Citizens Financial Services, Inc.
CZFSFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
Scan Results
Daily timeframeCitizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. With a market capitalization of $406.8M, it sits in small-cap territory. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including 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.
Market Cap
$406.8M
Beta
0.39
P/E (TTM)
9.89
P/E (Fwd)
9.60
EPS (TTM)
$8.55
EPS (Fwd)
$8.81
ROE
12.3%
ROA
1.3%
Cash
$49.5M
Total Debt
$398.0M
Free CF
—
52W Change
52.8%
Annual Financials
Cash vs Debt
Where CZFS stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, CZFS finished 10.58% above its 150-day moving average ($71.53) and 14.87% above its 200-day moving average ($68.86). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is CZFS overbought or oversold?
At the October 20, 2026 close, CZFS's RSI(14) was 46.0, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, CZFS has $49.5M in cash with $398.0M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 12.3% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $81.9M (2022) to $112.3M (2025), reflecting a 37% increase over the period.
With a beta below 0.7, Citizens Financial Services, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CZFS.