Citizens Financial Services, Inc. (CZFS) Stock Score, Valuation & Financial Research
Citizens Financial Services, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 57/100.
Quick answer for CZFS
Citizens Financial Services, Inc. currently has a Wall Street Score of 57/100. The stored market price is $81.33. Its financial score is 24/100. Its valuation score is 100/100. The latest WSS change is +0.3 points. These figures are a research snapshot, not a buy or sell recommendation.
What Citizens Financial Services, Inc. does
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment manage
CZFS financial snapshot
- Wall Street Score:
- 57/100
- Current price:
- $81.33
- Market capitalization:
- $390.8M
- Revenue:
- $175.9M
- Net income:
- $41.1M
- Free cash flow:
- $35.2M
- Cash:
- $39.4M
- Total debt:
- $394.0M
- EPS:
- 8.57
- P/E ratio:
- 9.5x
- Financial score:
- 24/100
- Valuation score:
- 100/100
- Revenue score:
- 35/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $35.2M, showing positive cash generation.
- The balance sheet shows $39.4M of cash versus $394.0M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.3 points: CZFS increased 0.3 points because overall fundamentals improved.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 24/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research CZFS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.