Citizens Financial Services (CZFS) Stock Insights
CZFS$83.84-0.41 -0.49%
$403.26M
Market Cap
—
P/E
—
Forward P/E
—
Score
Citizens Financial Services (CZFS) Stock Insights
CZFS price $83.84 -0.41 -0.49%
- Ticker
- CZFS
- Price
- $83.84
- Change
- -0.41 -0.49%
- Market cap ?
- $403.26M
- Beta ?
- 0.39
- Sector
- Financial Services
- Industry
- Banks - Regional
Fair value
CZFS fair value Not meaningful. Price $83.84.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
No estimate. Cash-flow models don't suit banks
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-10-29 | — | 2.20 | — | 31.00M |
| 2026-07-30 | 2.12 | 1.98 | 29.71M | 29.30M |
| 2026-04-29 | 2.16 | 1.98 | 29.78M | 29.10M |
| 2026-01-30 | 2.18 | 2.07 | 29.61M | 29.40M |
| 2025-10-30 | 2.09 | 1.76 | 44.11M | — |
| 2025-07-30 | 1.76 | 1.62 | 42.41M | — |
| 2025-04-30 | 1.60 | 1.49 | 42.44M | — |
| 2025-01-30 | 1.68 | 1.54 | 43.13M | — |
| 2024-10-30 | 1.59 | 1.38 | 25.08M | 22.48M |
| 2024-07-30 | 1.30 | 1.32 | 24.64M | 21.80M |
| 2024-04-25 | 1.34 | 1.55 | 24.83M | 22.90M |
| 2024-01-30 | 1.60 | 1.62 | 25.34M | 21.80M |
| 2023-10-23 | 1.67 | 1.57 | 26.07M | 21.70M |
| 2023-07-31 | 1.53 | 0.02 | 20.20M | 18.40M |
| 2023-04-27 | 1.73 | 1.75 | 20.25M | 19.30M |
| 2023-01-30 | 1.99 | 1.96 | 21.61M | 20.70M |
| 2022-10-24 | 1.90 | 1.89 | 21.54M | 20.10M |
| 2022-07-21 | 1.74 | 1.74 | 20.03M | 19.50M |
| 2022-04-29 | 1.69 | 1.72 | 18.69M | 18.70M |
| 2022-01-28 | 1.74 | 1.77 | 19.38M | 19.40M |
| 2021-10-26 | 1.77 | 1.72 | 19.44M | 17.25M |
| 2021-07-26 | 1.67 | 1.63 | 20.78M | — |
| 2021-04-23 | 2.12 | 1.56 | 20.68M | 19.90M |
| 2021-01-25 | 1.81 | 1.80 | 20.51M | 20.40M |
| 2020-10-23 | 2.00 | 1.64 | 20.01M | 15.05M |
| 2020-07-27 | 1.36 | 0.84 | 18.36M | 894.65K |
| 2020-04-24 | 1.25 | 0.98 | 14.74M | 1.35M |
| 2020-03-12 | 1.36 | — | 17.74M | — |
| 2019-10-23 | 1.44 | 1.35 | 15.08M | 7.51K |
| 2019-07-24 | 1.34 | 1.19 | 14.36M | 1.53M |
| 2019-05-01 | 1.21 | 1.30 | 13.95M | 1.85M |
| 2019-01-25 | 1.24 | 1.27 | 14.22M | 14.55M |
| 2018-10-23 | 1.26 | 1.24 | 13.78M | 1.61M |
| 2018-07-25 | 1.29 | 1.14 | 13.59M | 1.40M |
| 2018-04-27 | 1.16 | 1.09 | 13.33M | 1.53M |
| 2018-01-31 | 1.12 | 0.57 | 14.05M | 12.88M |
| 2017-10-26 | 1.00 | 0.98 | 12.54M | 10.41M |
| 2017-07-26 | 0.94 | — | 13.67M | — |
| 2017-04-26 | 0.90 | — | 13.34M | — |
| 2017-01-30 | 0.85 | — | 13.26M | — |
Dividends
Yield 2.41%. Payout ratio 23.53%. Frequency Quarterly.
