CITIZENS FINANCIAL SERVICES INC(CZFS)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #1,243 of 2,962 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CZFS Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for CITIZENS FINANCIAL SERVICES INC (CZFS), a Financials sector company. 13F Pro's AI-powered ranking engine scores CZFS at 55.6/100 on a 32-signal composite quality model, placing it at rank #1,243 of 2,962 stocks — the top half of the AI-ranked universe. CZFS scores in the top quartile across profitability (95.1), free cash flow (85.1). Areas of concern include revenue scale (17.9) and earnings quality (28.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 21.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), CITIZENS FINANCIAL SERVICES INC reports quarterly revenue of $29.7M, net income of $10.2M, free cash flow of $-376.0K. Top institutional holders of CZFS by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, GEODE CAPITAL MANAGEMENT, based on the most recent SEC filings. CZFS trades on the Nasdaq exchange and files with the SEC under CIK 739421. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CZFS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CITIZENS FINANCIAL SERVICES INC directly from SEC EDGAR. CITIZENS FINANCIAL SERVICES INC's 13F Pro composite quality score has ranged between 43 and 64 since 2024, currently 55.6 — a stable long-term trajectory across 55 quarterly and live scoring snapshots.
Revenue
Q2 2026
$29.7M
Net Income
Q2 2026
$10.2M
Free Cash Flow
Q2 2026
$-376.0K
ROIC
Q2 2026
14.0%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+10.3% YoYNet Income
+31.5% YoYEPS (Diluted)
+32.9% YoYTotal Assets
+1.3% YoYOp. Cash Flow
+10.1% YoYFree Cash Flow
+10.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $112.3M +10.3% | $101.9M +10.9% | $91.9M +12.2% | $81.9M +4.4% | $78.4M +6.5% | $73.6M |
| Net Income | $36.6M +31.5% | $27.8M +56.2% | $17.8M -38.7% | $29.1M -0.2% | $29.1M +16.0% | $25.1M |
| EPS (Diluted) | $7.62 +32.9% | $5.73 +45.5% | $3.94 -44.5% | $7.10 -2.8% | $7.31 +13.0% | $6.47 |
| Total Assets | $3.06B +1.3% | $3.03B +1.7% | $2.98B +27.5% | $2.33B +8.8% | $2.14B +13.3% | $1.89B |
| Operating Cash Flow | $36.5M +10.1% | $33.2M +25.0% | $26.5M -20.2% | $33.2M -14.1% | $38.7M +227.3% | $11.8M |
| Free Cash Flow | $35.2M +10.6% | $31.9M +33.2% | $23.9M -24.3% | $31.6M -15.9% | $37.6M +245.5% | $10.9M |
Get alerted when CZFS's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for CITIZENS FINANCIAL SERVICES INC including:
Top Institutional Holders of CZFS
BlackRock, Inc.
$25.7M354,551 shVANGUARD CAPITAL MANAGEMENT LLC
$14.5M200,789 shGEODE CAPITAL MANAGEMENT, LLC
$8.7M119,810 shCITIZENS & NORTHERN CORP
$8.5M117,063 shSTATE STREET CORP
$6.7M92,835 shHudock, Inc.
$5.7M78,092 shAMERICAN CENTURY COMPANIES INC
$3.2M44,108 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$2.8M38,696 shNORTHERN TRUST CORP
$2.7M37,370 shVANGUARD FIDUCIARY TRUST CO
$2.3M32,192 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $25.7M | 354,551 |
| VANGUARD CAPITAL MANAGEMENT LLC | $14.5M | 200,789 |
| GEODE CAPITAL MANAGEMENT, LLC | $8.7M | 119,810 |
| CITIZENS & NORTHERN CORP | $8.5M | 117,063 |
| STATE STREET CORP | $6.7M | 92,835 |
| Hudock, Inc. | $5.7M | 78,092 |
| AMERICAN CENTURY COMPANIES INC | $3.2M | 44,108 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $2.8M | 38,696 |
| NORTHERN TRUST CORP | $2.7M | 37,370 |
| VANGUARD FIDUCIARY TRUST CO | $2.3M | 32,192 |
Companies Similar to CZFS
Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.
CENTRAL PACIFIC FINANCIAL CORP
FIRST NATIONAL CORP /VA/
NORWOOD FINANCIAL CORP
CIVISTA BANCSHARES, INC.
SHORE BANCSHARES INC
HANMI FINANCIAL CORP
Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
More Financials Companies
View all Financials →Put CZFS on your watchlist
Track score changes the day CITIZENS FINANCIAL SERVICES INC files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is CZFS a good stock to buy?
13F Pro's AI-powered analysis of CITIZENS FINANCIAL SERVICES INC (CZFS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CZFS are available on the CZFS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. CZFS is classified as a small company.
Which hedge funds own CZFS?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CZFS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CITIZENS FINANCIAL SERVICES INC's investment landscape.