Join over 2,000+ Investors
Register now and embark on your journey to informed and successful investing.
Citizens Financial Services Inc
CZFS | US
59.26
USD-0.29
-0.48%
CZFS | US
About Citizens Financial Services Inc
Sector
Financial Services
Industry
Banks - Regional - US
Earnings date
30/06/2024
As of date
12/03/2026
Close
59.26
Open
59.38
High
59.76
Low
58.55
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 professional trust administration investment management services estate planning and administration custody of securities and individual retirement accounts. In addition it offers brokerage and financial planning services as well as assistance in various oil and gas leasing matters; and provides mutual funds annuities and health and life insurance products. Citizens Financial Services Inc. was incorporated in 1984 and is headquartered in Mansfield Pennsylvania.
View LessCZFS | US
Risk
32.8
Sharpe
0.12
Luna's Score
52/100
Recommendation
Hold
Luna says (CZFS | US)
What's Working
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Market Beta (-0.4 to 0.8)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
Strong Operating Margin (> 25%)
Strong Revenue Growth (> 10%)
What's not Working
Negative Momentum (Declining Price)
Price Below SMA10D
High Short-term Volatility
Microcap (<300M USD)
High Debt to Equity (> 0.75)
Weak Sharpe Ratio (< 0.3)
Volatility Signals
Bearish: Increased Volatility (6-month > 1-month volatility)
Risk Meter
10 days
33.1%1 month
32.8%3 months
32.8%6 months
35.4%Returns
Fundamental Ratios
PE
10.35
Fwd. PE
10.07
Price to book
1.05
Debt to equity
1.17
Debt to assets
0.11
Ent. to EBITDA
-
Ent. to rev.
6.29
PEG
-
Other Fundamentals
EBITDA
-
MarketCap
282.07M
MarketCap(USD)
282.07M
Div. yield
3.19
Op. margin
31.89
Erngs. growth
-12.90
Rev. growth
47.50
Ret. on equity
9.96
Short ratio
2.35
Short perc.
0.74
Market Sentiment (SMA and Price signals)
Short-term: Bearish (SMA10D < SMA1M)
Intermediate-term: Bullish (SMA1M > SMA3M)
Long-term: Bullish (SMA6M > SMA12M)
SMAs: Stock Price Trends
Range10D
5.09
Range1M
7.45
Range3M
14.15
Volumes: Market Activity
Rel. volume
0.57
Price X volume
332.80K
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | - | - |
| Ent. to Revenue | 6.29 | - | Cheaper |
| PE Ratio | 10.35 | 18.44 | Cheaper |
| Price to Book | 1.05 | 3,795.44 | Cheaper |
| Dividend Yield | 3.19 | - | Par |
| Std. Deviation (3M) | 32.76 | - | Par |
| Debt to Equity | 1.17 | 0.66 | Expensive |
| Debt to Assets | 0.11 | 0.08 | Expensive |
| Market Cap | 282.07M | - | Emerging |