Safety score 87/100 · Safe. Payout ratio is 24% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. Dividends were paid in 30 separate years. Yield is 2.4%, in a range that is usually sustainable.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| 2026-09-11 | $0.51 | 2026-09-11 | 2026-09-25 | Quarterly |
| 2026-06-12 | $0.51 | 2026-06-12 | 2026-06-26 | Quarterly |
| 2026-03-13 | $0.50 | 2026-03-13 | 2026-03-27 | Quarterly |
| 2025-12-12 | $0.50 | 2025-12-12 | 2025-12-26 | Quarterly |
| 2025-09-12 | $0.50 | 2025-09-12 | 2025-09-26 | Quarterly |
| 2025-06-13 | $0.49 | 2025-06-13 | 2025-06-27 | Quarterly |
| 2025-03-14 | $0.49 | 2025-03-14 | 2025-03-28 | Quarterly |
| 2024-12-13 | $0.49 | 2024-12-13 | 2024-12-27 | Quarterly |
| 2024-09-13 | $0.49 | 2024-09-13 | 2024-09-27 | Quarterly |
| 2024-06-14 | $0.49 | 2024-06-14 | 2024-06-28 | Quarterly |
| 2024-03-14 | $0.49 | 2024-03-15 | 2024-03-29 | Quarterly |
| 2023-12-14 | $0.49 | 2023-12-15 | 2023-12-29 | Quarterly |
| 2023-09-14 | $0.49 | 2023-09-15 | 2023-09-29 | Quarterly |
| 2023-06-08 | $0.48 | 2023-06-09 | 2023-06-30 | Quarterly |
| 2023-03-09 | $0.48 | 2023-03-10 | 2023-03-31 | Quarterly |
| 2022-12-15 | $0.47 | 2022-12-16 | 2022-12-30 | Quarterly |
| 2022-09-15 | $0.47 | 2022-09-16 | 2022-09-30 | Quarterly |
| 2022-06-09 | $0.47 | 2022-06-10 | 2022-06-24 | Quarterly |
| 2022-03-10 | $0.46 | 2022-03-11 | 2022-03-25 | Quarterly |
| 2021-12-15 | $0.46 | 2021-12-16 | 2021-12-30 | Quarterly |
| 2021-09-15 | $0.46 | 2021-09-16 | 2021-09-30 | Quarterly |
| 2021-06-10 | $0.45 | 2021-06-11 | 2021-06-25 | Quarterly |
| 2021-03-11 | $0.45 | 2021-03-12 | 2021-03-26 | Quarterly |
| 2020-12-14 | $0.45 | 2020-12-15 | 2020-12-29 | Quarterly |
| 2020-09-10 | $0.45 | 2020-09-11 | 2020-09-25 | Quarterly |
| 2020-06-11 | $0.44 | 2020-06-12 | 2020-06-26 | Quarterly |
| 2020-03-12 | $0.54 | 2020-03-13 | 2020-03-27 | Quarterly |
| 2019-12-12 | $0.44 | 2019-12-13 | 2019-12-27 | Quarterly |
| 2019-09-12 | $0.44 | 2019-09-13 | 2019-09-27 | Quarterly |
| 2019-06-13 | $0.43 | 2019-06-14 | 2019-06-28 | Quarterly |
| 2019-03-14 | $0.43 | 2019-03-15 | 2019-03-29 | Quarterly |
| 2018-12-13 | $0.41 | 2018-12-14 | 2018-12-28 | Quarterly |
| 2018-09-13 | $0.43 | 2018-09-14 | 2018-09-28 | Quarterly |
| 2018-06-14 | $0.42 | 2018-06-15 | 2018-06-29 | Quarterly |
| 2018-03-15 | $0.42 | 2018-03-16 | 2018-03-30 | Quarterly |
| 2017-12-14 | $0.41 | 2017-12-15 | 2017-12-29 | Quarterly |
| 2017-09-14 | $0.41 | 2017-09-15 | 2017-09-29 | Quarterly |
