CZFS Stock Analysis: Citizens Financial Common | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 414m USD | 12M Return: 53.5% | US1746151042 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.22M
EPS Trend: 88.1%
Qual. Beats: 5
Rev. Trend: 84.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Citizens Financial Services, Inc. is a Pennsylvania-based bank holding company serving individual, business, government, and institutional customers. Its banking business includes deposit accounts and residential, commercial, agricultural, consumer, and other loans-a common regional-bank model that gathers deposits and lends to customers in its communities.
The company also provides trust administration, investment management, estate services, brokerage, financial planning, and insurance products. Founded in 1984, it is headquartered in Mansfield, Pennsylvania.
- Net interest margin depends on loan yields and deposit-cost repricing
- Commercial real estate and agricultural exposures heighten credit-loss sensitivity
- HV Bancorp integration offers scale but adds expense and execution risk
| Net Income: 43.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.17 > 1.0 |
| NWC/Revenue: -1.05k% < 20% (prev -1.33k%; Δ 287.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 39.9m > Net Income 43.0m |
| Net Debt (7.56m) to EBITDA (54.7m): 0.14 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.80m) vs 12m ago 0.09% < -2% |
| Gross Margin: 66.22% > 18% (prev 62.22%; Δ 4.01% > 0.5%) |
| Asset Turnover: 5.54% > 50% (prev 5.63%; Δ -0.09% > 0%) |
| Interest Coverage Ratio: 0.89 > 6 (EBIT TTM 52.7m / Interest Expense TTM 59.1m) |
| A: -0.55 (Total Current Assets 518.1m - Total Current Liabilities 2.40b) / Total Assets 3.41b |
| B: 0.07 (Retained Earnings 238.8m / Total Assets 3.41b) |
| C: 0.02 (EBIT TTM 52.7m / Avg Total Assets 3.23b) |
| D: 0.11 (Book Value of Equity 351.3m / Total Liabilities 3.06b) |
| Altman-Z'' = -3.15 = D |
| DSRI: 1.11 (Receivables 13.2m/11.4m, Revenue 179.3m/172.1m) |
| GMI: 0.94 (GM 62.22% / 66.22%) |
| AQI: 0.88 (AQ_t 0.84 / AQ_t-1 0.95) |
| SGI: 1.04 (Revenue 179.3m / 172.1m) |
| TATA: 0.00 (NI 43.0m - CFO 39.9m) / TA 3.41b) |
| Beneish M = -3.03 (Cap -4..+1) = AA |
As of November 12, 2026, the stock is trading at USD 85.82 with a total of 16,857 shares traded. Over the past week, the price has changed by -1.70%, over one month by +8.77%, over three months by +4.93% and over the past year by +53.50%.
Current recommended Stop Loss: 81.70 (which is 4.8% or 1.7 ATR below the current price).
Citizens Financial Common has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy CZFS.
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 89 | 3.7% |
P/E Trailing = 9.6134
P/E Forward = 9.2851
P/S = 3.4728
P/B = 1.1906
Revenue TTM = 179.3m USD
EBIT TTM = 52.7m USD
EBITDA TTM = 54.7m USD
Long Term Debt = 512.5m USD (from longTermDebt, last quarter)
Short Term Debt = 15.5m USD (from shortTermDebt, last fiscal year)
Debt = 512.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 7.56m USD (calculated: Debt 512.5m - CCE 504.9m)
Enterprise Value = 421.5m USD (413.9m + Debt 512.5m - CCE 504.9m)
Interest Coverage Ratio = 0.89 (Ebit TTM 52.7m / Interest Expense TTM 59.1m)
EV/FCF = 10.75x (Enterprise Value 421.5m / FCF TTM 39.2m)
FCF Yield = 9.30% (FCF TTM 39.2m / Enterprise Value 421.5m)
FCF Margin = 21.86% (FCF TTM 39.2m / Revenue TTM 179.3m)
Net Margin = 23.96% (Net Income TTM 43.0m / Revenue TTM 179.3m)
Gross Margin = 66.22% ((Revenue TTM 179.3m - Cost of Revenue TTM 60.6m) / Revenue TTM)
Gross Margin QoQ = 65.84% (prev 67.12%)
Tobins Q-Ratio = 0.12 (Enterprise Value 421.5m / Total Assets 3.41b)
Interest Expense / Debt = 11.53% (Interest Expense 59.1m / Debt 512.5m)
Taxrate = 18.42% (9.70m / 52.7m)
NOPAT = 43.0m (EBIT 52.7m * (1 - 18.42%))
Current Ratio = 0.22 (Total Current Assets 518.1m / Total Current Liabilities 2.40b)
Debt / Equity = 1.46 (Debt 512.5m / totalStockholderEquity, last quarter 351.3m)
Debt / EBITDA = 0.14 (Net Debt 7.56m / EBITDA 54.7m)
Debt / FCF = 0.19 (Net Debt 7.56m / FCF TTM 39.2m)
Total Stockholder Equity = 346.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.33% (Net Income 43.0m / Total Assets 3.41b)
RoE = 12.40% (Net Income TTM 43.0m / Total Stockholder Equity 346.4m)
RoCE = 6.13% (EBIT 52.7m / Capital Employed (Equity 346.4m + L.T.Debt 512.5m))
RoIC = 4.20% (NOPAT 43.0m / Invested Capital 1.02b)
WACC = 8.26% (E(413.9m)/V(926.4m) * Re(6.85%) + D(512.5m)/V(926.4m) * Rd(11.53%) * (1-Tc(0.18)))
Discount Rate = 6.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -47.68 | Cagr: -0.43%
[DCF] Terminal Value 77.97% ; FCFF base≈35.5m ; Y1≈40.6m ; Y5≈59.8m
[DCF] Fair Price = 185.5 (EV 900.0m - Net Debt 7.56m = Equity 892.5m / Shares 4.81m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 88.14 | EPS CAGR: 16.04% | SUE: 3.85 | # QB: 5
Revenue Correlation: 84.08 | Revenue CAGR: 6.82% | SUE: 0.77 | # QB: 0
EPS current Quarter (2027-03-31): EPS=2.19 | Chg30d=+0.00% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=8.72 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+14.4% | GrowthRev=+0.0%
EPS next Year (2027-12-31): EPS=8.81 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+1.0% | GrowthRev=+0.0%