Citizens Financial Services Stock Analysis

CZFS Stock  USD 58.05  0.04  0.07%   
Citizens Financial Services is overvalued with Real Value of 54.89 and Target Price of 60.0. The main objective of Citizens Financial stock analysis is to determine its intrinsic value, which is an estimate of what Citizens Financial Services is worth, separate from its market price. There are two main types of Citizens Financial's stock analysis: fundamental analysis and technical analysis.
The Citizens Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Citizens Financial is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, National Mourning Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. Citizens Stock trading window is adjusted to America/New York timezone.
  
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Citizens Stock Analysis Notes

About 28.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.96. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Financial recorded earning per share (EPS) of 5.85. The entity last dividend was issued on the 14th of March 2025. The firm had 101:100 split on the 14th of June 2024. Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania. Citizens Fincl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 309 people. For more info on Citizens Financial Services please contact Randall Black at (570) 662-2121 or go to https://www.firstcitizensbank.com.

Citizens Financial Quarterly Total Revenue

26.21 Million

Citizens Financial Investment Alerts

Citizens Financial generated a negative expected return over the last 90 days
Citizens Financial is unlikely to experience financial distress in the next 2 years
Latest headline from news.google.com: Looking Into Citizens Financial Groups Recent Short Interest - Benzinga

Citizens Financial Upcoming and Recent Events

29th of January 2024
Upcoming Quarterly Report
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25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

Citizens Largest EPS Surprises

Earnings surprises can significantly impact Citizens Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2019-07-24
2019-06-301.191.340.1512 
2018-07-25
2018-06-301.141.290.1513 
2024-10-30
2024-09-301.381.590.2115 
View All Earnings Estimates

Citizens Financial Environmental, Social, and Governance (ESG) Scores

Citizens Financial's ESG score is a quantitative measure that evaluates Citizens Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Citizens Financial's operations that may have significant financial implications and affect Citizens Financial's stock price as well as guide investors towards more socially responsible investments.

Citizens Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Bank Of New York Mellon Corp2024-12-31
13.5 K
Morgan Stanley - Brokerage Accounts2024-12-31
13.1 K
Dimensional Fund Advisors, Inc.2024-12-31
11.7 K
Wayne Hummer Asset Mgmt Company2024-12-31
11 K
Weatherly Asset Management Lp2024-12-31
9.8 K
Amvescap Plc.2024-12-31
9.4 K
Nuveen Asset Management, Llc2024-12-31
9.3 K
Minerva Advisors Llc2024-12-31
7.8 K
Wells Fargo & Co2024-12-31
6.8 K
Blackrock Inc2024-12-31
323.4 K
Vanguard Group Inc2024-12-31
239.1 K
Note, although Citizens Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Citizens Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 288.38 M.

Citizens Profitablity

The company has Profit Margin (PM) of 0.28 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.38 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.38.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.05  0.04 
Return On Assets 0.01  0.01 
Return On Equity 0.09  0.14 

Management Efficiency

At this time, Citizens Financial's Return On Assets are comparatively stable compared to the past year. Return On Equity is likely to gain to 0.14 in 2025, whereas Return On Tangible Assets are likely to drop 0.01 in 2025. At this time, Citizens Financial's Total Assets are comparatively stable compared to the past year. Other Assets is likely to gain to about 2.5 B in 2025, whereas Non Currrent Assets Other are likely to drop slightly above 14.4 M in 2025. Citizens Financial's management efficiency ratios could be used to measure how well Citizens Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 63.10  66.25 
Tangible Book Value Per Share 44.44  46.66 
Enterprise Value Over EBITDA 21.60  22.68 
Price Book Value Ratio 1.00  1.64 
Enterprise Value Multiple 21.60  22.68 
Price Fair Value 1.00  1.64 
Enterprise Value538.9 M565.9 M
The strategic decisions made by Citizens Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.0327
Operating Margin
0.3834
Profit Margin
0.2802
Forward Dividend Yield
0.0327
Beta
0.592

Technical Drivers

As of the 27th of March, Citizens Financial shows the Risk Adjusted Performance of (0.05), mean deviation of 2.42, and Standard Deviation of 3.0. Citizens Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Citizens Financial market risk adjusted performance, information ratio, as well as the relationship between the Information Ratio and skewness to decide if Citizens Financial is priced correctly, providing market reflects its regular price of 58.05 per share. Given that Citizens Financial has information ratio of (0.07), we suggest you to validate Citizens Financial Services's prevailing market performance to make sure the company can sustain itself at a future point.