| 2017-06-14 | $0.39 | 2017-06-16 | 2017-06-30 | Quarterly |
| 2017-03-15 | $0.41 | 2017-03-17 | 2017-03-31 | Quarterly |
| 2016-12-14 | $0.40 | 2016-12-16 | 2016-12-30 | Quarterly |
| 2016-09-14 | $0.40 | 2016-09-16 | 2016-09-30 | Quarterly |
| 2016-06-21 | $0.40 | 2016-06-23 | 2016-06-30 | Quarterly |
| 2016-03-16 | $0.40 | 2016-03-18 | 2016-03-24 | Quarterly |
| 2015-12-16 | $0.39 | 2015-12-18 | 2015-12-30 | Quarterly |
| 2015-09-16 | $0.49 | 2015-09-18 | 2015-09-25 | Quarterly |
| 2015-06-17 | $0.39 | 2015-06-19 | 2015-06-26 | Quarterly |
| 2015-03-18 | $0.39 | 2015-03-20 | 2015-03-27 | Quarterly |
| 2014-12-11 | $0.38 | 2014-12-15 | 2014-12-22 | Quarterly |
| 2014-09-17 | $0.96 | 2014-09-19 | 2014-09-26 | Quarterly |
| 2014-06-18 | $0.37 | 2014-06-20 | 2014-06-27 | Quarterly |
| 2014-03-19 | $0.37 | 2014-03-21 | 2014-03-28 | Quarterly |
| 2013-12-17 | $0.37 | 2013-12-19 | 2013-12-27 | Quarterly |
| 2013-09-18 | $0.27 | 2013-09-20 | 2013-09-27 | Quarterly |
| 2013-06-19 | $0.26 | 2013-06-21 | 2013-06-28 | Quarterly |
| 2013-03-20 | $0.26 | 2013-03-22 | 2013-03-29 | Quarterly |
| 2012-12-19 | $0.34 | 2012-12-21 | 2012-12-31 | Quarterly |
| 2012-10-17 | $0.28 | 2012-10-19 | 2012-10-26 | Quarterly |
| 2012-07-18 | $0.27 | 2012-07-20 | 2012-07-27 | Quarterly |
| 2012-04-18 | $0.27 | 2012-04-20 | 2012-04-27 | Quarterly |
| 2012-01-18 | $0.26 | 2012-01-20 | 2012-01-27 | Quarterly |
| 2011-11-16 | $0.09 | 2011-11-18 | 2011-11-25 | Monthly |
| 2011-10-19 | $0.24 | 2011-10-21 | 2011-10-28 | Quarterly |
| 2011-07-13 | $0.24 | 2011-07-15 | 2011-07-29 | Quarterly |
| 2011-04-13 | $0.24 | 2011-04-15 | 2011-04-29 | Quarterly |
| 2011-01-12 | $0.23 | 2011-01-14 | 2011-01-28 | Quarterly |
| 2010-11-24 | $0.07 | 2010-11-29 | 2010-12-17 | Monthly |
| 2010-10-13 | $0.23 | 2010-10-15 | 2010-11-05 | Quarterly |
| 2010-07-14 | $0.23 | 2010-07-16 | 2010-07-30 | Quarterly |
| 2010-04-14 | $0.23 | 2010-04-16 | 2010-04-30 | Quarterly |
| 2010-01-13 | $0.22 | 2010-01-15 | 2010-01-29 | Quarterly |
| 2009-11-12 | $0.04 | 2009-11-16 | 2009-12-10 | Monthly |
| 2009-10-14 | $0.22 | 2009-10-16 | 2009-10-30 | Quarterly |
| 2009-07-15 | $0.22 | 2009-07-17 | 2009-07-31 | Quarterly |
| 2009-04-15 | $0.22 | 2009-04-17 | 2009-04-30 | Quarterly |
| 2009-01-14 | $0.21 | 2009-01-16 | 2009-01-30 | Quarterly |
| 2008-11-12 | $0.04 | 2008-11-14 | 2008-11-28 | Monthly |
| 2008-10-15 | $0.21 | 2008-10-17 | 2008-10-31 | Quarterly |
| 2008-07-09 | $0.21 | 2008-07-11 | 2008-07-25 | Quarterly |
| 2008-04-09 | $0.21 | 2008-04-11 | 2008-04-25 | Quarterly |
