CZFS Stock Summary and Trading Ideas (Citizens Financial Servs | NASDAQ:CZFS)

Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its 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 Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.

Citizens Financial Servs trades on the NASDAQ stock market under the symbol CZFS.

As of January 23, 2026, CZFS stock price declined to $65.54 with 15,822 million shares trading.

CZFS has a market cap of $315.07 million. This is considered a Small Cap stock.

Last quarter Citizens Financial Servs reported $29 million in Revenue and $2.09 earnings per share. This fell short of revenue expectation by $-106,000 and exceeded earnings estimates by $.33.

In the last 3 years, CZFS traded as high as $90.19 and as low as $38.14.

The top ETF exchange traded funds that CZFS belongs to (by Net Assets): VTI, IWM, VXF, IWN, SCHA.

CZFS has outperformed the market in the last year with a price return of +15.4% while the SPY ETF gained +14.2%. CZFS has also outperformed the stock market ETF in the last 3 month and 2 week periods returning +19.4% and +9.4%, respectively, while the SPY returned +2.9% and -0.7%, respectively.

CZFS support price is $63.38 and resistance is $69.90 (based on 1 day standard deviation move). This means that using the most recent 20 day stock volatility and applying a one standard deviation move around the stock's closing price, stastically there is a 67% probability that CZFS shares will trade within this expected range on the day.