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About the company
Citizens Financial Services, Inc. is the holding company for First Citizens Community Bank (the Bank). The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. It is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.
- Revenue in USD (TTM)159.17m
- Net income in USD36.57m
- Incorporated1983
- Employees410.00
- LocationCitizens Financial Services Inc15 S MAIN STMANSFIELD 16933United StatesUSA
- Phone+1 (570) 662-0444
- Fax+1 (570) 662-3278
- Websitehttps://www.firstcitizensbank.com/about-us/investor-relations/corporate-profile.html
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Oak Valley Bancorp | 84.51m | 23.91m | 279.83m | 238.00 | 11.57 | -- | 15.07 | 3.42 | 2.88 | 2.88 | 9.86 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 29.26 | 32.98 | -- | -- | -- | -- | -9.99 | 10.10 | -4.15 | 11.81 | -- | 16.47 |
| Middlefield Banc Corp | 105.76m | 21.16m | 283.20m | 246.00 | 13.42 | 1.26 | -- | 3.73 | 2.61 | 2.61 | 9.36 | 27.71 | -- | -- | -- | -- | 1.10 | 0.9746 | -- | -- | -- | -- | 27.87 | 25.06 | -- | -- | -- | 35.59 | 12.14 | 13.18 | -10.65 | 4.07 | -16.37 | 7.01 |
| FVCBankcorp Inc | 104.74m | 22.06m | 285.78m | 110.00 | 13.20 | 1.13 | 17.14 | 4.24 | 1.21 | 1.21 | 3.69 | 14.15 | -- | -- | -- | -- | 0.9823 | 0.7992 | -- | -- | -- | -- | 32.72 | 29.59 | -- | -- | -- | -- | -43.72 | -1.01 | 46.42 | 7.31 | -- | -- |
| Western New England Bancorp Inc | 118.62m | 15.27m | 288.27m | 286.00 | 18.80 | 1.16 | 24.13 | 3.60 | 0.7525 | 0.7525 | 3.94 | 12.16 | -- | -- | -- | -- | 0.5666 | 0.7122 | -- | -- | -- | -- | 19.06 | 22.47 | -- | -- | -- | 30.00 | 8.00 | 7.44 | 30.88 | 6.37 | -- | 6.96 |
| Cashmere Valley Bank | 100.38m | 29.23m | 288.77m | -- | 9.89 | 1.06 | -- | 3.20 | 7.47 | 7.47 | 23.09 | 69.43 | -- | -- | -- | -- | 1.34 | 1.33 | -- | -- | -- | -- | 32.53 | 35.15 | -- | -- | -- | 26.32 | 6.86 | 13.36 | 3.79 | 2.75 | -- | -- |
| Blue Foundry Bancorp | 92.07m | -9.20m | 301.87m | 184.00 | -- | 0.9602 | -- | 6.61 | -0.4557 | -0.4557 | 2.27 | 15.14 | -- | -- | -- | -- | -0.4372 | -0.856 | -- | -- | -- | -- | -20.15 | -37.96 | -- | -- | -- | -- | 8.02 | 5.68 | -61.02 | -- | -42.38 | -- |
| Coastalsouth Bancshares Inc | 129.26m | 24.89m | 304.30m | 53.00 | 11.76 | 1.17 | 41.98 | 2.35 | 2.16 | 2.16 | 11.25 | 21.66 | 0.0587 | -- | -- | -- | 1.13 | 1.09 | 8.54 | 7.93 | -- | -- | 19.26 | 21.29 | -- | 1.58 | 0.886 | -- | 5.95 | 26.51 | 13.64 | 31.34 | -- | -- |
| FS Bancorp Inc | -100.00bn | -100.00bn | 308.62m | 580.00 | -- | 1.02 | -- | -- | -- | -- | -- | 40.83 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Chemung Financial Corp | -100.00bn | -100.00bn | 312.59m | 343.00 | -- | 1.23 | -- | -- | -- | -- | -- | 52.97 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Citizens Financial Services Inc | 159.17m | 36.57m | 314.21m | 410.00 | 8.58 | 0.9295 | 11.42 | 2.80 | 7.62 | 7.62 | 23.41 | 70.32 | -- | -- | -- | -- | 1.20 | 1.08 | -- | -- | -- | -- | 32.55 | 30.10 | -- | -- | -- | -- | 3.14 | 17.76 | 31.47 | 7.82 | -- | -- |
| Waterstone Financial Inc | 116.11m | 26.40m | 324.05m | 600.00 | 11.89 | 0.9275 | 15.77 | 2.28 | 1.48 | 1.48 | 7.94 | 19.03 | -- | -- | -- | -- | 1.18 | 1.33 | -- | -- | -- | -- | 18.60 | 17.44 | -- | -- | -- | 54.48 | 2.60 | 8.15 | 41.28 | -20.11 | -- | 4.56 |
| PCB Bancorp | -100.00bn | -100.00bn | 333.56m | 270.00 | -- | 1.04 | -- | -- | -- | -- | -- | 27.41 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Avidbank Holdings Inc | -100.00bn | -100.00bn | 336.43m | 143.00 | -- | 1.23 | -- | -- | -- | -- | -- | 25.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13.97 | -- | 25.08 | -- | -- | -- |
| Northeast Community Bancorp Inc | 154.12m | 44.41m | 343.78m | 136.00 | 7.54 | 0.9775 | 9.97 | 3.28 | 3.26 | 3.26 | 7.70 | 25.19 | -- | -- | -- | -- | 2.18 | 2.20 | -- | -- | -- | -- | 42.37 | 41.30 | -- | -- | -- | 14.99 | -3.68 | 25.77 | -5.65 | 29.22 | -- | 62.19 |
| USCB Financial Holdings Inc | 145.49m | 26.10m | 359.31m | 199.00 | 15.18 | -- | 14.26 | 3.98 | 1.30 | 1.30 | 4.58 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28.93 | 29.26 | -- | -- | -- | -- | 10.86 | 22.55 | 5.78 | 27.68 | -- | -- |
| Commercial BancGroup Inc | -100.00bn | -100.00bn | 362.04m | 195.00 | -- | 1.32 | -- | -- | -- | -- | -- | 20.03 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 20.05 | -- | 2.34 | -- | -- | -- |
Data as of Feb 10 2026. Currency figures normalised to Citizens Financial Services Inc's reporting currency: US Dollar USD
20.98%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 287.90k | 5.99% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 221.01k | 4.60% |
| Citizens & Northern Investment Managementas of 31 Dec 2025 | 117.06k | 2.44% |
| Geode Capital Management LLCas of 30 Sep 2025 | 109.48k | 2.28% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 99.75k | 2.08% |
| Hudock, Inc.as of 30 Sep 2025 | 40.27k | 0.84% |
| Charles Schwab Investment Management, Inc.as of 30 Sep 2025 | 39.03k | 0.81% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Sep 2025 | 35.26k | 0.73% |
| Vanguard Fiduciary Trust Co.as of 31 Dec 2025 | 30.60k | 0.64% |
| American Century Investment Management, Inc.as of 30 Sep 2025 | 27.91k | 0.58% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
