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CZFS · Citizens Financial Services Inc

Track CZFS — free
$81.35 -0.29 (-0.36%) At close · Sep 18
Market Cap
$395.42M
Shares
4.81M

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$81.35 Open$80.66 Day$80.01–81.95 52W close$53.18–83.67 Avg vol 30d37K Short int75K · 1.6% float · 2.0d Short vol55% DataJan 2020–Sep 2026 Filing10-Q · Aug 6

Up next

filed Aug 6, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$9.86M
Trailing 12 months
Net income (TTM)
$41.05M
Trailing 12 months
Revenue growth YoY
+3.2%
Year over year
Operating margin
Trailing 12 months
P / E (TTM)
9.5
Trailing earnings · reciprocal yield 10.5%
FCF yield
9.3%
TTM · current market cap
Return on invested capital
Trailing 12 months
Net cash
$39.43M
Latest balance sheet
Dividend yield
2.5%
Trailing 12 months
Shares change YoY
+0.0%
Year over year · more shares
Price change (1Y)
+32.2%
Trailing year
Short interest
1.6%
Latest settlement · 2.0 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate
Market backdrop VIX 14.8 · calm Equity put/call 0.52
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +21%
above
Price vs 50-day avg +3%
above
RSI (14) 51
neutral
MACD trend Negative
52-week position 92%
near high
Momentum
relative strength
Very Strong
1-month return +1%
trailing
6-month return +35%
trailing
YTD return +43%
this year
Relative strength +15%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $79 › 200d $67 — 50d above 200d
Institutional flow Flat
0% holders QoQ · +5 funds added
Insider flow Accumulating
Net +$11.7K over 90 days · 33% sells
Short interest Rising
1.55% of float · ▲ +3.3% MoM · 2.0 days cover
Volume signal Reversal watch
High volume on a down day — possible exhaustion
Institution breadth Multi-yr high
87 holders — near 3-yr high, broad support
Squeeze score 52
elevated · 0–100
Fundamentals
Strong
Revenue growth +3%
Y/Y
EPS growth +32%
Y/Y
Valuation P/E 9.6
below peers
Balance sheet $275.2M
net debt
Quant / Vol
risk profile
Moderate
Volatility 34%
annualized · 1-yr
Max drawdown −18%
past year
ATR 2.9%
of price · 14-day

Blended 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 Buy
1 · 2 · 3
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+21% Bullish
Price vs 50-day avg
+3% Bullish
RSI (14)
51 Neutral
MACD trend
Negative Bearish
52-week position
92% Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross) No cross
50d $79 › 200d $67 — 50d above 200d
Institutional flow Flat
0% holders QoQ · +5 funds added
Insider flow Accumulating
Net +$11.7K over 90 days · 33% sells
Short interest Rising
1.55% of float · ▲ +3.3% MoM · 2.0 days cover
Volume signal Reversal watch
High volume on a down day — possible exhaustion
Institution breadth Multi-yr high
87 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $53 Now $81 · 92% Range high $84
vs 200-day avg +21% vs 50-day avg +3%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.

Versus peers

Banks - Regional — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
CZFS
Citizens Financial Services Inc
this stock
$395.42M +42.7% +2.8% 9.6 1.6%
MFG
Mizuho Financial Group Inc
$132.41B +49.5% 0.1%
HDB
Hdfc Bank Ltd
$116.45B -36.6% -3.2% 0.7%
CIXPF
CaixaBank/ADR
$107.26B +26.7% 0.1%
IBN
Icici Bank Ltd
$101.13B -5.5% 0.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
87
% held
30.8%
Net QoQ
+79.8K sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
136
View
Short & Settlement
Short Interest Rising
Shares short
74.6K
Days to cover
2.0d
Change
+2.4K sh
View
Short Volume
Short vol %
55%
As of
Sep 18, 2026
Short Total
View
Fails to Deliver
FTD shares
1
Value
$83
As of
Aug 13, 2026
View
Off-Exchange
Off-exchange %
25.8%
Week of
Aug 10, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net buying
Net (90d)
+$11.7K
Buyers / Sellers
2 / 1
Buyers Sellers
View
Financials
Financials
Revenue (FY)
$9.9M
Net income (FY)
$36.6M
EPS diluted
$7.62
View
Filings
SEC Filings
Latest
10-Q
Filed
Aug 6, 2026
This year
14
View
Proposed Sales
Value
$180.9K
Shares
3.9K
Filed
Oct 5, 2023
View
Exempt Offerings
Offering
$10.0M
Filed
Apr 26, 2021
View

Performance

5D 20D 120D MTD YTD
CZFS -1.1% +1.1% +34.9% +1.3% +42.7%
SPY -0.3% -0.1% +20.1% -0.7% +11.7%
vs SPY -0.7% +1.3% +14.8% +2.0% +31.0%

Capital returns

Latest dividend
$0.51 / share · ex Sep 11, 2026
Raised 2%
Paid (TTM)
$2.02 / share · 4 payouts
Dividend yield (TTM, derived)
2.48%

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.

Key facts CIK 739421 CUSIP 174615104 13F (30d) 2 filings 2 filers Visit website Investor relations