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Citizens Financial Services, Inc.

corporate_fare Company Profile

Citizens Financial Services, Inc.

CZFS·NASDAQ·Finance·CIK 0000739421

Citizens Financial Services, Inc. is a Pennsylvania corporation that operates as a holding company for First Citizens Community Bank. The Company was incorporated on April 30, 1984. In 2020, CZFS Acquisition Company, LLC (CZFS) was formed as a wholly owned subsidiary, and the Company's interest in the Bank was transferred to CZFS to facilitate the merger with MidCoast Community Bancorp, Inc. and its subsidiary, MidCoast Community Bank, which was completed on April 17, 2020. In 2024, the Company terminated CZFS, and the interest in the Bank was transferred back to the Company. On June 16, 2023, the Company acquired HV Bancorp, Inc. and its subsidiary, Huntingdon Valley Bank. The Company's primary business involves the ownership and management of its subsidiary, First Citizens Community Bank, and the Bank's wholly owned subsidiary, First Citizens Insurance Agency, Inc. In 2024, the Bank terminated 1st Realty of PA LLC. First Citizens Community Bank is a full-service bank offering a wide range of banking activities and services to individual, business, governmental, and institutional customers.

Citizens Financial Services, Inc. (NASDAQ:CZFS) is a publicly traded company in the Finance sector. Wiseek has independently scored 15 items for CZFS at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-08-06, rated 7/10. Across its 15 most recent items scored 7 or higher, the top rating is 8/10, with 6 rated 8 or above. Recent SEC coverage for CZFS spans 10-Q, 8-K, DEF 14A, 10-K.

Recent high-impact activity:

  • Citizens Financial Q2 Net Income Climbs 20.4% to $10.2M, but Non-Performing Loans Surge 52.8%
  • Q2 Profit Jumps 20% on Higher Interest Income, but Non-Performing Loans Surge
  • Citizens Financial Q2: Net Income Climbs 20%, but Non-Performing Assets Spike
  • Citizens Financial Services Finalizes 2025 Executive Bonuses, Including $590K for CEO, and Discloses Pay Ratio
  • Citizens Financial Services Reports Strong Q1 Earnings Amidst Rising Non-Performing Loans

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$9.88M
Net Income
$36.57M
Diluted EPS
$7.62
Op. Cash Flow
$36.53M
Free Cash Flow
$35.24M
Cash & Equivalents
$34.29M
Debt / Equity
0.00×
Net Margin
370.1%
Shares Outstanding
4.8M sh
Source: 10-K · filed 2026-03-12 · accession 0001140361-26-009103

Short Interest & Short Volume

2.19 days to cover

FINRA reported short interest of 75,875 shares in CZFS as of the September 15, 2026 settlement, a 1.8% increase from the prior period — about 2.2 days to cover at its recent average daily volume. On October 2, 2026, 90.0% of CZFS volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)75,875 shares as of September 15, 2026
Change vs prior period▲ 1.8%
Days to cover2.19 at avg daily volume of 34,602
Daily short volume (FINRA facilities)90.0% of 13,619 shares on October 2, 2026
5-day average short volume81.9%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

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$80.04 -0.86% today
52-week range · as of 2026-08-06 $51.14 – $83.37
Market cap
$389.12M
Volume
45.5K (1.1× avg)
3-mo avg 40.5K
Live data · 2026-10-05 02:50 UTC · Market closed

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feed CZFS - Latest Insights

CZFS
Aug 06, 2026, 6:02 AM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $82.02
Real-time Price: $80.04 info
Change: -$1.98 (-2%) info
Market Cap: $389.117M info
CZFS
Jul 30, 2026, 7:50 AM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $77.26
Real-time Price: $80.04 info
Change: +$2.78 (+4%) info
Market Cap: $389.117M info
CZFS
Jul 30, 2026, 7:00 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $77.26
Real-time Price: $80.04 info
Change: +$2.78 (+4%) info
Market Cap: $389.117M info
CZFS
Jun 22, 2026, 7:30 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $67.96
Real-time Price: $80.04 info
Change: +$12.08 (+18%) info
Market Cap: $389.117M info
CZFS
May 07, 2026, 6:05 AM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $63.90
Real-time Price: $80.04 info
Change: +$16.14 (+25%) info
Market Cap: $389.117M info
CZFS
Apr 29, 2026, 7:00 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $67.21
Real-time Price: $80.04 info
Change: +$12.83 (+19%) info
Market Cap: $389.117M info
CZFS
Apr 29, 2026, 7:00 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $67.21
Real-time Price: $80.04 info
Change: +$12.83 (+19%) info
Market Cap: $389.117M info
CZFS
Apr 22, 2026, 4:10 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $68.98
Real-time Price: $80.04 info
Change: +$11.06 (+16%) info
Market Cap: $389.117M info
CZFS
Apr 21, 2026, 7:30 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $69.02
Real-time Price: $80.04 info
Change: +$11.02 (+16%) info
Market Cap: $389.117M info
CZFS
Mar 12, 2026, 6:15 AM EDT
Source: Wiseek News
Importance Score:
8
Price at Filing: $60.05
Real-time Price: $80.04 info
Change: +$19.99 (+33%) info
Market Cap: $389.117M info
CZFS
Mar 12, 2026, 6:06 AM EDT
Filing Type: DEF 14A
Importance Score:
8
Price at Filing: $60.05
Real-time Price: $80.04 info
Change: +$19.99 (+33%) info
Market Cap: $389.117M info
CZFS
Mar 12, 2026, 6:04 AM EDT
Filing Type: 10-K
Importance Score:
8
Price at Filing: $60.05
Real-time Price: $80.04 info
Change: +$19.99 (+33%) info
Market Cap: $389.117M info
CZFS
Feb 18, 2026, 4:10 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $62.95
Real-time Price: $80.04 info
Change: +$17.09 (+27%) info
Market Cap: $389.117M info
CZFS
Jan 29, 2026, 4:10 PM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $61.83
Real-time Price: $80.04 info
Change: +$18.21 (+29%) info
Market Cap: $389.117M info
CZFS
Jan 29, 2026, 4:10 PM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $61.83
Real-time Price: $80.04 info
Change: +$18.21 (+29%) info
Market Cap: $389.117M info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets