Citizens Financial Services, Inc. (CZFS) Stock Analysis & Investment Frameworks
Citizens Financial Services, Inc. (CZFS) stock analysis on Invetso. Review Citizens Financial Services, Inc.’s key financial metrics, company overview and 10 institutional-grade investment frameworks including SWOT Analysis, Economic Moat, Porter’s Five Forces and the Invetso Quality Score.
Citizens Financial Services, Inc. Company Overview
- Exchange: NASDAQ Capital Market
- Sector: Financial Services
- Industry: Banks - Regional
- Country: US
Citizens Financial Services, Inc. Key Financial Metrics
- Market Cap: $419.90M
- Revenue: $173.24M
- P/E Ratio: 11.49
- ROE: 12.40%
- ROIC: 6.71%
- Dividend Yield: 2.31%
About Citizens Financial Services, Inc.
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.