Citizens Financial Services, Inc.

NASDAQ•CZFS

CEO: Mr. Stephen J. Guillaume

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1999-01-04

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.

Contact Information

15 South Main Street, Mansfield, PA, 16933, United States

570-662-2121

www.firstcitizensbank.com

Market Cap

$312.47M

P/E (TTM)

7.9

15.8

Dividend Yield

3.1%

52W High

$69.58

52W Low

$49.99

52W Range

77%

Rank38Top 36.9%

4.3

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$43.77M+0.00%

4-Quarter Trend

EPS

$2.16+0.00%

4-Quarter Trend

FCF

$17.89M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Surges 31.5% Net income reached $36.57M in 2025, a significant increase from $27.82M in 2024, driven by improved net interest income performance.

NIM Expansion and NII Growth Tax-equivalent Net Interest Income grew 13.3% to $99.11M as the Net Interest Spread expanded 37 basis points to 3.50%.

Loan Portfolio Growth Slows Total net loans increased 1.6% to $2.33B, primarily driven by real estate and other commercial lending activities during the year.

Capital Adequacy Improves The Bank's leverage ratio under the CBLR framework improved to 9.54% in 2025, maintaining its status as 'well-capitalized' per regulatory standards.

Risk Factors

Rising Non-Performing Loans Non-performing loans increased 3.3% to $26.83M; the allowance for credit losses coverage ratio slightly tightened to 0.97% of total loans.

Interest Rate Sensitivity Exposure Liabilities reprice faster than assets, causing potential NIM contraction if interest rates rise rapidly or the yield curve flattens unexpectedly.

Deposit Competition Pressures Total deposits decreased slightly by 0.2% to $2.38B, reflecting ongoing competitive pressure to maintain funding volumes and pricing.

Commercial Real Estate Concentration High concentration in CRE loans (51.8% of portfolio) exposes earnings to adverse economic conditions in regional real estate markets.

Outlook

Yield Improvement Strategy Management seeks to improve investment portfolio yield by replacing lower-yielding assets while closely monitoring interest rate risk exposure.

Credit Quality Monitoring Focus Underwriting remains disciplined, with specific focus on CRE and agricultural sectors, adjusting provisions based on economic forecasts.

Dividend Policy Constraints Future dividend payments are contingent upon the Bank's retained earnings and adherence to Federal Reserve capital distribution policies.

Cybersecurity Program Evolution The layered defensive cybersecurity strategy is continually reviewed and enhanced to mitigate risks from external threat events and misuse.

Peer Comparison

Revenue (TTM)

WSBF

$206.92M

+5.5%

CBAN

$197.97M

+11.0%

LNKB

$175.41M

+4.7%

Gross Margin (Latest Quarter)

PLBC

88.0%

-6.1pp

WSBF

71.9%

+0.0pp

TSBK

71.4%

+3.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CZNC	$377.32M	21.4	5.5%	6.1%
PLBC	$366.73M	11.4	13.3%	6.6%
PKBK	$363.92M	8.6	13.0%	6.9%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.1%

Moderate Growth

4Q Net Income CAGR

7.0%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Jul 29, 2026

EPS:$1.98

Revenue:$29.30M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data