CZFS
Full HouseCitizens Financial Services, Inc. · Financial Services · United States · $407M cap · $3.0M/day traded
$85.48 -0.4% · close 12 Nov · scored 13 Nov
Full House: Strong business, sensible price, and the market agrees.
As of 13 Nov 2026, the MoatMap Score for Citizens Financial Services, Inc. (CZFS) is 83/100, ranked against 25,000+ stocks in 38 markets (Quality 59, Value 54, Momentum 68, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT CITIZENS FINANCIAL SERVICES, INC.
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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% | 119.2M | — | — | — |
| EPS | 7.10 | 3.98 | 5.80 | 7.62 | 2.4% | 8.95 | 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% | 518.0M | — | — | — |
| Equity | 200.1M | 279.7M | 299.7M | 338.1M | 19.1% | — | — | — | — |
| Op CF | 33.2M | 26.5M | 33.2M | 36.5M | 3.2% | 36.5M | — | — | — |
| Inv CF | -362.5M | 59.5M | -69.1M | -40.1M | — | — | — | — | — |
| Fin CF | 182.6M | -59.4M | 25.3M | -4.4M | — | — | — | — | — |
Above its 200-day average and 4% below its 52-week high.
Calmer than 68% of stocks we rank over the past year (volatility 32% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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 | Score |
|---|---|---|---|
| CZFS | Citizens Financial Services, Inc.(you) | $407M | 83 |
| CHMG | Chemung Financial Corporation | $404M | 84 |
| PCB | PCB Bancorp | $402M | 84 |
| FDBC | Fidelity D & D Bancorp, Inc. | $375M | 83 |
| NECB | Northeast Community Bancorp, Inc. | $382M | 82 |
| TSBK | Timberland Bancorp, Inc. | $364M | 81 |
| COFS | ChoiceOne Financial Services, Inc. | $512M | 82 |
| PDLB | Ponce Financial Group, Inc. | $499M | 81 |
| NWFL | Norwood Financial Corp. | $379M | 78 |
| PBAM | Private Bancorp of America, Inc. | $492M | 86 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.