Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CZFS
Strong BuyFull HouseFLAGCitizens Financial Services, Inc. · Financial Services · United States · $390M · Avg Vol: $3M/d
Citizens Financial Services is a small Pennsylvania community bank with weak quality (Q57) reflecting deposit cost pressure, and the insider selling recorded is immaterial in value. Nothing adverse is known on accounting, solvency or governance, and there is no supportive filings evidence. The default applies.
COMPANY DESCRIPTION
Citizens Financial Services, Inc. is the bank holding company for First Citizens Community Bank, providing a full range of banking, trust, and investment services. The company's competitive moat is built on its deep-rooted community relationships, localized underwriting, and a stable, low-cost deposit franchise across Pennsylvania, New York, and Delaware. It operates as a conservative, well-capitalized regional bank focused on agricultural, commercial, and consumer lending.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 81.9M | 91.9M | 100.8M | 112.3M | 11.1% | 114.8M | — | — | — |
| EPS | 7.10 | 3.98 | 5.80 | 7.62 | 2.4% | 8.55 | 8.72 | 8.81 | 7.5% |
| Shares | 4.1M | 4.8M | 4.8M | 4.8M | +17.5% | 4.8M | — | — | — |
| Debt | 257.3M | 284.0M | 280.4M | 294.0M | 4.5% | 398.0M | — | — | — |
| Equity | 200.1M | 279.7M | 299.7M | 338.1M | 19.1% | — | — | — | — |
| Op CF | 33.2M | 26.5M | 33.2M | 36.5M | 3.2% | 37.5M | — | — | — |
| Inv CF | -362.5M | 59.5M | -69.1M | -40.1M | — | — | — | — | — |
| Fin CF | 182.6M | -59.4M | 25.3M | -4.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CZFS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CZFS | Citizens Financial Services, Inc.(you) | $390M | 90 | Strong Buy |
| FNLC | The First Bancorp, Inc. | $392M | 89 | Strong Buy |
| FDBC | Fidelity D & D Bancorp, Inc. | $312M | 90 | Strong Buy |
| FRST | Primis Financial Corp. | $397M | 84 | Strong Buy |
| PBAM | Private Bancorp of America, Inc. | $508M | 89 | Strong Buy |
| PKBK | Parke Bancorp, Inc. | $400M | 96 | Strong Buy |
| NWFL | Norwood Financial Corp. | $372M | 81 | Strong Buy |
| FMAO | Farmers & Merchants Bancorp, Inc. | $472M | 84 | Strong Buy |
| MVBF | MVB Financial Corp. | $394M | 80 | Buy |
| HWBK | Hawthorn Bancshares, Inc. | $270M | 87 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%