Citizens Financial Services (CZFS)
Runs a regional community bank across Pennsylvania, southern New York, Delaware, and New Jersey.
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Owns First Citizens Community Bank, a one-segment community bank built around deposits, lending, trust, investment, insurance, and mortgage services. Revenue is tied to loans, investments, and deposits across a regional footprint, with commercial and agricultural credit central to the loan book.
Owns and manages First Citizens Community Bank, a Pennsylvania-chartered bank and trust company. Products include checking, savings, time deposits, residential and commercial real estate loans, agricultural lending, construction and consumer loans, trust, investment, estate, insurance, cash management, and mortgage services.
Operates as one community-banking segment across north-central, central, south-central, and southeast Pennsylvania, nearby southern New York, Delaware, and Burlington County, New Jersey. The footprint grew through branch and bank acquisitions while remaining anchored in Mansfield.
Commercial real estate and agricultural credit shape the loan portfolio, and performance depends on conditions in those local markets. Holding-company cash available for dividends comes primarily from bank dividends and is subject to banking-law and regulatory limits.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $530.7M · Total debt $394.0M · Total assets $3.19B · Shareholders' equity $352.8M
- Revenue
- $43.5M
- Operating income
- $12.3M
- Net income
- $10.2M
HistoryDividendAnnual yield
| Institutions | 31.61% | 1.52M shares | |
|---|---|---|---|
| 90 holders · as of Jun 30, 2026 | |||
| Insiders | 10.50% | 505.2K shares | |
| 22 holders · as of Sep 22, 2026 | |||
| Other | 57.89% | 2.78M shares | |
| remainder | |||
4.81M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 7.37% | 354,551 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.17% | 200,789 | as of Jun 30, 2026 |
Robert M. Jones, Jr.Insider | 3.94% | 189,338 | filed Feb 10, 2021 |
Geode Capital Management, LLCInstitution | 2.49% | 119,810 | as of Jun 30, 2026 |
Citizens & Northern CorpInstitution | 2.43% | 117,063 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 31, 2026 | Stephen J. Guillaume | officer: SENIOR VICE PRESIDENT | +24 | $76.32 |
| Aug 5, 2026 | John P. II Painter | director | +160 | $80.52 |
| Jul 9, 2026 | LeeAnn Gephart | officer: EXECUTIVE VICE PRESIDENT | −15 | $71.52 |
| Jun 25, 2026 | LeeAnn Gephart | officer: EXECUTIVE VICE PRESIDENT | −29 | $66.52 |
| May 29, 2026 | Stephen J. Guillaume | officer: SENIOR VICE PRESIDENT | +34 | $61.78 |
- Citizens & Northern
Closest rural PA/NY peer in banking, wealth, and insurance
- Northwest Bancshares
Larger PA-based branch bank competing for loans and deposits
- Chemung Financial
Southern Tier NY/PA community-bank and trust peer
- S&T Bancorp
PA commercial bank peer in loans, deposits, wealth, and insurance
- Fulton Financial
Mid-Atlantic bank across PA, DE, NJ, and nearby states
- WSFS Bank
Delaware and Greater Philadelphia banking and wealth rival
- Univest Financial
Southeastern PA bank with wealth and insurance overlap
CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens Financial Services | $78.99 | +1.16% | $386.9M | 9.4 | 8.9 | 2.2 | −30.0% |
| Citizens & Northern | $25.22 | +0.10% | $460.1M | 17.4 | 9.4 | 2.8 | +46.4% |
| Northwest Bancshares | $15.04 | +0.03% | $2.23B | 14.7 | 10.7 | 2.6 | +21.2% |
| Chemung Financial | $80.52 | −0.83% | $395.1M | 11.8 | 10.4 | 2.9 | +39.6% |
| S&T Bancorp | $49.10 | 0.00% | $1.74B | 13.2 | 12.4 | 3.1 | +5.2% |
| Fulton Financial | $22.75 | +0.02% | $4.40B | 11.0 | 10.3 | 2.3 | +13.5% |
| WSFS Bank | $76.99 | +0.03% | $4.00B | 12.9 | 11.7 | 2.9 | +5.6% |
| Univest Financial | $41.41 | +0.06% | $1.15B | 12.1 | 10.7 | 2.2 | +4.1% |
| Median | 12.9 | 10.7 | 2.8 | +13.5% |