Citizens Financial Services (CZFS) Stock Price

Citizens Financial Services Price

NASDAQ·CLOSED
82.54USD+0.83 (+1.01 %)
Market closed

Over the last 19 years Citizens Financial Services grew revenue by 8.8% annually, reaching 112.08 M USD. Earnings per share have grown at 8.4% per year over the last 19 years. For Citizens Financial Services, the net margin of 32.6% is down versus 37.1% a few years ago. At today's price the dividend yield works out to roughly 2.41%. The payout ratio is around 26% of earnings. The dividend has grown at 4.5% per year over the past 19 years. The consensus 12-month price target for Citizens Financial Services is 65.64 USD, about 20.5% below where the stock trades today. Of 7 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 55% above its 52-week low.

Citizens Financial Services stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Citizens Financial Services over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Citizens Financial Services stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Citizens Financial Services's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Citizens Financial Services Stock Price History
DateCitizens Financial Services Price
8/14/202682.54 USD
8/13/202681.71 USD
8/12/202682.95 USD
8/11/202682.29 USD
8/10/202681.09 USD
8/7/202680.40 USD
8/6/202682.27 USD
8/5/202681.46 USD
8/4/202681.65 USD
8/3/202676.53 USD
7/31/202677.52 USD
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7/23/202671.50 USD
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7/21/202674.29 USD
7/20/202671.58 USD
7/17/202673.62 USD
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7/15/202673.21 USD
7/14/202671.32 USD
7/13/202671.30 USD
7/10/202670.38 USD
7/9/202671.45 USD
7/8/202670.12 USD
7/7/202672.82 USD
7/6/202671.83 USD
7/2/202672.21 USD
7/1/202674.13 USD
6/30/202672.44 USD
6/29/202671.52 USD
6/26/202673.82 USD
6/25/202670.99 USD
6/24/202671.00 USD
6/23/202669.51 USD
6/22/202667.44 USD
6/18/202666.00 USD
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10/13/202554.35 USD
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10/6/202557.84 USD
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10/1/202560.40 USD
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9/25/202561.49 USD
9/24/202561.33 USD
9/23/202562.70 USD
9/22/202562.68 USD
9/19/202563.27 USD
9/18/202564.95 USD
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9/15/202562.90 USD
9/12/202564.65 USD
9/11/202564.03 USD
9/10/202562.26 USD
9/9/202561.19 USD
9/8/202562.67 USD
9/5/202561.41 USD
9/4/202561.81 USD
9/3/202560.05 USD
9/2/202559.84 USD
8/29/202559.96 USD
8/28/202560.49 USD
8/27/202562.13 USD
8/26/202561.95 USD
8/25/202561.18 USD
8/22/202560.57 USD
8/21/202557.20 USD
8/20/202557.02 USD
8/19/202555.68 USD
8/18/202556.30 USD
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Citizens Financial Services Revenue, Pre-Provision Profit, Net Income

  • 3 Years

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
73.61 M USD
32.76 M USD
25.10 M USD
Jan 1, 2021
78.42 M USD
36.87 M USD
29.12 M USD
Jan 1, 2022
81.87 M USD
37.18 M USD
29.06 M USD
Jan 1, 2023
91.87 M USD
27.04 M USD
17.81 M USD
Jan 1, 2024
100.75 M USD
35.17 M USD
27.82 M USD
Jan 1, 2025
112.08 M USD
47.20 M USD
36.57 M USD
Jan 1, 2026 (e)
0.00 USD
0.00 USD
41.86 M USD
Jan 1, 2027 (e)
0.00 USD
0.00 USD
42.29 M USD

