Stock Ratings / Financials / CZFS / dividends

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Citizens Financial Services Inc. (CZFS) Dividend Safety Gauge & 10-Year DRIP Compounder

$84.90 +1.26% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Citizens Financial Services Inc. (CZFS) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $408.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CZFS)Realized 20D OHLCV Swing Band: ±5.3%

CASH DIVIDEND + BUYBACK YIELD

4.14% Total Yield

2.34% Cash ($1.99/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

17% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.6% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,803

Est. Year-10 Shareholder Yield: $861/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.5K

Yr 3

$13.4K

Yr 4

$14.4K

Yr 5

$15.5K

Yr 6

$16.7K

Yr 7

$18.0K

Yr 8

$19.3K

Yr 9

$20.8K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CZFS & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CZFS and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CZFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +34.42%📐 HORIZONTAL RANGE

2026-10-30O $85.00H $88.20L $84.65C $84.90VOL 90.9K

RES: $96.43SUP: $76.17SMA50: $81.12SMA200: $70.73

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CZFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CZFS Butterfly Map → + Track CZFS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.1%/yr Implied 5Y Growth

vs. +2.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CZFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CZFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CZFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CZFS)

Financials Rank #359 of 1096 ⚔️ PCB vs CZFS Full Matrix →

1. Head-to-Head Financials Peer Comparison (CZFS vs. PCB, FCBM, FNLC, GBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Citizens Financial Services Inc. (CZFS) ranks #359 by composite RQD confidence (64/100, grade C) and #743 by equity capitalization ($408.4M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CZFS at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CZFS ACTIVE Citizens Financial Services Inc.	C	64/100	11.2x	—	10.8%	+1.26%	$408.4M	Benchmark Subject
PCB PCB Bancorp	C+	67/100	10.9x	—	9.6%	+0.45%	$408.7M	/pcb-vs-czfs →
FCBM First Carolina Financial Services Inc.	D	50/100	—	—	—	+0.61%	$407.3M	/fcbm-vs-czfs →
FNLC First Bancorp Inc (ME)	C+	69/100	12.0x	—	12.1%	+0.77%	$412.5M	/fnlc-vs-czfs →
GBC Georgia Banking Company Inc.	C-	59/100	—	—	—	0.00%	$395.8M	/gbc-vs-czfs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000739421

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens Financial Services Inc. (CZFS) reported GAAP revenue of $9.9M (+2.8% vs. FY2024 revenue of $9.6M , and +10.1% cumulative change since FY2023) , GAAP net income of $36.6M, operating cash flow of $36.5M, and free cash flow of $36.5M (+10.1% YoY). On the balance sheet, CZFS closed FY2025 with $3.06B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$9.9M	$36.6M	$36.5M	$36.5M	$3.06B	—
FY2024 (FY)	2024-12-31	$9.6M	$27.8M	$33.2M	$33.2M	$3.03B	—
FY2023 (FY)	2023-12-31	$9.0M	$17.8M	$26.5M	$26.5M	—	—

3. CZFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CZFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Citizens Financial Services Inc. (NASDAQ: CZFS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $84.90 (+1.26% 1D, market cap $408.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CZFS ranks #359 in composite RQD confidence.

How does CZFS compare to PCB and FCBM in the Financials sector?

Within the Financials sector (Major Banks), CZFS carries a Roarable C (64/100 RQD), trailing P/E of 11.2x, gross margin of —, and ROIC of 10.8%. By comparison, PCB (PCB Bancorp) holds a C+ grade (67/100 RQD, P/E 10.9x, ROIC 9.6%, cap $408.7M) and FCBM (First Carolina Financial Services Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $407.3M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CZFS?

Per CZFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000739421), Citizens Financial Services Inc. generated $9.9M in revenue (+2.8% YoY), $36.6M in net income, and $36.5M in free cash flow against $3.06B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CZFS trading relative to its 50-day, 200-day, and 52-week technical levels?

CZFS last traded at $84.90 (+1.26% on volume of 45,509 shares), positioning the stock +4.66% above its 50-day simple moving average ($81.12) and +20.03% above its 200-day simple moving average ($70.73). Across its 52-week range of $53.14 to $88.20, CZFS sits at the 90.6% percentile with a 14-day RSI of 66.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($80.40 to $89.40).

CZFS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CZFS pay a dividend and is it safe?

Citizens Financial Services Inc. (CZFS) offers a 2.34% cash dividend yield ($1.99 annualized) and 4.14% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: CZFS RQD Cockpit CZFS 12M Forecast CZFS Earnings & Move CZFS Dividends & DRIP CZFS Insiders & 13F CZFS Whale Options CZFS Profit Sankey CZFS News & Why