Citizens Financial Services (NASDAQ:CZFS) Shares Up 2.3% – Time to Buy?

02 Jul 2026, 04:40 by Sarita Garza · The Markets Daily

Citizens Financial Services Inc. (NASDAQ:CZFS – Get Free Report)’s stock price was up 2.3% during trading on Wednesday . The company traded as high as $74.70 and last traded at $74.13. Approximately 10,155 shares changed hands during mid-day trading, a decline of 18% from the average session volume of 12,393 shares. The stock had previously closed at $72.44.

Analyst Upgrades and Downgrades

Separately, Weiss Ratings lowered Citizens Financial Services from a “buy (b-)” rating to a “hold (c)” rating in a report on Monday, May 4th. One equities research analyst has rated the stock with a Strong Buy rating and two have assigned a Hold rating to the stock. According to data from MarketBeat.com, the stock presently has a consensus rating of “Moderate Buy”.

Get Our Latest Analysis on Citizens Financial Services

Citizens Financial Services Trading Up 2.3%

The company has a debt-to-equity ratio of 0.58, a quick ratio of 0.95 and a current ratio of 0.95. The firm has a market cap of $355.82 million, a P/E ratio of 9.05 and a beta of 0.36. The firm has a 50 day simple moving average of $66.30 and a 200 day simple moving average of $63.55.

Citizens Financial Services (NASDAQ:CZFS – Get Free Report) last announced its quarterly earnings results on Wednesday, April 29th. The company reported $2.16 earnings per share for the quarter, beating the consensus estimate of $1.98 by $0.18. Citizens Financial Services had a return on equity of 11.89% and a net margin of 22.47%.The firm had revenue of $29.80 million for the quarter, compared to analysts’ expectations of $29.10 million. On average, equities research analysts predict that Citizens Financial Services Inc. will post 8.23 EPS for the current fiscal year.

Citizens Financial Services Increases Dividend

The company also recently announced a quarterly dividend, which was paid on Friday, June 26th. Investors of record on Friday, June 12th were issued a dividend of $0.51 per share. This is a boost from Citizens Financial Services’s previous quarterly dividend of $0.50. The ex-dividend date of this dividend was Friday, June 12th. This represents a $2.04 dividend on an annualized basis and a yield of 2.8%. Citizens Financial Services’s payout ratio is currently 24.91%.

Institutional Trading of Citizens Financial Services

Institutional investors and hedge funds have recently bought and sold shares of the company. Royal Bank of Canada raised its position in Citizens Financial Services by 93.5% during the fourth quarter. Royal Bank of Canada now owns 447 shares of the company’s stock valued at $25,000 after purchasing an additional 216 shares in the last quarter. BNP Paribas Financial Markets raised its holdings in shares of Citizens Financial Services by 39.4% during the 2nd quarter. BNP Paribas Financial Markets now owns 658 shares of the company’s stock valued at $39,000 after buying an additional 186 shares in the last quarter. NBT Bank N A NY grew its position in Citizens Financial Services by 2,022.8% during the first quarter. NBT Bank N A NY now owns 1,210 shares of the company’s stock valued at $74,000 after acquiring an additional 1,153 shares during the last quarter. Tower Research Capital LLC TRC grew its position in Citizens Financial Services by 537.3% during the second quarter. Tower Research Capital LLC TRC now owns 1,332 shares of the company’s stock valued at $78,000 after acquiring an additional 1,123 shares during the last quarter. Finally, Russell Investments Group Ltd. raised its position in Citizens Financial Services by 3,225.0% in the 3rd quarter. Russell Investments Group Ltd. now owns 1,463 shares of the company’s stock worth $88,000 after purchasing an additional 1,419 shares during the period. 22.49% of the stock is currently owned by hedge funds and other institutional investors.

About Citizens Financial Services

(Get Free Report)

Citizens Financial Services, Inc (NASDAQ:CZFS) is a bank holding company headquartered in Elderton, Pennsylvania, providing a range of retail and commercial banking services through its primary subsidiary, Citizens Savings Bank. The company offers deposit products such as checking and savings accounts, money market accounts and certificates of deposit, supported by online and mobile banking platforms tailored to personal and business clients.