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CZFS
CITIZENS FINANCIAL SERVICES, INC.
NASDAQ
$80.98
▼ DOWN 0.21% (-0.17)

KEY STATISTICS

Market Cap$389.10 M
52w High$84.35
52w Low$52.35
Dividend Yield2.89%
FrequencyQuarterly
P/E9.89
Volume25.70K
Shares Out.4.80M

COMPANY

LEADERSHIP

Randall E. Black
CHIEF EXECUTIVE
Randall E. Black

COMPENSATION 2026

Salary$675,000
Stock Awards$89,969
Incentive Plan Pay$0
All Other Comp.$447,424
Total$1,212,643

ABOUT

SECTOR
Financial Services
WENT PUBLIC
January 4, 1999
METHOD OF GOING PUBLIC
Reverse Merger
FULL TIME EMPLOYEES
389

UPCOMING EARNINGS

DateOct 29, 2026
DayThursday
Rev. Est.$31.00M
OCT
29
THU

SPLIT RECORD

DATETYPERATIO
2017-06-14Forward21:20
2013-06-19Forward21:20
1997-10-16Forward2:1
1997-09-22Forward2:1

PRICE

$80.98 ▼ DOWN 0.21% (−$0.17)
OVERLAYS
$81.00$81.75$82.509:30 AM10:35 AM11:40 AM12:45 PM1:49 PM2:54 PM3:59 PM80.98

About Citizens Financial Services, Inc.

https://www.firstcitizensbank.com ↗

Citizens Financial Services, Inc., founded in 1932 and based in Mansfield, PA, operates First Citizens Community Bank, offering a wide range of banking, lending, trust, investment, and insurance services across 30 branches in PA, NY, and DE.

INDUSTRY

Banks - Regional

A SERVICE CITIZENS FINANCIAL SERVICES, INC. IS KNOWN FOR

Citizens Private Bank

Launched in 2023, Citizens Private Bank offers tailored wealth management and banking services for high-net-worth individuals, families, and businesses, focusing on integrating banking and wealth solutions to serve affluent clients.

COMPETITORS

COMPETITOR
FNB COMPARE
FULT COMPARE
MPB COMPARE
STBA COMPARE
WSBC COMPARE

Revenue by Products

IconPRODUCTQ1-2021Q1-2025Q2-2025Q2-2026
Community Banking Member— — — $43.52M
Community Banking— $42.44M $42.41M ▼—
Service$1.11M — — —
Interchange Revenue$639K — — —
Brokerage and Insurance$376K — — —
Trust Fees$307K — — —
Overdraft Fees$258K — — —
Financial Service Other$109K — — —
Automated Teller Machine Income$98K — — —
Statement Fees$56K — — —
Service Charges on Deposit Accounts Other$55K — — —

ETFS HOLDING THIS STOCK

ETFS HOLDING
77
LISTED HERE
14
RANKED BY POSITION SIZE
VTS.AX
0.00% · 141.0K
IWM
0.01% · 119.6K
AVUV
0.02% · 60.6K
SCHA
0.01% · 23.0K
ZPRR.DE
0.01% · 7.5K
DFSV
0.01% · 6.8K
BSVO
0.02% · 5.3K
XRS2.DE
0.01% · 4.2K
DHS
0.02% · 3.6K
RSSL
0.01% · 2.2K
PRFZ
0.01% · 2.0K
SQLV
0.25% · 1.2K
URTY
0.00% · 188
EB
EBI
0.00% · 122

INSTITUTIONAL OWNERSHIP

SHARES OWNED
31.74%
HOLDERS
102
TOP 12 OF 102 · RANKED BY POSITION SIZE
Blackrock, Inc.
354.6K sh · $25.68M
Blackrock Inc.
305.6K sh · $13.73M
Vanguard Group Inc
253.4K sh · $14.45M
Geode Capital Management, LLC
119.8K sh · $8.68M
Citizens & Northern Corp
117.1K sh · $7.06M
State Street Corp
99.7K sh · $6.01M
Hudock, Inc.
78.1K sh · $5.66M
American Century Companies Inc
44.2K sh · $2.7M
Charles Schwab Investment Management Inc
39.0K sh · $2.35M
Sixth Street Partners Management Company, L.P.
38.7K sh · $2.8M
Northern Trust Corp
37.5K sh · $2.26M
Terrapin Asset Management, LLC
37.5K sh · $1.8M

RATINGS SNAPSHOT

Overall rating: A-

DCFROEROAD/EP/EP/B
Discounted Cash Flow5
Return On Equity4
Return On Assets3
Debt To Equity2
Price To Earnings3
Price To Book3
Overall Score4

INSIDER TRADES

★
DIRECTOR
Painter John P II
Purchase · 160 shares
2026-08-05
★
DIRECTOR, OFFICER: EXECUTIVE VICE PRESIDENT
RICHARDS DAVID Z JR
Purchase · 343 shares
2026-07-22
★
OFFICER: EXECUTIVE VICE PRESIDENT
Gephart LeeAnn
Sale · 15 shares
2026-07-09
★
DIRECTOR
LANDY R JOSEPH
Sale · 20 shares
2026-07-09

SECTORS PEERS

PEERPRICE
CZNC$25.54COMPARE
CBAN$21.34COMPARE
PKBK$33.99COMPARE
FNLC$34.76COMPARE
NECB$26.43COMPARE
TSBK$46.40COMPARE
COSO$27.49COMPARE
FDBC$53.70COMPARE