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

$288.62M

P/E (TTM)

7.9

14.6

Dividend Yield

3.3%

52W High

$69.30

52W Low

$49.99

52W Range

52%

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

Q4 2025 Data

Revenue

$44.48M+3.13%

4-Quarter Trend

EPS

$2.19+31.93%

4-Quarter Trend

FCF

$0.00+0.00%

4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Income Surge Reported Nine-month net income reached $26.09M, marking a 31.5% increase from $19.84M, primarily driven by improved net interest income performance.

NII Growth and Margin Expansion Tax-equivalent NII grew 12.9% to $71.79M; NIM expanded to 3.44% (vs 3.09% prior year) due to lower interest-bearing liability costs.

Asset Quality Shows Improvement The NPL ratio decreased to 0.88% of total loans, supported by a $712K reduction in the provision for credit losses year-over-year.

Loan Portfolio Expansion Total loans increased by $22.1M, with commercial loans growing 5.3% to $1.18B, reflecting successful integration of recent acquisitions.

Risk Factors

Interest Rate Shock Exposure Rate shock analysis indicates potential NII volatility; a 400 basis point drop could cause a prospective 12.04% decline in net interest income.

Capital Adequacy Monitoring The CBLR leverage ratio improved to 9.44% (from 8.99% at year-end 2024), but maintaining the 'well-capitalized' threshold remains critical.

Deposit Competition Pressures Management notes continued customer fund transfers to higher-yielding alternatives, evidenced by a decrease in brokered deposits to $60.0M.

Credit Loss Uncertainty Ahead Future allowance adjustments may be necessary if economic downturns cause substantial increases in non-performing assets and subsequent charge-offs.

Outlook

Liquidity Management Strategy The Company maintains sufficient liquidity via core deposits and investment portfolio management to meet obligations and fund capital needs.

Non-Interest Expense Control Salaries and benefits expense rose 1.9% despite a 3.1% reduction in FTE headcount, reflecting merit increases offsetting headcount savings.

Investment Strategy Focus Strategy focuses on utilizing cash flows to repurchase mortgage-backed securities, actively managing interest rate risk exposure in various environments.

Regulatory Compliance Adaptation The Company is evaluating the impact of new accounting guidance, including ASU 2024-03 regarding expense disaggregation disclosures.

Peer Comparison

Revenue (TTM)

WSBF

$201.61M

+1.1%

CBAN

$190.23M

+7.7%

FNLC

$177.61M

+7.2%

Gross Margin (Latest Quarter)

PLBC

84.6%

-6.1pp

WSBF

74.5%

+0.0pp

TSBK

72.6%

+3.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CBAN	$345.31M	12.9	9.0%	0.0%
PLBC	$340.33M	11.5	13.3%	6.6%
CZNC	$335.25M	16.5	7.8%	6.2%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

1.6%

Moderate Growth

4Q Net Income CAGR

11.2%

Profitability Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 28, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data