Citizens Financial Services Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 18, 2026, 11:54 AM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
46.0043.0042.0043.0050.0056.0064.0070.0081.0085.0093.00138.00168.00173.00––
2.22-6.52-2.332.3816.2812.0014.299.3815.714.949.4148.3921.742.98––
80.4383.7288.1086.0588.0085.7181.2580.0087.6589.4186.0262.3258.3363.01––
37.0036.0037.0037.0044.0048.0052.0056.0071.0076.0080.0086.0098.00109.00109.00109.00
30.4329.9230.3430.8337.6841.9846.7449.4461.7965.7371.5178.8584.9196.30––
7.847.277.367.428.188.938.188.8811.8212.6810.3613.0115.8515.78––
0.420.410.590.481.522.541.931.682.401.551.685.532.592.38––
18.9717.5317.5314.8217.1921.6023.3624.9932.7636.8737.1827.0435.1747.20––
14.0013.0013.0011.0012.0013.0018.0019.0025.0029.0029.0017.0027.0036.0041.0042.00
16.67-7.14–-15.389.098.3338.465.5631.5816.00–-41.3858.8233.3313.892.44
––––––––––1.911.951.961.992.022.06
–––––––––––2.090.511.531.511.98
3.503.463.453.493.753.733.713.704.074.064.054.794.754.804.804.80
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Citizens Financial Services generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Citizens Financial Services retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Citizens Financial Services's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Citizens Financial Services has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Citizens Financial Services's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Citizens Financial Services stock margins

The Citizens Financial Services margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Citizens Financial Services. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Citizens Financial Services.

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
55.49 %
34.10 %
Jan 1, 2021
52.99 %
37.13 %
Jan 1, 2022
54.59 %
35.49 %
Jan 1, 2023
70.56 %
19.39 %
Jan 1, 2024
65.10 %
27.61 %
Jan 1, 2025
57.89 %
32.63 %
Jan 1, 2026 (e)
0.00 %
- %
Jan 1, 2027 (e)
0.00 %
- %

Citizens Financial Services Revenue per Share, Earnings per Share

The Citizens Financial Services earnings per share therefore indicates how much revenue Citizens Financial Services has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

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  • 10 Years

  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
18.08 USD
6.17 USD
Jan 1, 2021
19.30 USD
7.17 USD
Jan 1, 2022
20.24 USD
7.18 USD
Jan 1, 2023
19.16 USD
3.71 USD
Jan 1, 2024
21.20 USD
5.85 USD
Jan 1, 2025
23.36 USD
7.62 USD
Jan 1, 2026 (e)
0.00 USD
8.72 USD
Jan 1, 2027 (e)
0.00 USD
8.81 USD

Citizens Financial Services business model & stock analysis

Citizens Financial Services Inc. is an American financial services company based in Providence, Rhode Island. The company was founded in 1828 and has since had a long history as one of the oldest and most trusted banks in the USA. Citizens Financial Services Inc. is divided into several business segments, including retail banking, commercial banking, wealth management, and capital markets. These various business segments offer a variety of products and services tailored to the needs of customers. In the retail banking segment, Citizens Financial Services Inc. offers a wide range of financial products and services, including savings accounts, checking accounts, credit cards, mortgages, and personal loans. The company is also a leading provider of online banking services and mobile banking apps. The commercial banking segment of Citizens Financial Services Inc. specializes in serving the needs of businesses and other institutions. Here, various financial services such as lines of credit, trade financing, cash management solutions, and foreign exchange transactions are offered. The company works closely with its customers to develop customized financial solutions that meet their individual needs and challenges. In the wealth management segment, Citizens Financial Services Inc. offers a variety of investment and asset management services. The company has excellent customer service and specializes in various topics, including wealth transfer, succession planning, tax and investment advice, and trust services. Finally, the capital markets segment of Citizens Financial Services Inc. is focused on institutional customers, including public and private companies, sovereign wealth funds, and insurance companies. Various financial products such as bonds, FX closing rates, treasury bills, and interest loans are offered here. The company always aims to provide world-class service solutions to its customers. Citizens Financial Services Inc. has a competent and dedicated staff whose goal is to provide customers with the best support and tailored solutions. The company is committed to satisfying a wide range of customer needs and helping them achieve their financial goals. Through the implementation of innovative and customer-oriented approaches and a wide range of financial services, Citizens Financial Services Inc. has earned a good place in the industry.

Citizens Financial Services SWOT Analysis

Strengths

Citizens Financial Services Inc has a strong market presence and brand reputation in the financial services industry.

The company has a diverse range of financial products and services, catering to both individual and corporate clients.

Citizens Financial Services Inc has a well-established customer base, allowing for strong customer loyalty and repeat business.

Weaknesses

One of the weaknesses of Citizens Financial Services Inc is its relatively lower market share compared to some of its competitors.

The company may have slower response times and less agility in decision-making due to its size and organizational structure.

Citizens Financial Services Inc may sometimes face difficulties in adapting to rapidly changing technology and industry trends.

Opportunities

The growing demand for digital banking and online financial services presents an opportunity for Citizens Financial Services Inc to expand its digital offerings.

Citizens Financial Services Inc can explore potential partnerships or acquisitions to enhance its market position and diversify its product portfolio.

The company can focus on developing personalized and customized financial solutions to meet the evolving needs of its customers.

Threats

Intense competition from other established financial institutions and emerging fintech companies poses a threat to Citizens Financial Services Inc's market share.

Economic uncertainties and fluctuations in interest rates may impact the profitability and performance of Citizens Financial Services Inc.

The continuously evolving regulatory environment in the financial services industry can pose compliance challenges for Citizens Financial Services Inc.

Citizens Financial Services Employees

  • 3 Years

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  • Max

Citizens Financial Services Employees
Details
Date
Citizens Financial Services Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Citizens Financial Services Segments

Citizens Financial Services Revenue by Segment (1/2)

  • 3 Years

  • 5 Years

  • Max

Transaction fees related to specific transactions or activities resulting from a customer request or activity that include overdraft fees, online banking fees, interchange fees, ATM fees and other transaction fees. All of these fees are attributable to specific performance obligations where the revenue is recognized at a defined point in time, completion of the requested service/transaction
Fees includes commissions from the sales of investments and insurance products recognized on a trade date basis as the performance obligation is satisfied at the point in time in which the trade is processed. Additional fees are based on a percentage of the market value of customer accounts and billed on a monthly/quarterly basis
Typical contracts for trust services are based on a fixed percentage of the assets earned ratably over a defined period and billed on a monthly. Fees charged to customers' accounts are recognized as revenue over the period during which the Company fulfills its performance obligation under the contract (i.e., holding client asset in a managed fiduciary trust account). For these accounts, the performance obligation of the Company is typically satisfied by holding and managing the customer's assets over time
Details
Date
Transaction fees related to specific transactions or activities resulting from a customer request or activity that include overdraft fees, online banking fees, interchange fees, ATM fees and other transaction fees. All of these fees are attributable to specific performance obligations where the revenue is recognized at a defined point in time, completion of the requested service/transaction
Fees includes commissions from the sales of investments and insurance products recognized on a trade date basis as the performance obligation is satisfied at the point in time in which the trade is processed. Additional fees are based on a percentage of the market value of customer accounts and billed on a monthly/quarterly basis
Typical contracts for trust services are based on a fixed percentage of the assets earned ratably over a defined period and billed on a monthly. Fees charged to customers' accounts are recognized as revenue over the period during which the Company fulfills its performance obligation under the contract (i.e., holding client asset in a managed fiduciary trust account). For these accounts, the performance obligation of the Company is typically satisfied by holding and managing the customer's assets over time
Jan 1, 2018
4.67 M USD
790,000.00 USD
705,000.00 USD
Jan 1, 2019
4.69 M USD
1.14 M USD
750,000.00 USD
Jan 1, 2020
4.22 M USD
1.30 M USD
803,000.00 USD

Citizens Financial Services Revenue by Segment (2/2)

  • 3 Years

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  • Max

Service Charges
Other
Details
Date
Service Charges
Other
Jan 1, 2018
4.67 M USD
350,000.00 USD
Jan 1, 2019
4.69 M USD
348,000.00 USD
Jan 1, 2020
4.22 M USD
339,000.00 USD

Citizens Financial Services Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Citizens Financial Services historical P/E ratio, EBIT multiple, and P/S ratio

Citizens Financial Services annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Citizens Financial Services shares outstanding

The number of shares of Citizens Financial Services was 4.8 M in 2025. This indicates how many shares Citizens Financial Services is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
4.07 M Stocks
Jan 1, 2021
4.06 M Stocks
Jan 1, 2022
4.05 M Stocks
Jan 1, 2023
4.79 M Stocks
Jan 1, 2024
4.75 M Stocks
Jan 1, 2025
4.80 M Stocks
Jan 1, 2026 (e)
4.80 M Stocks
Jan 1, 2027 (e)
4.80 M Stocks

Citizens Financial Services stock splits

In Citizens Financial Services's history, there have been no stock splits.

