CZFS
Citizens Financial Services, Inc.Financial Services · $384M market cap
Verdict
Share price
$80.90
close of Oct 3, 2026
Fair value
$139.44
Sticker Price
Payback Price
$55.78
buy price
CZFS is Undervalued: at $80.90 it trades 42% below its fair value of $139.44. Its buy price (Payback Price) is $55.78, 31% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
0 of 5 clear the 10% bar. What are the Big Five?
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Since Jun 15, 2026: 2 open-market purchases worth $15K, 2 sales worth $3K and 19 other filings (stock awards, tax withholding and similar). Why purchases matter
Purchases
Guillaume Stephen J
SENIOR VICE PRESIDENT · 2026-08-31
Bought
$2K
Painter John P II
director · 2026-08-05
Bought
$13K
Sales
Gephart LeeAnn
EXECUTIVE VICE PRESIDENT · 2026-07-09
Sold
$1K
Gephart LeeAnn
EXECUTIVE VICE PRESIDENT · 2026-06-25
Sold
$2K
Other filings
LANDY R JOSEPH
director · 2026-09-08
G-Gift
20 shares
RICHARDS DAVID Z JR
EXECUTIVE VICE PRESIDENT · 2026-07-22
Award
343 shares
LANDY R JOSEPH
director · 2026-07-09
G-Gift
20 shares
White Jeffrey R
EXECUTIVE VICE PRESIDENT · 2026-06-25
Award
336 shares
Gephart LeeAnn
EXECUTIVE VICE PRESIDENT · 2026-06-25
Award
153 shares
Show all 19 other filingsShow fewer
Guillaume Stephen J
EXECUTIVE VICE PRESIDENT · 2026-06-25
Award
311 shares
WILSON JEFFREY L
EXECUTIVE VICE PRESIDENT · 2026-06-25
Award
49 shares
BLACK RANDALL E
CEO & PRESIDENT · 2026-06-25
Award
563 shares
DePaola Rinaldo A
director · 2026-06-15
Award
88 shares
LANDY R JOSEPH
director · 2026-06-15
Award
88 shares
KUNES CHRISTOPHER W
director · 2026-06-15
Award
88 shares
Freeman Thomas E.
director · 2026-06-15
Award
88 shares
GRAHAM ROGER C JR
director · 2026-06-15
Award
88 shares
JONES MICKEY L
director · 2026-06-15
Award
88 shares
OSBORNE TERRY B
director · 2026-06-15
Award
88 shares
BOWER JOSEPH B JR
director · 2026-06-15
Award
88 shares
Painter John P II
director · 2026-06-15
Award
88 shares
Hilfiger Janie M
director · 2026-06-15
Award
88 shares
Behm John D
director · 2026-06-15
Award
29 shares
About Citizens Financial Services, Inc.
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works