Citizens Financial Services, Inc. (CZFS)

Citizens Financial Services, Inc. reported its first-quarter 2026 financial results on April 29, 2026, with diluted EPS of $2.16, surpassing estimates. Net income increased by 36.2% year-over-year, driven by higher net interest income. A quarterly cash dividend of $0.495 per share and a 1% stock dividend were declared on June 3, 2025. The stock price has increased by 11.9% year-to-date and 15.00% in the past month as of April 20, 2026. Non-performing assets increased to $40.1 million in the first quarter of 2026, and the company experienced seasonal decreases in student loans and municipal deposits.

Citizens Financial Services, Inc. experiences seasonal decreases in student loans and municipal deposits. To offset the decrease in municipal deposits, the company has increased its brokered deposits.

Citizens Financial Services, Inc. operates in the finance and insurance sector, specifically in commercial banking. It offers deposit accounts like checking, savings, and time deposits, as well as loans including residential, commercial, and agricultural real estate loans. Additionally, it provides trust administration, investment management, estate planning, custody of securities, retirement accounts, brokerage, financial planning, mutual funds, annuities, and insurance products.

Citizens Financial Services, Inc. is headquartered in Mansfield, Pennsylvania, and operates primarily through First Citizens Community Bank. The bank serves customers from 44 locations across Pennsylvania, Delaware, New Jersey, and New York.

Citizens Financial Services, Inc. has maintained a generally positive brand reputation among analysts, receiving a consensus rating of "Moderate Buy". MarketBeat's MarketRank™ score indicates that Citizens Financial Services scored higher than 66% of companies evaluated in the finance sector. Zacks Research lowered its rating to "hold" in February 2026, while Weiss Ratings upgraded the company to a "buy" rating in April 2026.

Citizens Financial Services, Inc. has a diverse ownership structure, with 28.40% held by institutional shareholders, 16.10% by insiders, and 55.50% by retail investors. Major institutional owners include BlackRock, Inc. and Vanguard Group Inc. R. Lowell Coolidge is the largest individual shareholder, owning 4.78% of the company.