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Citizens Financial Services Inc
CZFS | US
65.15
USD-3.83
-5.55%
CZFS | US
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About Citizens Financial Services Inc
Sector
Financial Services
Industry
Banks - Regional - US
Earnings date
30/06/2024
As of date
23/04/2026
Close
65.15
Open
69.50
High
69.50
Low
65.15
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. The company accepts various deposit products such as checking savings and time deposit accounts. Its loan products include residential commercial and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans as well as various other specialized financial services. The company also provides professional trust administration investment management services estate planning and administration custody of securities and individual retirement accounts. In addition it offers brokerage and financial planning services as well as assistance in various oil and gas leasing matters; and provides mutual funds annuities and health and life insurance products. Citizens Financial Services Inc. was incorporated in 1984 and is headquartered in Mansfield Pennsylvania.
View LessCZFS | US
Risk
40.1
Sharpe
0.32
Luna's Score
60/100
Recommendation
Hold
Luna says (CZFS | US)
What's Working
Positive Momentum
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Market Beta (-0.4 to 0.8)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
Strong Operating Margin (> 25%)
Strong Revenue Growth (> 10%)
What's not Working
Weakness based on declining price with high volume
Price Below SMA10D
High Short-term Volatility
Smallcap (300M - 2B USD)
High Debt to Equity (> 0.75)
Volatility Signals
Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.
Risk Meter
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10 days
48.9%1 month
40.1%3 months
35.8%6 months
35.4%Returns
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Fundamental Ratios
PE
10.35
Fwd. PE
10.07
Price to book
1.05
Debt to equity
1.17
Debt to assets
0.11
Ent. to EBITDA
-
Ent. to rev.
6.29
PEG
-
Other Fundamentals
EBITDA
-
MarketCap
310.11M
MarketCap(USD)
310.11M
Div. yield
3.19
Op. margin
31.89
Erngs. growth
-12.90
Rev. growth
47.50
Ret. on equity
9.96
Short ratio
2.35
Short perc.
0.74
Market Sentiment (SMA and Price signals)
Short-term: Bullish (SMA10D > SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
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Range10D
5.33
Range1M
13.08
Range3M
13.08
Volumes: Market Activity
Volume Averages
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Rel. volume
1.05
Price X volume
572.60K
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | -25.13 | - |
| Ent. to Revenue | 6.29 | 73.69 | Cheaper |
| PE Ratio | 10.35 | 18.44 | Cheaper |
| Price to Book | 1.05 | 3,795.44 | Cheaper |
| Dividend Yield | 3.19 | 3.11 | Par |
| Std. Deviation (3M) | 35.78 | 32.77 | Par |
| Debt to Equity | 1.17 | 0.66 | Expensive |
| Debt to Assets | 0.11 | 0.08 | Expensive |
| Market Cap | 310.11M | 2.81B | Emerging |
