Citizens Financial Services Share Price Today
(NASDAQ: CZFS)

Name: Citizens Financial Services Share Price Today (NASDAQ: CZFS) - Citizens Financial Services Stock Price Live Quote | INDmoney
Brand: INDmoney
Rating: 4.7 (371551 reviews)

Citizens Financial Services share price is $64.9 & ₹5,632.61 as on 15 Feb 2025, 2.30 'hrs' IST

$64.9

▲

1.8

(2.85%)

Market is closed - opens 8 PM, 18 Feb 2025

View live Citizens Financial Services share price in Dollar and Rupees. Guide to invest in Citizens Financial Services stock from India, including Indian investor sentiment. Get details on Indian mutual funds investing in Citizens Financial Services, along with analyst recommendations, forecasts, and comprehensive financials.

Citizens Financial Services share price movements

Today's Low: $62.61
Today's High: $64.91
$64.90
3.53%
Downside
Day's Volatility :3.54%
Upside
0.02%
52 Weeks Low: $38.52
52 Weeks High: $75.40
$64.90
40.64%
Downside
52 Weeks Volatility :48.91%
Upside
13.93%

Citizens Financial Services (CZFS) Returns

Period	Citizens Financial Services Inc	Index (Russel 2000)
3 Months	-10.05%	0.0%
6 Months	24.95%	0.0%
1 Year	29.52%	0.0%
3 Years	3.57%	-12.5%

Citizens Financial Services (CZFS) Key Statistics

in dollars & INR

Previous Close	$63.1
Open	$61.31
Today's High	$64.91
Today's Low	$62.61
Market Capitalization	$290.6M
Today's Volume	$6.7K
52 Week High	$75.4
52 Week Low	$38.5248
Revenue TTM	$98.2M
Earnings Per Share (EPS)	$5.85
PE Ratio	10.44
Dividend Yield	3.13%
Profit Margin	27.88%
Quarterly Earnings Growth YOY	0.0%
Return On Equity TTM	9.75%

How to invest in Citizens Financial Services Stock (CZFS) from India?

It is very easy for Indian residents to invest directly in Citizens Financial Services from India. Indian investors can open a free US stocks account on the INDmoney app. You can find live prices of the Citizens Financial Services stock in both Indian Rupees (INR) and US Dollars (USD). Search for Citizens Financial Services or CZFS on the INDmoney app and click on Buy or SIP. You can invest by choosing quantities of shares of Citizens Financial Services or rupee/ dollar value or set up a fixed SIP amount to be invested every month or week.

For example: You can easily buy Rs.100 worth of Citizens Financial Services shares which would translate to 0.013 fractional shares of Citizens Financial Services as of today. Learn more about fractional investing.

Indians can now also easily transfer and add money to their US stocks account via the INDmoney app. Invest in US Stocks from India, including recognised companies like Citizens Financial Services, in just a few clicks!

Returns in Citizens Financial Services (CZFS) for Indian investors in Rupees

The Citizens Financial Services stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

Investment Value

₹1,00,000

Citizens Financial Services investment value today

Current value as on today

₹1,37,742

Returns

₹37,742

(+37.74%)

Returns from Citizens Financial Services Stock

₹33,210 (+33.21%)

Dollar Returns

₹4,532 (+4.53%)

Indian investors sentiment towards Citizens Financial Services (CZFS)

150%

Period: Jan 15, 2025 to Feb 14, 2025. Change in 30 Days versus previous period

Search interest for Citizens Financial Services Stock from India on INDmoney has increased by 150% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in Citizens Financial Services

BlackRock Inc
6.69%
Vanguard Group Inc
5.01%
Citizens & Northern Corp
2.44%
Geode Capital Management, LLC
2.15%
State Street Corp
1.51%
Hudock Moyer Wealth Resources, LLC
0.85%

Analyst Recommendation on Citizens Financial Services

Buy

85%Buy

14%Hold

0%Sell

Based on 7 Wall street analysts offering stock ratings for Citizens Financial Services(by analysts ranked 0 to 5 stars)

Based on 7 analyst

Current
1M Ago
3M Ago

Buy

Hold

Sell

Analyst Forecast on Citizens Financial Services Stock (CZFS)

What analysts predicted

Downside of 7.55%

Target:

$60.00

Current:

$64.90

Insights on Citizens Financial Services Stock (Ticker Symbol: CZFS)

Price Movement
In the last 6 months, CZFS stock has moved up by 41.6%
Decreasing Revenue
Revenue is down for the last 3 quarters, 42.91M → 25.07M (in $), with an average decrease of 21.6% per quarter
Increasing Net Profit
Netprofit is up for the last 2 quarters, 5.27M → 7.53M (in $), with an average increase of 30.0% per quarter
CZFS vs MFG (1 yr)
In the last 1 year, Mizuho Financial Group, Inc. has given 54.3% return, outperforming this stock by 25.7%
CZFS vs MFG (3 yr)
In the last 3 years, Mizuho Financial Group, Inc. has given 94.4% return, outperforming this stock by 95.4%
Price to Sales
ForCZFS every $1 of sales, investors are willing to pay $3.1, whereas for Mizuho Financial Group, Inc., the investors are paying $0.0 for every $1 of sales.

