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Citizens Financial Services Inc

NASDAQ • Financial Services • Banks - Regional • Quote as of 10/30/2026
Citizens Financial Services Inc stock price and volume chart

Company Profile

IndustryBanks - Regional
SectorFinancial Services
ExchangeNASDAQ
Market Capitalization410.59 mln
Float4.48 mln
Earnings Date10/30/2026

EPS

8.55
Strong

P / E

9.98
Undervalued

Piotroski F-Score

6 / 9
Solid

Relative Strength

86 / 100
Strongly outperforming

Debt / Equity

1.12
Elevated leverage

Pre-Tax Margin

43%
Very strong margin

Business Description

Founded in 1984 and based in Mansfield, Pennsylvania, Citizens Financial Services Inc. is a bank holding company serving individuals, businesses, and government and institutional clients. It offers a broad range of financial products, including deposit accounts, loans across residential, commercial, and agricultural sectors, and trust and investment management services. Customers can also access brokerage, financial planning, insurance, and annuity products, as well as support with oil and gas leasing matters.

Key Fundamentals

EPS8.55
P/E9.98
ROE12.25
RPS24.84
ROIC1.68
ROA1.34
Interest Cover0.65
EBITDA, mln64.90
EV / EBITDA11.78
EV / EBIT12.21
Revenue, mln118
EV / Revenue6.50

Quote Details

Last 85.35
Change 0.45 (0.53%)
Open 85.00
Volume 89,484
Turnover 7,637,460
Average Volume 36,416

Financial Ratios

Pre-Tax Profit Margin43
Leverage Ratio9.72
Price / Book1.16
Price / Tangible Book1.55
Price / Cash Flow10.92
Price / Free Cash Flow13.80
Debt / Equity1.12
Price / Sales3.48
PEG Ratio1.23

Financial Strength

Piotroski F-Score 6 / 9
Price to Intrinsic Value0.70
Price to Lynch Fair Value1.09
Price to Graham Number0.83
Shiller PE Ratio12.64
Short Ratio1.87
Short % of Float1.54

Price Performance & Relative Strength

Period Price Performance Relative Strength
1 Week 0.92% 66 / 100   
1 Month 7.85% 83 / 100   
2 Months 13.03% 82 / 100   
6 Months 41.1% 91 / 100   
1 Year 64.1% 87 / 100   



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