# Citizens Financial Services share price today (Citizens Financial Services, Inc., CZFS)

> Citizens Financial Services, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 100% of past readings. CZFS · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/czfs

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $87.30 (+49.2% in a year)
- P/BV: 1.2× (higher than 100% of the last 1 year)
- Revenue (Jun 2026): $29.2 M (+10.0% on a year ago)
- Profit (Jun 2026): $10.2 M (+20.4% on a year ago)
- Net margin: 34.9% (+3.0 points on a year ago)
- ROE: 13%, FY25
- ROA: 1.33%, latest

The main question: results are strong, and the P/BV is higher than 100% of its own history. ## What is the Citizens Financial Services share price today? Citizens Financial Services, Inc.'s share price was $87.30 at the close on 4 November 2026. That is 22.9% above its average price over the last 200 trading days. In the last 52 weeks it traded between $56 and $87, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 17 weeks in a row. Over the last 1 year the share price moved +43% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Citizens Financial Services pay? Citizens Financial Services, Inc. paid $2.01 per share over the last four reported quarters. The most recent declaration was $0.51 for Jun 2026. At today's price of $87.30 that is a yield of 2.30%, based on dividends already paid, not a forecast. ## Which stock lists is Citizens Financial Services on? Citizens Financial Services is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Citizens Financial Services profitable? Citizens Financial Services, Inc. earned $10.2 M of net profit in the Jun 2026 quarter, +20.4% on the same quarter a year earlier. That is the 7th quarter in a row of profit growth. Full-year FY25 profit was $36.6 M. Over 4 years profit has grown 5.9% a year on average. That is 34.9% of the quarter's revenue. The same quarter a year earlier earned $8.5 M. For the full year, FY25 profit was $36.6 M (+31.5% on the year before). Why profit moved: revenue changed +10.0% on a year earlier and the margin moved +3.0 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +30.2% and revenue +10.2%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Citizens Financial Services make, and is it growing? Citizens Financial Services, Inc. reported $29.2 M of income in the Jun 2026 quarter, +10.0% on the same quarter a year earlier. That is the 7th quarter in a row with growth on the year before. Over 4 years it has grown 9.8% a year on average. The last full year, FY25, came in at $110 M. The last four reported quarters add to $115 M. FY25 revenue was $110 M, +10.8% on the year before. Recent pace: the last four quarters grew +10.2% on average, against 9.8% a year over the longer run, so this year is growing at about the same pace as its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +10.1%, against +7.9% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +29.9%, against +22.4% a year (accelerating). ## How much does Citizens Financial Services keep from what it earns? Citizens Financial Services, Inc.'s net margin was 34.9% in the Jun 2026 quarter, 3.0 percentage points higher than the same quarter a year ago. Across 5 years it has been between 20.6% and 38.5%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Citizens Financial Services' loans have gone bad? Citizens Financial Services, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Citizens Financial Services' loan book growing? Citizens Financial Services, Inc.'s revenue was $110 M in FY25, +10.8% on the year before, so the loan book is growing. The latest quarter was +10.0% on a year earlier. The net margin on that income is 34.9%, +3.0 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Citizens Financial Services' P/BV ratio, and how does it compare with its own history? Citizens Financial Services, Inc.'s P/BV is 1.2×, about the highest it has ever been. Its usual P/BV (the middle reading) is 0.9×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 13% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +49.2%. The price ran ahead of book value, which pushed the multiple up within its own range. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Citizens Financial Services business getting better or worse? Citizens Financial Services, Inc.'s business is giving mixed signals. Growth has been steadily positive, but ROE at 11.6% is below the 12% level needed to call it steady growth. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does Citizens Financial Services earn on its equity and assets? Citizens Financial Services, Inc. earned a return on equity of 11% in FY25. Its lowest yearly reading on file was 6% in FY23. On its assets, every $100 earned about $1.33, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 5.9% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Citizens Financial Services have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Citizens Financial Services shareholding pattern? 1.6% of Citizens Financial Services, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so very few traders are betting against this stock. At normal trading volumes, closing those positions would take about 1.9 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Citizens Financial Services from balance-sheet trouble? For Citizens Financial Services, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Citizens Financial Services rank in its industry? There is no score against its industry: Citizens Financial Services, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Citizens Financial Services compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Citizens Financial Services in size? Citizens Financial Services is the 224th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: PCB Bancorp, Avidia Bancorp, Inc. and Chemung Financial Corporation. Just below it: The First Bancorp, Inc., Fidelity D & D Bancorp, Inc. and Norwood Financial Corp. ### Banks - Regional companies close in size

1. [PCB Bancorp](https://www.sectoralpha.in/us/stocks/pcb) $432 million
2. [Avidia Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/avbc) $426 million
3. [Chemung Financial Corporation](https://www.sectoralpha.in/us/stocks/chmg) $420 million
4. Citizens Financial Services, Inc. $420 million
5. [The First Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fnlc) $419 million
6. [Fidelity D & D Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fdbc) $407 million
7. [Norwood Financial Corp.](https://www.sectoralpha.in/us/stocks/nwfl) $397 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Integra Resources Corp.](https://www.sectoralpha.in/us/stocks/itrg) $407 million · Other Precious Metals & Mining
2. [The First Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fnlc) $407 million · Banks - Regional
3. Citizens Financial Services, Inc. $407 million
4. [Intrepid Potash, Inc.](https://www.sectoralpha.in/us/stocks/ipi) $407 million · Agricultural Inputs
5. [Assembly Biosciences, Inc.](https://www.sectoralpha.in/us/stocks/asmb) $406 million · Biotechnology

## What else do people ask about Citizens Financial Services? ### What were Citizens Financial Services's latest quarterly results? Citizens Financial Services, Inc. reported total income of $29.2 M and net profit of $10.2 M for the Jun 2026 quarter. Income rose 10.0% and profit rose 20.4% compared with a year earlier. Earnings per share were $2.12 (as of 4 November 2026). ### What is Citizens Financial Services's market cap? Citizens Financial Services, Inc.'s market capitalisation is $420 M at a stock price of $87.30. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Citizens Financial Services performing? Citizens Financial Services, Inc.'s latest readings are below. In its latest quarter, income rose 10.0% and profit rose 20.4% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 17 weeks running. This describes what the data did, not a rating (as of 4 November 2026). ### Will Citizens Financial Services's stock price go up? This page does not forecast Citizens Financial Services, Inc.'s stock price. What it shows instead: the stock price is $87.30. Its P/BV of 1.2× is higher than 100% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is Citizens Financial Services in its business cycle? Citizens Financial Services, Inc.'s FY25 net margin was 33.3%, against a 5-year range of 20.6% to 38.5%: the middle of its own range, neither a peak nor a low. The latest quarter was 34.9%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Citizens Financial Services story? The main question: results are strong, and the P/BV is higher than 100% of its own history. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Citizens Financial Services a stock worth studying right now? What the numbers show: Citizens Financial Services, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 100% of past readings. The main open question: whether earnings grow enough to match the multiple. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.