| 2008-01-10 | $0.20 | 2008-01-14 | 2008-01-25 | Quarterly |
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-22 | LANDY R JOSEPH | Sell | 40 | — | — |
| 2026-09-15 | LANDY R JOSEPH | Buy | 70 | — | — |
| 2026-09-15 | DePaola Rinaldo A | Buy | 70 | — | — |
| 2026-09-15 | Hilfiger Janie M | Buy | 70 | — | — |
| 2026-09-15 | Painter John P II | Buy | 70 | — | — |
| 2026-09-15 | Behm John D | Buy | 70 | — | — |
| 2026-09-15 | BOWER JOSEPH B JR | Buy | 70 | — | — |
| 2026-09-15 | Freeman Thomas E. | Buy | 70 | — | — |
| 2026-09-15 | KUNES CHRISTOPHER W | Buy | 70 | — | — |
| 2026-09-15 | Chappell Robert W | Buy | 70 | — | — |
| 2026-09-15 | OSBORNE TERRY B | Buy | 70 | — | — |
| 2026-09-15 | JONES MICKEY L | Buy | 70 | — | — |
| 2026-09-15 | GRAHAM ROGER C JR | Buy | 70 | — | — |
| 2026-09-08 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2026-08-31 | Guillaume Stephen J | Buy | 24 | $76.32 | 1.83K |
| 2026-08-05 | Painter John P II | Buy | 160 | $80.52 | 12.88K |
| 2026-07-22 | RICHARDS DAVID Z JR | Buy | 343 | — | — |
| 2026-07-09 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2026-07-09 | Gephart LeeAnn | Sell | 15 | $71.52 | 1.07K |
| 2026-06-25 | BLACK RANDALL E | Buy | 563 | — | — |
| 2026-06-25 | WILSON JEFFREY L | Buy | 49 | — | — |
| 2026-06-25 | Guillaume Stephen J | Buy | 311 | — | — |
| 2026-06-25 | Gephart LeeAnn | Buy | 153 | — | — |
| 2026-06-25 | White Jeffrey R | Buy | 336 | — | — |
| 2026-06-25 | Gephart LeeAnn | Sell | 29 | $66.52 | 1.93K |
| 2026-06-16 | Croft Warren James | Other | 0 | — | — |
| 2026-06-15 | Behm John D | Buy | 29 | — | — |
| 2026-06-15 | Hilfiger Janie M | Buy | 88 | — | — |
| 2026-06-15 | Painter John P II | Buy | 88 | — | — |
| 2026-06-15 | BOWER JOSEPH B JR | Buy | 88 | — | — |
| 2026-06-15 | OSBORNE TERRY B | Buy | 88 | — | — |
| 2026-06-15 | JONES MICKEY L | Buy | 88 | — | — |
| 2026-06-15 | GRAHAM ROGER C JR | Buy | 88 | — | — |
| 2026-06-15 | Freeman Thomas E. | Buy | 88 | — | — |
| 2026-06-15 | KUNES CHRISTOPHER W | Buy | 88 | — | — |
| 2026-06-15 | LANDY R JOSEPH | Buy | 88 | — | — |
| 2026-06-15 | DePaola Rinaldo A | Buy | 88 | — | — |
| 2026-06-10 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2026-05-29 | Guillaume Stephen J | Buy | 34 | $61.78 | 2.10K |
| 2026-05-28 | Gephart LeeAnn | Sell | 24 | $64.78 | 1.55K |
| 2026-05-12 | Painter John P II | Buy | 140 | $63.67 | 8.91K |
| 2026-05-04 | LANDY R JOSEPH | Sell | 40 | — | — |
| 2026-04-30 | Hilfiger Janie M | Buy | 99 | — | — |