CZFS Citizens Financial Services Financials in INR & Dollars

	FY18	Y/Y Change
Revenue	$54.9M	↑ 7.87%
Net Income	$18.0M	↑ 38.46%
Net Profit Margin	32.84%	↑ 7.26%

	FY19	Y/Y Change
Revenue	$58.3M	↑ 6.2%
Net Income	$19.5M	↑ 8.07%
Net Profit Margin	33.42%	↑ 0.58%

	FY20	Y/Y Change
Revenue	$73.6M	↑ 26.21%
Net Income	$25.1M	↑ 28.8%
Net Profit Margin	34.1%	↑ 0.68%

	FY21	Y/Y Change
Revenue	$78.4M	↑ 6.53%
Net Income	$29.1M	↑ 15.99%
Net Profit Margin	37.13%	↑ 3.03%

	FY22	Y/Y Change
Revenue	$81.9M	↑ 4.41%
Net Income	$29.1M	↓ 0.2%
Net Profit Margin	35.49%	↓ 1.64%

	FY23	Y/Y Change
Revenue	$86.3M	↑ 5.45%
Net Income	$17.8M	↓ 38.71%
Net Profit Margin	20.63%	↓ 14.86%

	Q2 FY23	Q/Q Change
Revenue	$20.2M	↓ 0.26%
Net Income	$-4.1M	↓ 160.35%
Net Profit Margin	-20.51%	↓ 54.41%

	Q3 FY23	Q/Q Change
Revenue	$26.2M	↑ 29.7%
Net Income	$7.5M	↓ 282.14%
Net Profit Margin	28.81%	↑ 49.32%

	Q4 FY23	Q/Q Change
Revenue	$42.0M	↑ 60.15%
Net Income	$7.5M	↓ 0.11%
Net Profit Margin	17.97%	↓ 10.84%

	Q1 FY24	Q/Q Change
Revenue	$42.9M	↑ 2.28%
Net Income	$7.0M	↓ 6.84%
Net Profit Margin	16.37%	↓ 1.6%

	Q2 FY24	Q/Q Change
Revenue	$41.1M	↓ 4.32%
Net Income	$5.3M	↓ 24.9%
Net Profit Margin	12.85%	↓ 3.52%

	Q3 FY24	Q/Q Change
Revenue	$25.1M	↓ 38.93%
Net Income	$7.5M	↑ 42.86%
Net Profit Margin	30.05%	↑ 17.2%

	FY18	Y/Y Change
Profit	$54.9M	↑ 7.87%

	FY19	Y/Y Change
Profit	$58.3M	↑ 6.2%

	FY20	Y/Y Change
Profit	$73.6M	↑ 26.21%

	FY21	Y/Y Change
Profit	$78.4M	↑ 6.53%

	FY22	Y/Y Change
Profit	$81.9M	↑ 4.41%

	FY23	Y/Y Change
Profit	$86.3M	↑ 5.45%

	Q2 FY23	Q/Q Change
Profit	$20.2M	↓ 0.26%

	Q3 FY23	Q/Q Change
Profit	$26.2M	↑ 29.7%

	Q4 FY23	Q/Q Change
Profit	$42.0M	↑ 60.15%

	Q1 FY24	Q/Q Change
Profit	$42.9M	↑ 2.28%

	Q2 FY24	Q/Q Change
Profit	$41.1M	↓ 4.32%

	Q3 FY24	Q/Q Change
Profit	$25.1M	↓ 38.93%

	FY18	Y/Y Change
Operating Cash Flow	$21.5M	↑ 36.51%
Investing Cash Flow	$-72.4M	↓ 31.37%
Financing Cash Flow	$49.1M	↓ 45.67%

	FY19	Y/Y Change
Operating Cash Flow	$21.8M	↑ 1.31%
Investing Cash Flow	$-32.3M	↓ 55.32%
Financing Cash Flow	$12.3M	↓ 75.01%

	FY20	Y/Y Change
Operating Cash Flow	$11.8M	↓ 45.69%
Investing Cash Flow	$-110.7M	↑ 242.59%
Financing Cash Flow	$149.1M	↑ 1114.26%

	FY21	Y/Y Change
Operating Cash Flow	$38.7M	↑ 227.3%
Investing Cash Flow	$-158.2M	↑ 42.89%
Financing Cash Flow	$223.7M	↑ 50.01%

	FY22	Y/Y Change
Operating Cash Flow	$33.2M	↓ 14.09%
Investing Cash Flow	$-362.5M	↑ 129.06%
Financing Cash Flow	$182.6M	↓ 18.36%

	Q2 FY23	Q/Q Change
Operating Cash Flow	$-7.5M	↓ 172.13%
Investing Cash Flow	$123.5M	↑ 2263.95%
Financing Cash Flow	$-97.4M	↑ 521.78%