Citizens Financial Services Dividend History

27 years of dividend payments · 4 consecutive increases

YearAnnual DividendYoY ChangePayments
20261.01USDYTD—2×
Mar 13, 20260.50USD 0.0%1/2
Jun 12, 20260.51USD↑ 2.0%2/2
20251.99USD↑ 1.5%4×
Mar 14, 20250.50USD↑ 1.0%1/4
Jun 13, 20250.49USD↓ 1.0%2/4
Sep 12, 20250.50USD↑ 2.0%3/4
Dec 12, 20250.50USD 0.0%4/4
20241.96USD↑ 0.5%4×
20231.95USD↑ 2.1%4×
20221.91USD↑ 2.1%4×
20211.87USD↓ 3.3%4×
20201.93USD↑ 7.8%4×
20191.79USD↑ 2.3%4×
20181.75USD↑ 3.6%4×
20171.69USD↓ 19.2%4×

Citizens Financial Services dividend history and estimates

In 2025, Citizens Financial Services paid a dividend amounting to 1.99 USD. Dividend means that Citizens Financial Services distributes a portion of its profits to its owners.

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020 (e)
1.93 USD
0.00 USD
Jan 1, 2021 (e)
1.87 USD
0.00 USD
Jan 1, 2022
1.91 USD
0.00 USD
Jan 1, 2023
1.95 USD
0.00 USD
Jan 1, 2024
1.96 USD
0.00 USD
Jan 1, 2025
1.99 USD
0.00 USD
Jan 1, 2026 (e)
1.01 USD
1.01 USD
Jan 1, 2027 (e)
0.00 USD
2.06 USD

Citizens Financial Services dividend payout ratio

In 2025, Citizens Financial Services had a payout ratio of 26.04%. The payout ratio indicates the percentage of the company's profits that Citizens Financial Services distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
30.38 %
Jan 1, 2021
25.26 %
Jan 1, 2022
26.00 %
Jan 1, 2023
51.84 %
Jan 1, 2024
33.32 %
Jan 1, 2025
26.04 %
Jan 1, 2026 (e)
23.17 %
Jan 1, 2027 (e)
23.40 %

Current Citizens Financial Services forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
85.71 % (6)
Hold
14.29 % (1)
Sell
0.00 % (0)
12M Price Target
65.64
Last Price
82.54
Currency
USD
12M Return Potential
-20.47 %
LTM Return
0 %

Citizens Financial Services Analyst Rating Actions

DateFirmActionRating
4/30/2024
Janney Montgomery Scott
Janney Montgomery Scott
UpgradeNeutralBuy
6/29/2023
Janney Montgomery Scott
Janney Montgomery Scott
DowngradeBuyNeutral
1/26/2021
Janney Montgomery Scott
Janney Montgomery Scott
UpgradeNeutralBuy
1/26/2021
Janney Capital
Janney Capital
UpgradeNeutralBuy

Citizens Financial Services Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/30/20262.02USD-25.81 MUSD-2026 Q2
4/30/20262.02USD-26.21 MUSD-2026 Q1
1/30/20262.11USD-26.11 MUSD-2025 Q4
4/25/20241.57USD-22.54 MUSD-2024 Q1
1/29/20241.65USD-22.24 MUSD-2023 Q4
7/21/20221.77USD-17.66 MUSD-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the Citizens Financial Services stock

26/100
30
Environment
20
Social
29
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees—
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Citizens Financial Services shareholder structure

% Name
6.04679%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
5.09881%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
2.43914%
Citizens & Northern Corp
Citizens & Northern Corp
2.21533%
Geode Capital Management, L.L.C.
Geode Capital Management, L.L.C.
2.07254%
State Street Investment Management (US)
State Street Investment Management (US)
1.39587%
Graham (Roger C Jr)
Graham (Roger C Jr)
...

