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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Citizens Financial Services Inc. (CZFS) advanced +1.26% to $84.90, trading at 91% of its 52-week range ($53.14 – $88.2). Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Citizens Financial Services (CZFS) delivered earnings and revenue surprises of +12.73% and +1.82%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
(AP) — Citizens Financial Services Inc. (CZFS) on Friday reported net income of $11.
Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three and nine months ended September 30,
Citizens Financial Servs (NASDAQ:CZFS) reported quarterly earnings of $2.48 per share which beat the analyst consensus estimate of $2.20 by 12.73 percent. This is a 18.66 percent increase over earnings of $2.09 per
Eastern Bankshares (EBC) delivered earnings and revenue surprises of +4.08% and -0.71%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes? Let's find out.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +2.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CZFS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CZFS. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why CZFS Stock advanced +1.26% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.