CITIZENS FINANCIAL SERVICES INC(CZFS)Stock Analysis
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Rank #884 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CZFS Stock Analysis & AI Quality Score
AI 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 60.1/100 on a 32-signal composite quality model, placing it at rank #884 of 2,879 stocks — the top half of the AI-ranked universe. CZFS scores in the top quartile across profitability (98.1), free cash flow (97.4), earnings quality (84.0). Areas of concern include revenue scale (3.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 22.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CITIZENS FINANCIAL SERVICES INC reports quarterly revenue of $29.8M, net income of $10.4M, free cash flow of $17.9M. Top institutional holders of CZFS by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, CITIZENS & NORTHERN, 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 57 and 64 since 2024, currently 60.1 — a stable long-term trajectory across 15 quarterly and live scoring snapshots.
Revenue
Q1 2026
$29.8M
Net Income
Q1 2026
$10.4M
Free Cash Flow
Q1 2026
$17.9M
ROIC
Q1 2026
3.7%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+2.8% YoYNet Income
+31.5% YoYEPS (Diluted)
+32.9% YoYTotal Assets
+1.3% YoYOp. Cash Flow
+10.1% YoY| Metric | FY 2025 | FY 2024 | FY 2022 | FY 2021 | FY 2018 | FY 2016 |
|---|---|---|---|---|---|---|
| Revenue | $9.9M +2.8% | $9.6M +11.9% | $8.6M +11.0% | $7.7M +18.8% | $6.5M | — |
| Net Income | $36.6M +31.5% | $27.8M -4.3% | $29.1M -0.2% | $29.1M +61.5% | $18.0M +42.7% | $12.6M |
| EPS (Diluted) | $7.62 +32.9% | $5.73 -19.2% | $7.10 -1.0% | $7.17 +43.7% | $4.99 +41.2% | $3.53 |
| Total Assets | $3.06B +1.3% | $3.03B +29.7% | $2.33B +8.8% | $2.14B +49.8% | $1.43B +17.0% | $1.22B |
| Operating Cash Flow | $36.5M +10.1% | $33.2M -0.2% | $33.2M -14.1% | $38.7M +80.1% | $21.5M +32.7% | $16.2M |
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Available Research
13F Pro tracks comprehensive data for CITIZENS FINANCIAL SERVICES INC including:
Top Institutional Holders of CZFS
BlackRock, Inc.
$20.3M331,294 shVANGUARD CAPITAL MANAGEMENT LLC
$12.3M201,701 shCITIZENS & NORTHERN CORP
$7.2M117,063 shGEODE CAPITAL MANAGEMENT, LLC
$6.9M112,462 shSTATE STREET CORP
$5.7M93,930 shAMERICAN CENTURY COMPANIES INC
$2.7M44,186 shHudock, Inc.
$2.5M40,787 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$2.3M37,616 shNORTHERN TRUST CORP
$2.3M37,087 shVANGUARD FIDUCIARY TRUST CO
$1.9M30,546 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $20.3M | 331,294 |
| VANGUARD CAPITAL MANAGEMENT LLC | $12.3M | 201,701 |
| CITIZENS & NORTHERN CORP | $7.2M | 117,063 |
| GEODE CAPITAL MANAGEMENT, LLC | $6.9M | 112,462 |
| STATE STREET CORP | $5.7M | 93,930 |
| AMERICAN CENTURY COMPANIES INC | $2.7M | 44,186 |
| Hudock, Inc. | $2.5M | 40,787 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $2.3M | 37,616 |
| NORTHERN TRUST CORP | $2.3M | 37,087 |
| VANGUARD FIDUCIARY TRUST CO | $1.9M | 30,546 |
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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.
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.