CZFS today
$85.82-$0.52 (-0.60%)close Nov 11, 2026Trend
DailyUptrend (starting)
4 hourBearish
1 hourDescending Triangle
15 minLeaning Bullish
5 minConsolidating
Daily trend turns down below $77.10
Key levels
Resistance$92.00
Resistance$88.20
Support$84.00
Support$81.00
Latest news & SEC filings
EarningsCitizens Financial Services posts unaudited Q3 and nine-month 2026 results
EarningsCitizens Financial Servs Posts Quarterly Profit Above Forecasts
All CZFS news →About Citizens Financial Services
Citizens Financial Services is a bank holding company that owns First Citizens Community Bank, a Pennsylvania-chartered bank and trust company. The bank serves consumers, businesses, municipalities and organizations, offering deposit accounts, real estate, commercial, agricultural and consumer lending, plus trust and wealth services covering investments, estates and retirement. Its branches and lending offices are located across central and southeastern Pennsylvania, southern New York and Delaware.
Based on the company's 10-K filed Mar 12, 2026.
Nasdaq · Financial
CITIZENS FINANCIAL SERVICES INC (CZFS)
What Is the Price Target for CZFS?
SEPT Low Target
$0.00
SEPT Mid Target
$0.00
SEPT High Target
$0.00
Analyst Consensus
$0.00
Is CZFS a Buy or Sell Right Now?
Thesis
- •Revenue growing 2.8% YoY with SLOWING trend — consistent growth.
- •Smart money flows are positive — institutional and insider activity shows net buying.
AI-Powered Trading Signals
Trained on trillions of real market data to read price action and give you a simple, emotionless trading strategy for CZFS.
Start Free Trial →Is CZFS Overvalued or Undervalued?
Valuation Verdict
UNDERVALUED
Methods Used
P/E Forward, P/B, PEG
Fair Value
$122.48
18
Moat Score
NONE
6/9
Piotroski Score
0.2
Altman Z-Score
What Is Smart Money Doing with CZFS?
Insider Signal
BUYING
5 buys / 1 sells (90d)
Congress Signal
NEUTRAL
0 buys / 0 sells (90d)
Institutional
ACCUMULATING
Short Squeeze Risk
LOW
Signal: NEUTRAL
Recent Insider Activity
| Name | Title | Type | Shares | Value | Date |
|---|---|---|---|---|---|
| LANDY R JOSEPH | director | Sale | 40 | - | Sep 22, 2026 |
| Guillaume Stephen J | officer | Buy | 24 | $2K | Aug 31, 2026 |
| LANDY R JOSEPH | director | Sale | 20 | - | Jun 10, 2026 |
| Guillaume Stephen J | officer | Buy | 34 | $2K | May 29, 2026 |
| Gephart LeeAnn | officer | Sale | 24 | $2K | May 28, 2026 |
Track Smart Money Across 4,000+ Stocks
Insider trades, congress trades, institutional flows, and short interest — updated daily with real-time alerts.
See All Smart Money Signals →CZFS Growth Story
Revenue YoY
2.8%
3yr Revenue CAGR
4.8%
EPS Growth YoY
31.61%
FCF Growth YoY
10.6%
Revenue Trend
SLOWING
Dark Pool Trades for CZFS
PREVIEWSEPT Investing tracks real-time dark pool institutional trades for CZFS, including block trade sizes, dollar values, and buy/sell side classification. Dark pool trades reveal where institutional investors are positioning before moves become visible on public exchanges.
| Time | Price | Size | Value | Side |
|---|---|---|---|---|
| 19:47:44 | $87.08 | 3,858 | $$336K | BUY |
| 17:21:23 | $86.75 | 1,357 | $$118K | BUY |
| 21:44:54 | $86.01 | 1,547 | $$133K | BUY |
| 18:01:14 | $83.33 | 2,726 | $$227K | SELL |
| 21:19:52 | $81.57 | 1,115 | $$91K | BUY |
5 dark pool trades shown · $$905K preview volume
Real-time institutional flow, block trades, and net positioning
Full AI Research Report
SEPT's Trading AI has generated a free, downloadable PDF research report for CITIZENS FINANCIAL SERVICES INC (CZFS) covering valuation analysis, financial health assessment, growth projections, smart money tracking, earnings and key price levels. For research only, not investment advice.
Report includes: PDF download, detailed valuation models (DCF, P/E, EV/EBITDA), institutional flow analysis, congress and insider trade tracking, FinBERT news sentiment (3 articles analyzed), and SEC filing intelligence...
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Trained on trillions of real market data to read price action and give you a simple, emotionless trading strategy. SEPT tells you when to buy, when to sell, and grades every stock so you never trade blind.
Try SEPT Free for 7 Days →CZFS — frequently asked questions
What is CZFS stock price today?
CITIZENS FINANCIAL SERVICES INC (CZFS) is at $85.82, down 0.60% (-$0.52) at the Nov 11, 2026 close.
Why is CZFS stock moving today?
Latest CZFS news — Oct 30, 2026: Citizens Financial Services posts unaudited Q3 and nine-month 2026 results · Oct 30, 2026: Citizens Financial Servs Posts Quarterly Profit Above Forecasts
Did CZFS beat earnings?
CZFS last reported on Oct 30, 2026: EPS $2.48 vs $2.20 expected — a beat of 12.7%.
What is CZFS's P/E ratio?
CZFS trades at a P/E of 10.0 vs a Financial average of 11.9.
Does CZFS pay a dividend?
Yes. CZFS's dividend yield is 3.49%.
What are CZFS support and resistance levels?
Support: $84.00, $81.00, $77.45. Resistance: $88.20, $92.00.
What are insiders doing with CZFS?
Insider activity: BUYING, 5 buys and 1 sells in the last 90 days.
What is the latest news on CZFS?
Oct 30, 2026: Citizens Financial Services posts unaudited Q3 and nine-month 2026 results · Oct 30, 2026: Citizens Financial Servs Posts Quarterly Profit Above Forecasts