Citizens Financial Services Beneficial Ownership Filings (SEC 13D/G)

Free Float
93.5%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
8.70%
Page 4 of 10
Page 4 of 10
SEC ↗
8.50%
Page 2 of 10
Page 2 of 10
SEC ↗
6.05%
R. Lowell Coolidge
R. Lowell Coolidge
SEC ↗
6.00%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
5.30%
Jr.
Jr.
SEC ↗
4.80%
2.
2.
SEC ↗
0.20%
Page 3 of 10
Page 3 of 10
SEC ↗

Citizens Financial Services Executives and Management Board

16 members · avg. age 60 · 13 % women

RB

Mr. Randall Black (58)

Chief Executive Officer, President of the Company and the Bank, Vice Chairman of the Board · since 2004

853,606.00 USD

Management

DR

Mr. David Richards (64)

Senior Executive Vice President, Director - Emerging Markets and Director · since 2017

403,123.00 USD
JW

Mr. Jeffrey Wilson (63)

Senior Executive Vice President, Chief Credit Officer.

318,974.00 USD
SG

Mr. Stephen Guillaume (48)

Chief Financial Officer, Executive Vice President of the Company and Bank

182,638.00 USD
JW

Mr. Jeffrey White (40)

Chief Operating Officer, Executive Vice President

–
LG

Ms. Leeann Gephart (41)

Executive Vice President, Chief Banking Officer for the Bank

–

Board of Directors

MJ

Mr. Mickey Jones (64)

Director · since 2004

327,465.00 USD
RL

Mr. R. Joseph Landy (70)

Independent Chairman of the Board · since 2001

83,816.00 USD
RG

Mr. Roger Graham (69)

Independent Director

61,594.00 USD
RC

Mr. Robert Chappell (58)

Independent Director

61,194.00 USD
RD

Mr. Rinaldo DePaola (69)

Independent Director

61,194.00 USD
TF

Mr. Thomas Freeman (64)

Independent Director

60,019.00 USD

Frequently asked questions about Citizens Financial Services

The business model of Citizens Financial Services Inc revolves around providing a wide range of financial services to individuals, businesses, and organizations. As a full-service community bank, Citizens Financial Services Inc focuses on delivering personalized banking solutions and exceptional customer service. Their services encompass deposit accounts, loans and credit options, investment management, insurance, and more. By combining traditional banking practices with innovative technology, Citizens Financial Services Inc strives to meet the diverse financial needs of their clientele. With a steadfast commitment to the communities they serve, the company aims to foster financial growth and stability for individuals and businesses alike.

Citizens Financial Services Inc is primarily active in the banking and financial services industry.

The main competitors of Citizens Financial Services Inc in the market are Bank of America Corporation, JPMorgan Chase & Co., and Wells Fargo & Company.

Citizens Financial Services Inc. is a renowned financial institution with a rich history and a strong presence in the market. Established in [insert year], the company has grown into a leading provider of financial services, catering to a wide range of clients. With its headquarters located in [insert location], Citizens Financial Services Inc. offers a comprehensive suite of banking products and services, including personal and business banking, investment solutions, and lending options. Known for its commitment to delivering exceptional customer service and innovative financial solutions, Citizens Financial Services Inc. has firmly established itself as a trusted name in the industry.

Citizens Financial Services Inc has achieved several significant milestones throughout its history. Some notable accomplishments include consistent revenue growth, expansion into new markets, and strategic acquisitions. The company's strong financial performance has enabled it to become a leader in the financial services industry. Citizens Financial Services Inc has also built a reputation for providing exceptional customer service and innovative banking solutions. Additionally, the company is committed to supporting the communities it serves through various philanthropic initiatives. With its dedication to excellence and continuous growth, Citizens Financial Services Inc remains a trusted name in the financial sector.

Citizens Financial Services Inc is primarily present in the United States.

Citizens Financial Services Inc is committed to upholding strong values and corporate philosophy. The company prioritizes integrity, transparency, and putting its customers' needs first. Citizens Financial Services Inc aims to provide exceptional financial services through a customer-centric approach, tailored solutions, and industry expertise. By fostering a culture of trust and accountability, the company ensures financial well-being for its clients. With a focus on long-term relationships, Citizens Financial Services Inc emphasizes ethical conduct, professionalism, and community involvement. By aligning its actions with its core values, the company continues to thrive and deliver sustainable growth.

