Is CZFS above its 150-day moving average?

CZFS is currently above its 150-day moving average by 8.51%. The MA150 sits at $60.64.

What is CZFS's RSI right now?

CZFS's 14-period RSI is 56.0. This is in a neutral zone (30–70).

Is CZFS's MACD bullish or bearish?

CZFS's MACD histogram reads +0.1908. A positive histogram means short-term momentum is leaning bullish.

How are CZFS's technical signals calculated?

Scanance computes CZFS's technicals daily after market close from end-of-day OHLCV data. MA150 and MA200 are simple moving averages. RSI uses Wilder's 14-period smoothing. MACD uses 12/26/9 exponential moving averages. Volume ratio compares current volume to the 20-day average.

Scanance does not provide investment advice. The technical readouts on this page are pattern matches against deterministic indicator rules — they are not buy or sell recommendations. Always do your own research and consider consulting a licensed financial professional before making any trade.

CZ

Citizens Financial Services, Inc.

CZFSFinancial ServicesNASDAQ

Banks - Regional

PriceMA150MA200

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End-of-day data · ScananceOpen live chart on TradingView ↗

Indicator snapshot

MA150+8.51%

$60.64

Price above medium-term moving average.

MA200+9.60%

$60.04

Above long-term trend line.

RSI-14neutral

56.0

Balanced. Not overbought, not oversold.

MACDpositive

+0.1908

Histogram positive — upward momentum.

Financials · Annual

Revenue

$112.3M

+11.5% YoY

Net Income

$36.6M

+31.5% YoY

Scan Results

Daily timeframe

DateIndicatorDetails

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. Valued at $316.2M, 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.

Key stats

Market Cap$316.2M

P/E (TTM)8.03

Fwd P/E7.92

EPS$8.19

Beta0.40

52W Change+4.0%

Dividend Yield3.04%

ROE12.1%

Analysis

The company holds $44.0M in cash, though total debt stands at $202.9M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 12.1% 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. No single metric tells the full story. Reviewing CZFS's risk profile alongside its fundamentals and technical indicators provides a more complete picture.

Links

Company website ↗

Citizens Financial Services, Inc.

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