Citizens Financial Services, Inc. (CZFS)

In the past six months, Citizens Financial Services, Inc. (CZFS) stock has experienced several notable events and performance trends. The stock gained 25.03% over the last six months and 18.44% over the last three months. Key events include a Q4 2025 earnings beat, Q3 2025 financial results showing increased net income, a 101-for-100 stock split on June 13, 2025, and insider trading activities. As of January 16, 2026, CZFS showed a 13.5% gain over a 12-week period and a 2.9% increase over the prior four weeks, indicating a sustained uptrend.

Specific information regarding the demand seasonality for Citizens Financial Services, Inc. (CZFS) products and services is not explicitly detailed in the provided search results. While one source mentions "CZFS Seasonality" in the context of displaying mean and median monthly returns for the stock to identify seasonal patterns, it does not provide data on the seasonality of demand for its banking products and services. The company's offerings, such as various deposit products, residential, commercial, and agricultural real estate loans, and other financial services, may experience general fluctuations tied to economic cycles or specific industry trends, but no explicit seasonal patterns were identified.

Citizens Financial Services, Inc. (CZFS) is a bank holding company operating through its subsidiary, First Citizens Community Bank, providing a range of banking products and services to individual, business, governmental, and institutional customers. Its offerings include deposit products, various loan types, and specialized financial services like trust administration, investment management, and brokerage services.

Citizens Financial Services, Inc. is headquartered in Mansfield, Pennsylvania, and operates 39 full-service offices, one limited branch office, and four mortgage centers. Its operations are primarily concentrated in Pennsylvania, with a presence in Wellsville, New York, and offices in Wilmington and Dover, Delaware.

Information specifically detailing the brand reputation of Citizens Financial Services, Inc. (CZFS) from a customer perspective over the past year is not readily available in the provided search results. However, financial analysis indicates a positive standing within the market. Citizens Financial Services has received a "Buy" consensus rating from analysts, with an average rating score of 3.33 based on two strong buy ratings and one hold rating. The company also scored higher than 67% of companies evaluated by MarketBeat, ranking 496th out of 902 stocks in the finance sector, suggesting a favorable reputation among financial evaluators.

Citizens Financial Services, Inc. (CZFS) has a diverse ownership structure, including institutional, individual, and retail investors. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, and Citizens & Northern Corp. Key individual insiders with significant holdings include R. Lowell Coolidge, Carol J. Tama, and Randall E. Black. Overall, institutional shareholders hold 27.00% of CZFS stock, insiders hold 16.08%, and retail investors hold 56.93%.