Analysts currently set an average price target of 65.64 USD for the Citizens Financial Services stock (median: 65.64 USD), implying -20.5 % versus the latest price. The consensus is based on 7 analyst ratings.

Citizens Financial Services Analyst Price Targets 2026

7 analysts currently rate the Citizens Financial Services stock: 6 recommend buying, 1 holding and 0 selling.

Citizens Financial Services Analyst Price Targets 2026

Converted at the current exchange rate, the Citizens Financial Services share trades at 71.24 EUR (82.54 USD).

The Citizens Financial Services share (CZFS) is listed on 2 stock exchanges, including: NASDAQ (CZFS).

Citizens Financial Services Inc is an American financial company that offers a variety of financial services and products. It was founded in 1828 and is headquartered in Providence, Rhode Island. The company operates in four main divisions: Business Banking, Consumer Banking, Wealth Management, and Commercial Banking. Each division serves specific customer needs and provides tailored products and services. Citizens Financial Services Inc's Business Banking division offers financial products and services to small and medium-sized businesses. The products include business loans, leasing, mortgages, credit cards, and payment processing. Services range from support in managing daily financial operations to advice and assistance in expanding the business. The Consumer Banking division of Citizens Financial Services Inc offers individuals a wide range of financial products and services, including checking accounts, savings accounts, credit cards, mortgages, auto loans, student loans, and online banking. The bank also operates a network of branches to provide customers with more personal service. The Wealth Management division of Citizens Financial Services Inc offers wealthy private clients financial and investment products, as well as asset management and advisory services. Products include investments in stocks, bonds, mutual funds, real estate, and alternative investments such as hedge funds. Services range from financial planning to portfolio management, tax planning, and estate planning. The Commercial Banking division of Citizens Financial Services Inc serves large companies and institutions, offering a wide range of capital market and banking services. Products include mortgages, loans, leasing, capital market and cash management solutions, as well as trade and export financing. Services range from support in mergers and acquisitions to advice on asset management. Citizens Financial Services Inc is proud to be an innovative company that responds to customer needs and is committed to creating an excellent customer experience. The company invests in technology and digital solutions to offer its customers a better and more efficient banking experience. These investments have made Citizens Financial Services Inc one of the leading online banks in the US. In addition to its operations in the four divisions, Citizens Financial Services Inc also offers a variety of specialized services, including SBA lending, medical practice and commercial real estate lending. These services are specifically tailored to certain industries and provide customized financing solutions and expertise. In summary, Citizens Financial Services Inc offers a wide range of financial products and services that meet the diverse needs of small and medium-sized businesses, individuals, wealthy private clients, as well as large companies and institutions. With investments in technology and innovation, the company is well-positioned to meet the changing needs of its customers.

The revenue cannot currently be calculated for Citizens Financial Services.

The expected profit of Citizens Financial Services is 41.86 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Citizens Financial Services is currently 9.46. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Citizens Financial Services stock.

The P/S cannot be calculated for Citizens Financial Services currently.

The Eulerpool Quality Score for Citizens Financial Services is 6/10.

The ISIN of Citizens Financial Services is US1746151042. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Citizens Financial Services is A0YHDT. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Citizens Financial Services is CZFS. The ticker symbol is used to trade Citizens Financial Services shares on the stock exchange.

Over the past 12 months, Citizens Financial Services paid a dividend of 1.99 USD . This corresponds to a dividend yield of about 2.41 %. For the coming 12 months, Citizens Financial Services is expected to pay a dividend of 2.06 USD.

The current dividend yield of Citizens Financial Services is 2.41 %.

Citizens Financial Services pays a dividend, distributed in the months of , , , .

Citizens Financial Services paid dividends every year for the past 26 years.

For the upcoming 12 months, dividends amounting to 2.06 USD are expected. This corresponds to a dividend yield of 2.50 %.

Citizens Financial Services is assigned to the 'Finance' sector.

To receive the latest dividend of Citizens Financial Services from amounting to 0.51 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Citizens Financial Services distributed 1.95 USD as dividends.

The dividends of Citizens Financial Services are distributed in USD.

All fundamentals and in-depth analysis of Citizens Financial Services

Our stock analysis for Citizens Financial Services stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Citizens Financial Services. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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