| 2026-04-30 | Painter John P II | Buy | 99 | — | — |
| 2026-04-30 | BOWER JOSEPH B JR | Buy | 99 | — | — |
| 2026-04-30 | Chappell Robert W | Buy | 99 | — | — |
| 2026-04-30 | Freeman Thomas E. | Buy | 99 | — | — |
| 2026-04-30 | KUNES CHRISTOPHER W | Buy | 99 | — | — |
| 2026-04-30 | LANDY R JOSEPH | Buy | 99 | — | — |
| 2026-04-30 | DePaola Rinaldo A | Buy | 99 | — | — |
| 2026-04-30 | OSBORNE TERRY B | Buy | 99 | — | — |
| 2026-04-30 | JONES MICKEY L | Buy | 99 | — | — |
| 2026-04-30 | GRAHAM ROGER C JR | Buy | 99 | — | — |
| 2026-03-19 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2026-03-06 | Painter John P II | Buy | 675 | $61.00 | 41.17K |
| 2026-02-27 | Guillaume Stephen J | Buy | 13 | $57.06 | 742 |
| 2026-01-12 | BOWER JOSEPH B JR | Other | 0 | — | — |
| 2026-01-12 | LANDY R JOSEPH | Sell | 40 | — | — |
| 2025-12-22 | Gephart LeeAnn | Buy | 172 | — | — |
| 2025-12-22 | BLACK RANDALL E | Buy | 1.55K | — | — |
| 2025-12-15 | LANDY R JOSEPH | Buy | 96 | — | — |
| 2025-12-15 | DePaola Rinaldo A | Buy | 96 | — | — |
| 2025-12-15 | Chappell Robert W | Buy | 96 | — | — |
| 2025-12-15 | Hilfiger Janie M | Buy | 96 | — | — |
| 2025-12-15 | Painter John P II | Buy | 96 | — | — |
| 2025-12-15 | Freeman Thomas E. | Buy | 96 | — | — |
| 2025-12-15 | KUNES CHRISTOPHER W | Buy | 96 | — | — |
| 2025-12-15 | OSBORNE TERRY B | Buy | 96 | — | — |
| 2025-12-15 | JONES MICKEY L | Buy | 96 | — | — |
| 2025-12-15 | GRAHAM ROGER C JR | Buy | 96 | — | — |
| 2025-12-05 | LANDY R JOSEPH | Sell | 266 | — | — |
| 2025-11-28 | Guillaume Stephen J | Buy | 16 | $53.10 | 850 |
| 2025-11-04 | BLACK RANDALL E | Buy | 22 | $54.25 | 1.19K |
| 2025-11-03 | BLACK RANDALL E | Buy | 200 | $54.25 | 10.85K |
| 2025-11-03 | BLACK RANDALL E | Buy | 278 | $54.00 | 15.01K |
| 2025-10-08 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2025-10-02 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2025-09-29 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2025-09-23 | JONES MICKEY L | Buy | 46 | — | — |
| 2025-09-15 | DePaola Rinaldo A | Buy | 94 | — | — |
| 2025-09-15 | LANDY R JOSEPH | Buy | 94 | — | — |
| 2025-09-15 | Chappell Robert W | Buy | 94 | — | — |
| 2025-09-15 | Freeman Thomas E. | Buy | 94 | — | — |
| 2025-09-15 | KUNES CHRISTOPHER W | Buy | 94 | — | — |
| 2025-09-15 | Hilfiger Janie M | Buy | 94 | — | — |
| 2025-09-15 | Painter John P II | Buy | 94 | — | — |
| 2025-09-15 | OSBORNE TERRY B | Buy | 94 | — | — |
| 2025-09-15 | GRAHAM ROGER C JR | Buy | 94 | — | — |
| 2025-09-15 | JONES MICKEY L | Buy | 94 | — | — |