Citizens Financial Price Movement Analysis

Execute Study
The output start index for this execution was thirteen with a total number of output elements of fourty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Citizens Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Citizens Financial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Citizens Financial Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Citizens Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Citizens Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Citizens Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Behm John D over two weeks ago
Acquisition by Behm John D of 129 shares of Citizens Financial at 43.95 subject to Rule 16b-3
 
Randall Black over two weeks ago
Acquisition by Randall Black of tradable shares of Citizens Financial at 43.95 subject to Rule 16b-3
 
Stephen Guillaume over three weeks ago
Acquisition by Stephen Guillaume of tradable shares of Citizens Financial at 57.45 subject to Rule 16b-3
 
Richards David Z Jr over three weeks ago
Acquisition by Richards David Z Jr of 557 shares of Citizens Financial subject to Rule 16b-3
 
Landy R Joseph over three weeks ago
Disposition of tradable shares by Landy R Joseph of Citizens Financial subject to Rule 16b-3
 
Chappell Robert W over a month ago
Acquisition by Chappell Robert W of tradable shares of Citizens Financial subject to Rule 16b-3
 
Gephart Leeann over a month ago
Acquisition by Gephart Leeann of tradable shares of Citizens Financial at 69.19 subject to Rule 16b-3
 
Landy R Joseph over two months ago
Disposition of tradable shares by Landy R Joseph of Citizens Financial subject to Rule 16b-3
 
Gephart Leeann over two months ago
Acquisition by Gephart Leeann of tradable shares of Citizens Financial subject to Rule 16b-3
 
Behm John D over two months ago
Insider Trading
 
Randall Black over three months ago
Acquisition by Randall Black of tradable shares of Citizens Financial at 53.84 subject to Rule 16b-3
 
Osborne Terry B over three months ago
Acquisition by Osborne Terry B of tradable shares of Citizens Financial subject to Rule 16b-3

Citizens Financial Outstanding Bonds

Citizens Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Citizens Financial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Citizens bonds can be classified according to their maturity, which is the date when Citizens Financial Services has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Citizens Financial Predictive Daily Indicators

Citizens Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Citizens Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Citizens Financial Corporate Filings

F4
18th of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
6th of March 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
F4
3rd of March 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
4th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
30th of January 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
3rd of January 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
2nd of January 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

Citizens Financial Forecast Models

Citizens Financial's time-series forecasting models are one of many Citizens Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Citizens Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Citizens Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Citizens Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Citizens shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Citizens Financial. By using and applying Citizens Stock analysis, traders can create a robust methodology for identifying Citizens entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.22  0.21 
Operating Profit Margin 0.98  0.93 
Net Profit Margin 0.18  0.17 

Current Citizens Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Citizens analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Citizens analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
60.0Strong Buy1Odds
Citizens Financial Services current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Citizens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Citizens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Citizens Financial, talking to its executives and customers, or listening to Citizens conference calls.
Citizens Analyst Advice Details

Citizens Stock Analysis Indicators

Citizens Financial Services stock analysis indicators help investors evaluate how Citizens Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Citizens Financial shares will generate the highest return on investment. By understating and applying Citizens Financial stock analysis, traders can identify Citizens Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow52.8 M
Long Term Debt272.8 M
Common Stock Shares Outstanding4.8 M
Total Stockholder Equity299.7 M
Tax Provision5.9 M
Quarterly Earnings Growth Y O Y0.061
Property Plant And Equipment Net21.4 M
Cash And Short Term Investments468.1 M
Cash42.2 M
Accounts Payable4.7 M
Net Debt234.4 M
50 Day M A60.3462
Total Current Liabilities12.3 M
Other Operating Expenses2.6 M
Non Current Assets Total125.2 M
Forward Price Earnings9.2678
Non Currrent Assets Other15.2 M
Stock Based Compensation412 K

Additional Tools for Citizens Stock Analysis

When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.