CITIZENS FINANCIAL SERVICES, INC. (CZFS)
Financial Services › State Commercial Banks
Price History
Feb 9, 2026 — Apr 4, 2026Investment Snapshot
- Trading 43% below Graham Number ($105.20) — significant margin of safety
- Piotroski F-Score 5/9 — moderate financial health
- ROE of 9.9% — below-average profitability
- Dividend yield of 3.3%
CITIZENS FINANCIAL SERVICES, INC. (CZFS) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $289 million . Key value metrics: P/E ratio 8.6, P/B ratio 0.86, Piotroski F-Score 5 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
CITIZENS FINANCIAL SERVICES, INC. — Fundamental Analysis Summary
CITIZENS FINANCIAL SERVICES, INC. (CZFS) is trading 43% below its Graham Number of $105.20 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 8.6x.
On financial health, CZFS shows a moderate Piotroski F-Score of 5/9, and modest return on equity of 9.9% (sector average: 5.8%), and manageable leverage with a debt-to-equity ratio of 0.92.
StockPik's composite Value Score for CZFS is 90/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
CZFS shows revenue growing at 3% year-over-year, with earnings growing at 31%.
CZFS pays a solid dividend yield of 3.3%.