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Company Analysis

Citizens Financial Services, In CZFS

A comprehensive view of key metrics, scores, and financial health for Citizens Financial Services, In

Overview of Citizens Financial Services, Inc.

CZFS NCM
Financial Services Banks - Regional Micro Cap
Citizens Financial Services, Inc. (CZFS), is a Micro Cap company, in the Banks - Regional industry, last closed at $58.99, about 19.9% undervalued vs fair value, +2.2% 1Y return, ranked 597/1004 in sector.
$58.99
-1.29%
As of March 13, 2026
Previous close • Vol 90d: 35.0%
52-Week Range
Market Cap
$283.57M
Enterprise Value
$558.73M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.firstcitizensbank....
HQ Mansfield, PA
Employees 377
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$39
$71
$132
Current: $58.99 +20% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$152.8M
21.5%%
Interest Expense
$61.2M
Net Interest Income
$84.9M
7.7%%
Total Revenue
$173.2M
71.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
9.3%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.6M
34.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Citizens Financial Services, In's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
47
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
49
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CZFS's balance between Growth (34.4%), Profitability (34.3%), and Safety (31.4%). Growth 34% Safety 31% Profitability 34%

Click axes to expand details. Marker shows current allocation.

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Growth

58th percentile vs peers
59
Key Signals
Rev Growth YoY 72.0% 65p Revenue CAGR 3Y 28.4% 81p Asset Growth YoY 1.3% 27p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (28.4%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

58th percentile vs peers
59
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Citizens Financial Services, In.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$70.70
- - -
+19.9% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
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