bank, the company provides a broad range of financial services for individuals, businesses, governmental entities, and institutional clients. Its offerings include deposit products such as checking, savings, money market, and time deposit accounts, along with lending solutions covering residential, commercial, agricultural, and consumer needs. The company also supports customers with trust administration, investment management, estate planning, custody services, brokerage, financial planning, insurance products, and specialized services linked to oil and gas leasing matters. Citizens Financial Services, Inc. plays a regional role in community banking by combining traditional deposit and loan services with wealth management and related financial solutions across its core markets.

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