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CZFS · Citizens Financial Services Inc

Track CZFS — free
$79.80 +0.34 (+0.43%)
Market Cap
$378.78M
Shares
4.81M
Volume · Oct 8 17.24K Avg daily vol (3M) 34.6K

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$79.46 Open$78.35 Day$78.35–80.48 52W close$53.18–83.67 Avg vol 30d36K Short int76K · 1.6% float · 2.2d Short vol38% DataJan 2020–Oct 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)
9.2
Trailing earnings · reciprocal yield 10.8%
FCF yield
9.6%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$39.43M
Latest balance sheet
Dividend yield
2.6%
Trailing 12 months
Shares change YoY
+0.0%
Year over year · more shares
Price change (1Y)
+40.5%
Trailing year
Short interest
1.6%
Latest settlement · 2.2 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Buy Momentum Strong Sentiment Bullish Fundamentals Strong Quant / Vol Low
Market backdrop VIX 15.4 · calm Equity put/call 0.62
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +15%
above
Price vs 50-day avg −2%
below
RSI (14) 47
neutral
MACD trend Negative
52-week position 86%
near high
Volume (OBV) Bullish div.
accumulating
Momentum
relative strength
Strong
1-month return −4%
trailing
6-month return +16%
trailing
YTD return +39%
this year
Relative strength +7%
vs S&P · 6-mo
Sentiment
smart money
Bullish
Trend (MA cross) No cross
50d $81 › 200d $69 — 50d above 200d
Institutional flow Accumulating
3 of 87 funds reported for Sep 30 · net +81 sh shares
Insider flow Accumulating
Net +$14.7K over 90 days · 0% sells
Short interest Rising
1.58% of float · ▲ +1.8% MoM · 2.2 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
87 holders — near 3-yr high, broad support
Squeeze score 44
elevated · 0–100
Fundamentals
Strong
Revenue growth +3%
Y/Y
EPS growth +32%
Y/Y
Valuation P/E 9.2
below peers
Balance sheet $275.2M
net debt
Quant / Vol
risk profile
Low
Volatility 34%
annualized · 1-yr
Max drawdown −14%
past year
ATR 2.6%
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 · 3 · 3
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+15% Bullish
Price vs 50-day avg
−2% Neutral
RSI (14)
47 Neutral
MACD trend
Negative Bearish
52-week position
86% Bullish
Volume (OBV)
Bullish div. Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross) No cross
50d $81 › 200d $69 — 50d above 200d
Institutional flow Accumulating
3 of 87 funds reported for Sep 30 · net +81 sh shares
Insider flow Accumulating
Net +$14.7K over 90 days · 0% sells
Short interest Rising
1.58% of float · ▲ +1.8% MoM · 2.2 days cover
Volume signal Normal
Volume near normal
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 $79 · 86% Range high $84
vs 200-day avg +15% vs 50-day avg -2%

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
$378.78M +39.4% +2.8% 9.2 1.6%
MFG
Mizuho Financial Group Inc
$129.14B +45.8% — — 0.1%
HDB
Hdfc Bank Ltd
$113.12B -39.8% -3.2% — 0.7%
ITUB
Itau Unibanco Holding S.A.
$108.34B +37.3% — — 0.2%
IBN
Icici Bank Ltd
$100.14B -6.4% — — 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%
Reported
3 of 87
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
136
View
Short & Settlement
Short Interest Rising
Shares short
75.9K
Days to cover
2.2d
Change
+1.3K sh
View
Short Volume
Short vol %
38%
As of
Oct 8, 2026
Short Total
View
Fails to Deliver
FTD shares
149
Value
$12.4K
As of
Sep 11, 2026
View
Off-Exchange
Off-exchange %
31.1%
Week of
Aug 31, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net buying
Net (90d)
+$14.7K
Buyers / Sellers
2 / 0
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 +0.4% -4.4% +16.3% +1.1% +39.4%
SPY +1.3% +2.1% +9.0% +1.5% +13.5%
vs SPY -0.9% -6.5% +7.3% -0.4% +25.9%

Capital returns

Latest dividend
$0.51 / share · ex Sep 11, 2026
Raised 2%
Paid (TTM)
$2.02 / share · 4 payouts
Dividend yield (TTM, derived)
2.54%

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) 4 filings 4 filers Visit website Investor relations