CZFS — Citizens Financial Services Inc. Common Stock

Citizens Financial Services Inc. Common Stock (CZFS) is a banks - regional company listed on NASDAQ. It is led by Randall E. Black, based in 15 South Main Street, Mansfield, PA, United States, 16933, with about 379 employees. Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers 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.

Latest reported CZFS revenue for 2025-09-30 was $2.8M. Net income was $10.0M. Revenue was up 17.1% from 2025-06-30 to 2025-09-30. CZFS currently screens at market cap $277.7M and trailing P/E 9.8.

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