| 2025-08-31 | Guillaume Stephen J | Buy | 13 | $56.96 | 740 |
| 2025-08-22 | Freeman Thomas E. | Sell | 3.00K | $60.00 | 180.00K |
| 2025-08-04 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2025-07-08 | Gephart LeeAnn | Sell | 14 | $59.64 | 835 |
| 2025-06-30 | LANDY R JOSEPH | Sell | 20 | — | — |
| 2025-06-27 | LANDY R JOSEPH | Buy | 270 | $60.42 | 16.33K |
| 2025-06-27 | KOSA E GENE | Buy | 69 | $60.42 | 4.17K |
| 2025-06-27 | Chappell Robert W | Buy | 120 | $60.42 | 7.26K |
| 2025-06-27 | OSBORNE TERRY B | Buy | 126 | $60.42 | 7.61K |
| 2025-06-27 | BLACK RANDALL E | Buy | 429 | $60.42 | 25.92K |
| 2025-06-27 | BLACK RANDALL E | Buy | 3 | $60.42 | 181 |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 90, holders +3 vs prior quarter. Ownership 31.68%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| BLACKROCK, INC. | 354.55K | 23.26K | +7.02% | 25.68M |
| VANGUARD CAPITAL MANAGEMENT LLC | 200.79K | -912 | -0.45% | 14.55M |
| GEODE CAPITAL MANAGEMENT, LLC | 119.81K | 7.35K | +6.53% | 8.68M |
| CITIZENS & NORTHERN CORP | 117.06K | 0 | 0.00% | 8.48M |
| STATE STREET CORP | 92.83K | -1.09K | -1.17% | 6.72M |
| HUDOCK, INC. | 78.09K | 37.30K | +91.46% | 5.66M |
| AMERICAN CENTURY COMPANIES INC | 44.11K | -78 | -0.18% | 3.20M |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 38.70K | 38.70K | New | 2.80M |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 38.70K | 1.08K | +2.87% | 2.80M |
| NORTHERN TRUST CORP | 37.37K | 283 | +0.76% | 2.71M |
| VANGUARD FIDUCIARY TRUST CO | 32.19K | 1.65K | +5.39% | 2.33M |
| DIMENSIONAL FUND ADVISORS LP | 31.64K | 3.05K | +10.66% | 2.29M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 31.31K | 5.20K | +19.91% | 2.27M |
| SEGALL BRYANT & HAMILL, LLC | 20.70K | 0 | 0.00% | 1.50M |
| DE LISLE PARTNERS LLP | 20.52K | 0 | 0.00% | 1.48M |
| QUANTINNO CAPITAL MANAGEMENT LP | 20.40K | 6.54K | +47.25% | 1.48M |
| CYNDEO WEALTH PARTNERS, LLC | 16.38K | 88 | +0.54% | 1.19M |
| BANK OF NEW YORK MELLON CORP | 16.38K | 913 | +5.90% | 1.19M |
| GOLDMAN SACHS GROUP INC | 11.98K | -5.62K | -31.91% | 867.98K |
| LAWOOD & CO | 10.73K | 0 | 0.00% | 776.99K |
| STRS OHIO | 9.80K | 3.40K | +53.12% | 709.91K |
| TREXQUANT INVESTMENT LP | 9.64K | -247 | -2.50% | 698.54K |
| AQR CAPITAL MANAGEMENT LLC | 9.40K | 5.59K | +146.59% | 680.94K |
| MARSHALL WACE, LLP | 9.11K | -9.07K | -49.89% | 659.78K |
| WELLS FARGO & COMPANY/MN | 8.15K | 2.18K | +36.47% | 590.60K |
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