Citizens Financial Services Stock Performance
| CZFS Stock | USD 64.70 0.84 1.28% |
On a scale of 0 to 100, Citizens Financial holds a performance score of 11. The firm shows a Beta (market volatility) of 0.54, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Citizens Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Citizens Financial is expected to be smaller as well. Please check Citizens Financial's skewness, and the relationship between the value at risk and day median price , to make a quick decision on whether Citizens Financial's price patterns will revert.
Risk-Adjusted Performance
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Weak | Strong |
Compared to the overall equity markets, risk-adjusted returns on investments in Citizens Financial Services are ranked lower than 11 (%) of all global equities and portfolios over the last 90 days. In spite of comparatively unfluctuating technical and fundamental indicators, Citizens Financial unveiled solid returns over the last few months and may actually be approaching a breakup point. ...more
| Citizens Financial dividend paid on 26th of December 2025 | 12/26/2025 |
| Begin Period Cash Flow | 52.8 M | |
| Total Cashflows From Investing Activities | -69.1 M |
Citizens Financial Relative Risk vs. Return Landscape
If you would invest 5,386 in Citizens Financial Services on October 28, 2025 and sell it today you would earn a total of 1,084 from holding Citizens Financial Services or generate 20.13% return on investment over 90 days. Citizens Financial Services is currently generating 0.3241% in daily expected returns and assumes 2.1765% risk (volatility on return distribution) over the 90 days horizon. In different words, 19% of stocks are less volatile than Citizens, and 94% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
Citizens Financial Target Price Odds to finish over Current Price
The tendency of Citizens Stock price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
| Current Price | Horizon | Target Price | Odds to move above the current price in 90 days |
| 64.70 | 90 days | 64.70 | roughly 2.99 |
Based on a normal probability distribution, the odds of Citizens Financial to move above the current price in 90 days from now is roughly 2.99 (This Citizens Financial Services probability density function shows the probability of Citizens Stock to fall within a particular range of prices over 90 days) .
Given the investment horizon of 90 days Citizens Financial has a beta of 0.54 suggesting as returns on the market go up, Citizens Financial average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding Citizens Financial Services will be expected to be much smaller as well. Additionally Citizens Financial Services has an alpha of 0.2757, implying that it can generate a 0.28 percent excess return over Dow Jones Industrial after adjusting for the inherited market risk (beta). Citizens Financial Price Density |
| Price |
Predictive Modules for Citizens Financial
There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as Citizens Financial. Regardless of method or technology, however, to accurately forecast the stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.Citizens Financial Risk Indicators
For the most part, the last 10-20 years have been a very volatile time for the stock market. Citizens Financial is not an exception. The market had few large corrections towards the Citizens Financial's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold Citizens Financial Services, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of Citizens Financial within the framework of very fundamental risk indicators.α | Alpha over Dow Jones | 0.28 | |
β | Beta against Dow Jones | 0.54 | |
σ | Overall volatility | 3.50 | |
Ir | Information ratio | 0.11 |
Citizens Financial Alerts and Suggestions
In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of Citizens Financial for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for Citizens Financial can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.| On 26th of December 2025 Citizens Financial paid $ 0.5 per share dividend to its current shareholders |
Citizens Financial Price Density Drivers
Market volatility will typically increase when nervous long traders begin to feel the short-sellers pressure to drive the market lower. The future price of Citizens Stock often depends not only on the future outlook of the current and potential Citizens Financial's investors but also on the ongoing dynamics between investors with different trading styles. Because the market risk indicators may have small false signals, it is better to identify suitable times to hedge a portfolio using different long/short signals. Citizens Financial's indicators that are reflective of the short sentiment are summarized in the table below.
| Common Stock Shares Outstanding | 4.8 M | |
| Cash And Short Term Investments | 93.1 M |
Citizens Financial Fundamentals Growth
Citizens Stock prices reflect investors' perceptions of the future prospects and financial health of Citizens Financial, and Citizens Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Citizens Stock performance.
| Return On Equity | 0.11 | |||
| Return On Asset | 0.0112 | |||
| Profit Margin | 0.32 % | |||
| Operating Margin | 0.45 % | |||
| Current Valuation | 556.55 M | |||
| Shares Outstanding | 4.81 M | |||
| Price To Earning | 9.76 X | |||
| Price To Book | 0.96 X | |||
| Price To Sales | 2.93 X | |||
| Revenue | 168.62 M | |||
| EBITDA | 35.49 M | |||
| Cash And Equivalents | 46.88 M | |||
| Cash Per Share | 11.80 X | |||
| Total Debt | 297.72 M | |||
| Debt To Equity | 9.85 % | |||
| Book Value Per Share | 68.18 X | |||
| Cash Flow From Operations | 33.18 M | |||
| Earnings Per Share | 7.10 X | |||
| Total Asset | 3.03 B | |||
| Retained Earnings | 189.44 M | |||
About Citizens Financial Performance
Assessing Citizens Financial's fundamental ratios provides investors with valuable insights into Citizens Financial's financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the Citizens Financial is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania. Citizens Fincl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 309 people.Things to note about Citizens Financial performance evaluation
Checking the ongoing alerts about Citizens Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Citizens Financial help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| On 26th of December 2025 Citizens Financial paid $ 0.5 per share dividend to its current shareholders |
- Analyzing Citizens Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Citizens Financial's stock is overvalued or undervalued compared to its peers.
- Examining Citizens Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating Citizens Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Citizens Financial's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of Citizens Financial's stock. These opinions can provide insight into Citizens Financial's potential for growth and whether the stock is currently undervalued or overvalued.
Additional Tools for Citizens Stock Analysis
When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.