Citizens Financial Services Inc. (CZFS) is a Major Banks company listed on NASDAQ. In the last 30 days Quantisnow tracked 2 wire items for CZFS, including 1 SEC filing and 1 dividend update. The most recent was published Oct 30, 2026.
Financial highlights
Full financials- Revenue, TTM
- $118.11M
- Revenue growth
- +12.5%
- Net income, TTM
- $41.05M
- Net margin
- 34.8%
- Free cash flow, TTM
- $36.91M
- Cash
- $39.43M
For the twelve months ended Jun 30, 2026, from SEC filings. Not investment advice.
News · 26 weeks47-85%
2026-05-102026-11-01
Mix1790d
- Insider15(88%)
- SEC Filings1(6%)
- Dividends1(6%)
Latest news
25 items- PRCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2026 FINANCIAL RESULTSMANSFIELD, Pa., Oct. 30, 2026 /PRNewswire/ -- Citizens Financial Services, Inc (NASDAQ:CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three and nine months ended September 30, 2026. HighlightsNet income for the first nine months of 2026 was $32.5 million, which was $6.4 million, or 24.5% more than 2025's net income through September 30, 2025 due to the increase in net interest income after the provision for credit losses of $8.1 million. The effective tax rate for the first nine months of 2026 was 17.9% compared to 19.2% in the comparable period in 2025.Net income was $11.9 million for the three months
- SECCitizens Financial Services Inc. filed SEC Form 8-K: Results of Operations and Financial Condition, Financial Statements and Exhibits8-K - CITIZENS FINANCIAL SERVICES INC (0000739421) (Filer)
- INSIDERDirector Landy R Joseph gifted 40 units of COMMON CLASS, decreasing direct ownership by 0.14% to 28,051 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Landy R Joseph was granted 70 units of COMMON CLASS, increasing direct ownership by 0.25% to 28,091 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Depaola Rinaldo A was granted 70 units of COMMON CLASS, increasing direct ownership by 0.42% to 16,851 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Hilfiger Janie M was granted 70 units of COMMON CLASS, increasing direct ownership by 2% to 3,959 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Painter John P Ii was granted 70 units of COMMON CLASS, increasing direct ownership by 2% to 3,991 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Behm John D was granted 70 units of COMMON CLASS, increasing direct ownership by 0.53% to 13,204 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Bower Joseph B Jr was granted 70 units of COMMON CLASS, increasing direct ownership by 3% to 2,092 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Freeman Thomas E. was granted 70 units of COMMON CLASS, increasing direct ownership by 0.52% to 13,423 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Kunes Christopher W was granted 70 units of COMMON CLASS, increasing direct ownership by 0.53% to 13,248 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Chappell Robert W was granted 70 units of COMMON CLASS, increasing direct ownership by 0.54% to 13,106 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Osborne Terry B was granted 70 units of COMMON CLASS, increasing direct ownership by 0.52% to 13,430 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Jones Mickey L was granted 70 units of COMMON CLASS, increasing direct ownership by 0.50% to 14,175 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Graham Roger C Jr was granted 70 units of COMMON CLASS, increasing direct ownership by 0.10% to 69,964 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Landy R Joseph gifted 20 units of COMMON CLASS, decreasing direct ownership by 0.07% to 28,021 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERSENIOR VICE PRESIDENT Guillaume Stephen J bought $1,832 worth of COMMON CLASS (24 units at $76.32), increasing direct ownership by 0.47% to 5,094 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- SECSEC Form 10-Q filed by Citizens Financial Services Inc.10-Q - CITIZENS FINANCIAL SERVICES INC (0000739421) (Filer)
- INSIDERDirector Painter John P Ii bought $12,883 worth of COMMON CLASS (160 units at $80.52), increasing direct ownership by 4% to 3,921 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- PRCITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTSMANSFIELD, Pa., July 30, 2026 /PRNewswire/ -- Citizens Financial Services, Inc (NASDAQ:CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three and six months ended June 30, 2026. HighlightsNet income for the first six months of 2026 was $20.6 million, which was $4.5 million, or 27.9% more than 2025's net income through June 30, 2025 due to the increase in net interest income after the provision for credit losses of $5.5 million. The effective tax rate for the first six months of 2026 was 17.9% compared to 19.1% in the comparable period in 2025.Net income was $10.2 million for the three months ended June 30
- SECCitizens Financial Services Inc. filed SEC Form 8-K: Results of Operations and Financial Condition, Financial Statements and Exhibits8-K - CITIZENS FINANCIAL SERVICES INC (0000739421) (Filer)
- INSIDEREXECUTIVE VICE PRESIDENT Richards David Z Jr was granted 343 units of COMMON CLASS, increasing direct ownership by 23% to 1,851 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERDirector Landy R Joseph gifted 20 units of COMMON CLASS, decreasing direct ownership by 0.07% to 28,041 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDEREXECUTIVE VICE PRESIDENT Gephart Leeann sold $1,073 worth of COMMON CLASS (15 units at $71.52), decreasing direct ownership by 2% to 946 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
- INSIDERCEO & PRESIDENT Black Randall E was granted 563 units of COMMON CLASS, increasing direct ownership by 1% to 46,487 units (SEC Form 4)4 - CITIZENS FINANCIAL SERVICES INC (0000739421) (Issuer)
CZFS FAQ
10 questionsWhat does Citizens Financial Services Inc. do?
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...What is the latest news on CZFS?
In the last 30 days Quantisnow tracked 2 wire items for CZFS: 1 SEC filing and 1 dividend update. The most recent was published on October 30, 2026.What is CZFS revenue?
Citizens Financial Services Inc. (CZFS) reported $118.11M of revenue for the twelve months ended Jun 30, 2026. That is up 12.5% from the year before. Revenue for fiscal 2025 was $112.34M.Is CZFS profitable?
Yes. Citizens Financial Services Inc. earned $41.05M in net income for the twelve months ended Jun 30, 2026, a net margin of 34.8%.How much cash and debt does CZFS have?
Citizens Financial Services Inc. reported $39.43M in cash and cash equivalents on its most recent balance sheet in SEC filings.Where does CZFS stock trade?
Citizens Financial Services Inc. (CZFS) is listed on NASDAQ.What sector and industry is CZFS in?
Citizens Financial Services Inc. operates in the Finance sector, Major Banks industry.What are analysts saying about CZFS?
Across the last 2 analyst actions on Citizens Financial Services Inc., there were 1 upgrade and 1 downgrade. The most recent action was from Janney: Buy with a $53.00 price target on 2024-04-30. Recent price targets cluster around $53.00.What companies are similar to CZFS?
Notable peers in the same industry include JPM (JP Morgan Chase & Co.), BAC (Bank of America Corporation), WFC (Wells Fargo & Company), C (Citigroup Inc.), UBS (UBS Group AG Registered). Compare CZFS side-by-side with any of them on Quantisnow.How can I track CZFS on Quantisnow?
Quantisnow aggregates Citizens Financial Services Inc.'s SEC filings, analyst ratings, insider transactions, FDA approvals, and press releases the moment they hit the wire (Wall Street's wire, on your screen.). Follow CZFS to receive live email and push alerts on every new disclosure.