Citizens Financial Services, Inc. (CZFS)

In November 2024, the stock reached a new 52-week high, but by November 2025, the share price had declined. The company reported strong Q3 2025 results with asset growth and increased loans and deposits. H1 2025 results showed a significant increase in net income. Q1 2025 net income also increased due to higher net interest income. Q4 2024 net income saw an increase compared to the same period in 2023. The stock showed a strong price total return over the three months leading up to November 2024, but decreased over the last 12 months.

The demand for Citizens Financial Services, Inc.'s products and services exhibits seasonality, particularly in its student loan portfolio. This portfolio typically grows during the second half of the year and sees paydowns during the first half, aligning with the academic year.

Citizens Financial Services, Inc. operates as a bank holding company for First Citizens Community Bank, offering financial products and services to various clients. The company is in the Financials sector, specifically the Banks - Regional industry. Its services include deposit products like checking and savings accounts, loan products such as real estate and commercial loans, specialized financial services like trust administration, and brokerage and financial planning services.

Citizens Financial Services, Inc. is headquartered in Mansfield, Pennsylvania, and operates through First Citizens Community Bank. The bank has 39 full-service offices, one limited branch office, and four mortgage centers within its market areas.

Citizens Financial Services, Inc. has maintained a positive brand reputation due to strong financial performance and commitment to shareholder returns. The stock reaching a 52-week high and consistent dividend payments contribute to this perception. Strong Q3 2025 results further bolster its reputation, and no negative events impacted the company's reputation in the past year.

Citizens Financial Services, Inc. is owned by institutional shareholders, company insiders, and retail investors. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., Citizens & Northern Corp., Geode Capital Management LLC., State Street Corp., and Hudock Inc. R. Lowell Coolidge is the largest individual shareholder.