CZFS

Citizens Financial Services
$75.97
+$1.09 (+1.46%)Jul 27, 2026
5.7NeutralMoatMint rating

MoatMint rates Citizens Financial Services (CZFS) 5.7 out of 10, a research rating of the company's quality, value, growth, momentum and financial health. Its quality rating is 3.9 out of 10.

Key metrics

The numbers that frame CZFS today
Market cap
$365.03M
P/E (TTM)
9.3
P/B
1.06x
Net margin
34.7%
ROE
11.9%
Div yield
2.62%
Debt / equity
0.6
52wk Low
$48.44
52wk High
$76.00

CZFS stock rating

How CZFS scores on quality, value, growth, momentum and financial health
5.7out of 10
Neutral overallFair business, attractive priceTop 43% of ~5,000 US stocks
QualityFair3.9/10
GrowthNeutral5.1/10
MomentumGood7.1/10
ValueGreat8.0/10
Financial HealthNeutral4.4/10

Growth

Revenue and earnings trend for CZFS
RevenueNet income
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Cash flow & returns

Free cash flow and financial health
Free cash flowNet debt
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Insider trading

Recent insider buying and selling activity
PurchasesSales
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Frequently asked questions

Plain-English answers about CZFS
Is Citizens Financial Services a good buy?
Hold. Citizens Financial Services has strong momentum, but weak quality makes the setup mixed. Growth looks mixed. The support signal is useful, but not decisive. We think Citizens Financial Services is selling at a low price.
What is the market capitalization of CZFS?
Citizens Financial Services's market capitalization is $365.03M.
What is the P/E ratio for CZFS stock?
Citizens Financial Services's current P/E ratio is 9.3.
What is the 52-week high for CZFS stock?
The 52-week high for Citizens Financial Services is $76.00. The current close of $75.97 is 0% below that high.
What is the 52-week low for CZFS stock?
The 52-week low for Citizens Financial Services is $48.44. The current close of $75.97 is 56.8% above that low.
Does CZFS stock pay dividends?
Citizens Financial Services pays a dividend. The latest dividend per share in the company data is $1.99, which implies a yield of 2.62% based on the current close.
What is the Debt / Equity ratio for CZFS?
Citizens Financial Services's Debt / Equity ratio is 0.58.