Citizens Financial Services, Inc.
CZFSFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Citizens Financial Services, Inc. (CZFS) is listed under Banks - Regional. Valued at $402.1M, CZFS is a small-cap name in its sector. 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
$402.1M
Beta
0.38
P/E (TTM)
9.71
P/E (Fwd)
9.49
EPS (TTM)
$8.61
EPS (Fwd)
$8.81
ROE
12.3%
ROA
1.3%
Cash
$49.5M
Total Debt
$398.0M
Free CF
—
52W Change
34.5%
Annual Financials
Cash vs Debt
Where CZFS stands vs its 150-day and 200-day moving averages
As of the August 24, 2026 close, CZFS finished 22.07% above its 150-day moving average ($66.93) and 26.88% above its 200-day moving average ($64.39). 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 August 24, 2026 close, CZFS's RSI(14) was 62.6, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Citizens Financial Services, Inc. carries $398.0M in total debt against $49.5M in cash reserves — debt is roughly 8.0x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 12.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
The relatively low beta of 0.38 suggests CZFS is a less volatile holding compared to the broader index. 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.