Citizens Financial Services Technicals Summary

Sell

Neutral

Buy

Citizens Financial Services is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Citizens Financial Services (CZFS) Vs Peers

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Citizens Financial Services Inc	5.22%	24.95%	29.52%	3.57%	6.04%
Nu Holdings Ltd.	22.25%	-4.57%	33.11%	52.38%	33.49%
U.s. Bancorp	-6.9%	8.54%	14.22%	-19.13%	-12.92%
Icici Bank Ltd.	1.64%	4.03%	17.83%	44.52%	93.43%
Pnc Financial Services Group, Inc.	-2.5%	11.99%	31.29%	-6.31%	29.09%
Mizuho Financial Group, Inc.	8.11%	29.93%	53.42%	95.8%	95.12%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Citizens Financial Services Inc	10.44	10.44	0.0	6.25	0.1	0.01	0.03	62.75
Nu Holdings Ltd.	38.31	38.31	NA	0.45	0.26	0.04	NA	1.59
U.s. Bancorp	12.56	12.56	1.14	4.37	0.1	0.01	0.04	33.35
Icici Bank Ltd.	18.48	18.48	0.0	1.51	0.19	0.02	0.01	364.76
Pnc Financial Services Group, Inc.	14.22	14.22	1.9	15.36	0.1	0.01	0.03	124.56
Mizuho Financial Group, Inc.	11.83	11.83	0.93	0.0	0.07	0.0	0.03	4037.29

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Citizens Financial Services Inc	Buy	$290.6M	6.04%	10.44	27.88%
Nu Holdings Ltd.	Buy	$66.3B	33.49%	38.31	33.76%
U.s. Bancorp	Hold	$74.2B	-12.92%	12.56	22.02%
Icici Bank Ltd.	Buy	$102.5B	93.43%	18.48	28.91%
Pnc Financial Services Group, Inc.	Buy	$77.4B	29.09%	14.22	25.11%
Mizuho Financial Group, Inc.	Buy	$68.6B	95.12%	11.83	21.91%

About Citizens Financial Services

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

Organization	Citizens Financial Services
Employees	393
CEO	Mr. Stephen J. Guillaume
Industry	Regional Banks

Management People of Citizens Financial Services

Name	Title
Mr. Stephen J. Guillaume	Executive VP & CFO
Mr. Jeffrey R. White	Chief Operating Officer
Ms. Kathleen M. Campbell CFMP	Senior VP, CFMP & Director of Marketing of First Citizens National Bank
Ms. Cynthia T. Pazzaglia	Senior Vice President of Human Resources
Marina Smalanaskas	Senior VP & Southcentral Market Executive
Mr. Anthony Manerchia	Senior VP & Chief Banking Officer
Ms. Gina Marie Boor	Corporate Secretary
Mr. Jeffrey L. Wilson	Executive VP & Chief Lending Officer of First Citizens Community Bank
Mr. Jeffrey B. Carr	Senior VP & Chief Retail Banking Officer of First Citizens Community Bank

Important FAQs about investing in CZFS Stock from India :

What is Citizens Financial Services share price today?

Citizens Financial Services share price today stands at $64.90, Open: $61.31 ; Previous Close: $63.10 ; High: $64.91 ; Low: $62.61 ; 52 Week High: $75.40 ; 52 Week Low: $38.52.

The stock opens at $61.31, after a previous close of $63.10. The stock reached a daily high of $64.91 and a low of $62.61, with a 52-week high of $75.40 and a 52-week low of $38.52.

Can Indians buy Citizens Financial Services shares?

Yes, Indians can invest in the Citizens Financial Services (CZFS) from India.

With INDmoney, you can buy Citizens Financial Services at 0 brokerage. The step-by-step process is as follows:

Open your zero cost US Stocks account and zero balance IND linked savings a/c (this can be done in less than 3 minutes)
Transfer funds to your US Stocks account using your IND linked savings a/c (It takes 24 hours excluding Saturday and Sunday). With INDmoney, you get the best INR USD exchange rates.
Once funds are transferred successfully, you can buy Citizens Financial Services at zero transaction cost.

How can I buy Citizens Financial Services shares from India?

It is very easy to buy Citizens Financial Services from India. With INDmoney, you can open a US stocks account in less than 3 minutes. Transfer funds in 24 hours and buy stocks very easily - that too at 0 brokerage. All this is done at 0 account opening & management fee, 0 brokerages, and at the same time you get the best rupee-US dollar exchange rate.

Can Fractional shares of Citizens Financial Services (CZFS) be purchased?

Yes, you can buy fractional shares of Citizens Financial Services with INDmoney app.

What are the documents required to start investing in Citizens Financial Services stocks?

To start investing in Citizens Financial Services, You will need the following documents:

Proof of Identification (PAN, Aadhaar etc)
Proof of address (Aadhaar, Voter ID etc)

These documents are required as per RBI's guidelines to create your IND linked savings a/c so that you can execute for global fund transfer. The entire process is paperless and can be completed seamlessly.