# Citizens Financial Services, Inc. (CZFS): MoatMap facts

As of 13 Nov 2026. Research data, not investment advice.

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).

- MoatMap Score: 83/100, a percentile across 25,000+ stocks in 38 markets (100 is best).
- Quality 59, Value 54, Momentum 68: each a 0-100 percentile within Financial Services.
- Position: #4,517 overall, #289 in Financial Services.
- Listing: United States, NCM; Financial Services / Banks - Regional.
- Last close: 85.48 USD on 12 Nov 2026.
- Insider filings, last 180 days: directors bought USD 17K; directors sold USD 5K.
- Buybacks, last 180 days: the company bought back USD 288K on 2 days.

Source: https://moatmap.ai/stock/CZFS
How the scores work: https://moatmap.ai/methodology
Does the score work? Each tenth of the ranking is tracked monthly: https://moatmap.ai/decile-tracker