Citizens Financial Services Inc
NASDAQ:CZFS

Watchlist Manager
Citizens Financial Services Inc Logo
Citizens Financial Services Inc
NASDAQ:CZFS
Watchlist
Price: 57.43 USD -2.99% Market Closed
Market Cap: 273.4m USD

Citizens Financial Services Inc
Investor Relations

Citizens Financial Services, Inc. is a holding company, which operates through its subsidiary First Citizens National Bank, provides community banking services. The company is headquartered in Mansfield Pennsylvania, Pennsylvania and currently employs 293 full-time employees. The firm is engaged in the ownership and management of the Bank and the Bank's insurance agency subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC. The company operates through a community banking segment. The Bank is engaged in a range of banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans, and a range of other specialized financial services. The Trust and Investment division of the Bank offers a range of client investment, estate, mineral management and retirement services. The firm operates approximately 22 banking facilities.

Show more
Loading
CZFS
S&P 500
1Y 3Y 5Y 10Y 15Y 20Y

Earnings Calls

No Earnings Calls Available

Management

Mr. Randall E. Black
Vice Chairman, President & CEO
No Bio Available
Mr. Stephen J. Guillaume
Executive VP & CFO
No Bio Available
Mr. Jeffrey R. White
Chief Operating Officer
No Bio Available
Ms. Kathleen M. Campbell CFMP
Senior VP, CFMP & Director of Marketing of First Citizens National Bank
No Bio Available
Ms. Cynthia T. Pazzaglia
Senior Vice President of Human Resources
No Bio Available
Marina Smalanaskas
Senior VP & Southcentral Market Executive
No Bio Available
Mr. Anthony Manerchia
Senior VP & Chief Banking Officer
No Bio Available
Ms. Gina Marie Boor
Corporate Secretary
No Bio Available
Mr. Jeffrey L. Wilson
Executive VP & Chief Lending Officer of First Citizens Community Bank
No Bio Available
Mr. Jeffrey B. Carr
Senior VP & Chief Retail Banking Officer of First Citizens Community Bank
No Bio Available

Contacts

Address
PENNSYLVANIA
Mansfield Pennsylvania
15 S Main St
Contacts
+15706620444.0
www.firstcitizensbank.com
sparklesyt

See Also

Summary
CZFS intrinsic value, competitors valuation, and company profile.
DCF Valuation
CZFS stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CZFS stock valuation using valuation multiples.
Wall Street Estimates
CZFS price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CZFS stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Back to Top
ALPHA SPREAD
Follow us
Join more than 242,400+ value investors using Alpha Spread
Create a free account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2025 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.