Price
No data yet.
Social Signal Score
Analyst Ratings
2 analystsRevenue
$43.52M+238.51%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Randall E. Black
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 389
- Beta
- 0.38
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.30
Financials
Revenue
$43.52M+238.5%Net Income
$10.19M+223.1%EBITDA
$12.79M+218.8%Free Cash Flow
$-376.0K-108.5%EPS (diluted)
$2.12+152.4%Shares Outstanding (diluted)
4.80M+27.7%Operating Expenses
$16.87MCash & Debt
$530.74MReturn of Capital
$2.60MRevenue by Segment (annual)
$173.51MDividend per Share
$0.51Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $173.24M | $36.57M | $7.62 |
| 2024 | $168.62M | $27.82M | $5.80 |
| 2023 | $138.72M | $17.81M | $3.98 |
| 2022 | $93.09M | $29.06M | $7.10 |
| 2021 | $85.52M | $29.12M | $7.09 |
| 2020 | $81.72M | $25.10M | $6.27 |
| 2019 | $70.37M | $19.49M | $5.27 |
| 2018 | $64.49M | $18.03M | $4.84 |
| 2017 | $56.75M | $13.03M | $3.49 |
| 2016 | $50.90M | $12.64M | $3.36 |
| 2015 | $43.08M | $11.63M | $3.39 |
| 2014 | $42.65M | $13.38M | $3.88 |
| 2013 | $43.66M | $13.38M | $3.85 |
| 2012 | $46.05M | $14.21M | $4.05 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CZFS's reported EPS growth of 5.0% a year over 13 years.
- EPS in 5 years
- $9.73
- Implied price
- $68.10
- Return from $79.52
- -3.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $33.86 — -57.4% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| -5.0% | -26.0% | -18.0% | -12.3% | -7.8% | -4.0% |
| 0.0% | -22.1% | -13.7% | -7.7% | -2.9% | 1.1% |
| 5.0% | -18.2% | -9.4% | -3.1% | 1.9% | 6.1% |
| 10.0% | -14.3% | -5.0% | 1.6% | 6.8% | 11.2% |
| 15.0% | -10.4% | -0.7% | 6.2% | 11.7% | 16.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70-32.26%Social Signal Score
Mentions (8)
- Newszacks.com·3d ago·Positive
Citizens Financial Services (CZFS) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
View source ↗ - Newszacks.com·35d ago·Positive
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
View source ↗ - Newszacks.com·52d ago·Positive
All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy Citizens Financial Services (CZFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
View source ↗ - Newszacks.com·52d ago·Positive
Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?
View source ↗ - Newszacks.com·52d ago·Positive
Best Momentum Stocks to Buy for August 14th WDC and CZFS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 14, 2026.
View source ↗ - Newszacks.com·53d ago·Positive
Best Income Stocks to Buy for August 14th CZFS made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 14, 2026.
View source ↗ - Newszacks.com·54d ago·Positive
Best Momentum Stocks to Buy for August 12th ROKU, THC and CZFS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 12, 2026.
View source ↗ - Newszacks.com·55d ago·Positive
Best Income Stocks to Buy for August 12th CZFS, NTTYY and MTCH made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 12, 2026.
View source ↗
Earnings
Thu, Oct 29(in 3 weeks)
Consensus estimate $2.20 per share
Typical surprise +8.6% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 30$2.12 vs $1.98beat
- Wed, Apr 29$2.16 vs $1.98beat
- Fri, Jan 30$2.18 vs $2.07beat
- Thu, Oct 30$2.09 vs $1.76beat
- Wed, Jul 30$1.76 vs $1.62beat
- Wed, Apr 30$1.60 vs $1.49beat
Estimates and results for CZFS via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CZFS officers and directors.
- Bought
- $96k
- Sold
- $185k
11 trades
5 trades
- Guillaume Stephen Jbought
- Painter John P Iibought
- Gephart Leeannsold
- Gephart Leeannsold
- Guillaume Stephen Jbought
- Gephart Leeannsold
- Painter John P Iibought
- Painter John P Iibought
84 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in CZFS.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.