Citizens Financial Services Inc. Common Stock (CZFS)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value-minded investor, I see Citizens Financial Services as a small, 388-employee regional bank. In fiscal Q2 2026, the quarter ended 2026-06-30, it reported net income of $10.2 million and diluted EPS of $2.12; a year earlier, in fiscal Q2 2025, the quarter ended 2025-06-30, net income was $8.5 million and diluted EPS $1.76. For FY2025, the year ended 2025-12-31, net income was $36.6 million and diluted EPS $7.62, up from $27.8 million and $5.79 in FY2024, the year ended 2024-12-31. That is real earnings progress, though revenue in the filed figures is tiny and does not move in a straight line. At the 2026-10-13 close of $78.84, FairStock calculates a P/E of 9.22, P/B of 1.07, ROE of 12.32%, dividend yield of 2.59%, and PEG of 0.45. Those are undemanding numbers for a bank earning above book value, and the 0.39 beta suggests low market sensitivity. Its moat would come from local deposit relationships, but the data gives no market share, efficiency ratio, or cost advantage to verify a durable edge. I cannot underwrite what I cannot see. The Piotroski F-Score is only 1/9, which warns that reported fundamentals may be fragile. For a bank, I want CET1 capital, net interest margin, nonperforming loans, charge-offs, reserves, and loan-to-deposit data; none are provided. The D/E is N/A, and ROCE 1.33% is not meaningful here. FairStock labels it a slow grower. The stock is near its 52-week high of $84.65 and trades just above book. So the price looks modest, not distressed. The key question is whether credit holds and returns persist.

In plain English: Citizens Financial Services is a small regional bank holding company that takes deposits and makes loans to people and businesses. Its profits have been moving higher, and the stock looks reasonably priced compared with those profits, but important details about loan risk are missing. The shares are near the top of their yearly range, so the market is not giving the bank away.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer