CZFS · Citizens Financial Services Inc
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Jun 14, 2024; bars on opposite sides are not compared.
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Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized net (recoveries) charge-offs to total loans | -0.01% | Three Months Ended June 30, 2026 | — |
| Annualized Return on Average Assets, Excluding AOCL - Non-GAAP non-GAAP | 1.33% | Six Months Ended June 30 | — |
| Annualized Return on Average Stockholders' Equity, Excluding AOCL - Non-GAAP non-GAAP | 11.42% | Six Months Ended June 30 | — |
| Average Full Time Equivalent Employees | 388.9 | Six Months Ended June 30, 2026 | — |
| Loan to deposit ratio | 100.02% | As of June 30, 2026 | — |
| Net interest income (fully taxable equivalent) - Non-GAAP non-GAAP | 52.62M | Six Months Ended June 30 | — |
| Net interest income as a percentage of average interest-earning assets | 3.69% | Six Months Ended June 30 | — |
| Net interest margin (tax equivalent) non-GAAP | 3.69% | Six Months Ended June 30, 2026 | — |
| Non-performing assets to total loans | 1.81% | As of June 30, 2026 | — |
| Ratio of interest-earning assets to interest-bearing liabilities | 124% | Six Months Ended June 30 | — |
| Return on average tangible equity (annualized) non-GAAP | 15.84% | Six Months Ended June 30, 2026 | — |
| Stockholders' equity excluding AOCL non-GAAP | $366.2M | As of June 30, 2026 | — |
| Tangible Book value per share - Non-GAAP non-GAAP | $55.13 | As of June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CZFS
this stock
Citizens Financial Services Inc
|
$386.86M | +41.1% | +2.8% | 9.4 | 1.2% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on Jun 14, 2024; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CZFS | -1.6% | +12.5% | +33.9% | +3.8% | +41.1% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +0.4% | +9.2% | +22.8% | +1.7% | +29.2% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.