CZFS
Citizens Financial Services IncPrice & Indicators
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 Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Loan to deposit ratio | 94.14% | Q1 2026 | — |
| Non-performing assets | $40,103,000 | Q1 2026 | — |
| Non-performing assets as a percent of loans | 1.74% | Q1 2026 | — |
| Tax effected net interest margin | 3.72% | Q1 2026 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$349.90M | +29.8% | +2.8% | 8.9 | 0.8% |
|
HDB
Hdfc Bank Ltd
|
$134.81B | -25.8% | +15.2% | — | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$123.95B | +39.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$103.86B | -0.4% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.00B | +22.6% | +7.2% | 14.8 | 1.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CZFS | +1.8% | +12.2% | +22.7% | +0.5% | +29.8% |
| SPY | +0.9% | +1.4% | +7.6% | +0.1% | +9.7% |
| vs SPY | +0.9% | +10.9% | +15.1% | +0.4% | +20.1% |
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.