CITIZENS FINANCIAL SERVICES INC (CZFS) Stock Forecast 2025 - AI Price Prediction & Analysis

Q: What factors influence CITIZENS FINANCIAL SERVICES INC stock price forecasts?

Our analysis considers financial metrics, sector trends, market sentiment, technical indicators, and macroeconomic factors.

CITIZENS FINANCIAL SERVICES INC (CZFS) AI Stock Price Forecast & Investment Analysis

Latest Analysis Date: October 10, 2025

Loading CITIZENS FINANCIAL SERVICES INC interactive price chart and technical analysis...

CITIZENS FINANCIAL SERVICES INC (CZFS) - Comprehensive Stock Analysis & Investment Research

Deep dive into CITIZENS FINANCIAL SERVICES INC's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about CITIZENS FINANCIAL SERVICES INC, including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For CITIZENS FINANCIAL SERVICES INC: CITIZENS FINANCIAL SERVICES INC operates in the Finance sector, making it an emerging small-cap investment.

CITIZENS FINANCIAL SERVICES INC (Stock Symbol: CZFS) is a leading company in the Finance sector , specifically operating within the State Commercial Banks industry.

The organization employs approximately 170 professionals worldwide .

The company has established itself as an emerging investment opportunity with substantial growth potential.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing CITIZENS FINANCIAL SERVICES INC's revenue scale, profitability, market value, and shareholder returns.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For CITIZENS FINANCIAL SERVICES INC: With $103M in annual revenue and 35.8% net margin, the company demonstrates exceptional profitability.

Annual Revenue: $103 million generating a 35.8% net profit margin .

Market Capitalization: $260 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 13.6% - Above-average shareholder return efficiency, indicating areas for operational improvement.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for CITIZENS FINANCIAL SERVICES INC stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Accuracy scores show historical prediction reliability.

For CITIZENS FINANCIAL SERVICES INC: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for CITIZENS FINANCIAL SERVICES INC stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: CITIZENS FINANCIAL SERVICES INC's competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For CITIZENS FINANCIAL SERVICES INC: Strong free cash flow generation demonstrates developing operational efficiency.

CITIZENS FINANCIAL SERVICES INC strategically competes in the highly dynamic State Commercial Banks marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities .

The company demonstrates robust operational efficiency through strong free cash flow generation of $36 million annually.

CITIZENS FINANCIAL SERVICES INC (CZFS) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for CITIZENS FINANCIAL SERVICES INC stock analysis.

Loading CITIZENS FINANCIAL SERVICES INC comprehensive fundamental analysis and insider trading data...

Deep dive into CITIZENS FINANCIAL SERVICES INC's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if CITIZENS FINANCIAL SERVICES INC stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For CITIZENS FINANCIAL SERVICES INC: With a P/E ratio of 8.24, the market sees the stock as potentially undervalued.

P/E Ratio 8.24x

P/B Ratio 0.83x

Market Cap $260M

Dividend Yield 3.61%

EPS $6.62

Book Value/Share $65.29

Revenue/Share $21.63

Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently CITIZENS FINANCIAL SERVICES INC converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For CITIZENS FINANCIAL SERVICES INC: An ROE of 13.6% shows good shareholder value creation.

ROE 13.6%

ROA 1.3%

Net Margin 35.8%

EBT Margin 43.8%

Tax Rate 18.1%

Understanding Financial Health Metrics

What these metrics mean: These ratios assess CITIZENS FINANCIAL SERVICES INC's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For CITIZENS FINANCIAL SERVICES INC:

D/E Ratio 0.34x

Financial Leverage 10.74x

Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal CITIZENS FINANCIAL SERVICES INC's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For CITIZENS FINANCIAL SERVICES INC: Free cash flow of $36M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $37M

Free Cash Flow $36M

FCF/Sales 47.6%

CapEx/Sales 0.5%

Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively CITIZENS FINANCIAL SERVICES INC uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For CITIZENS FINANCIAL SERVICES INC: An asset turnover of 0.04x suggests room for improvement in asset utilization.

Asset Turnover 0.04x

Fixed Assets Turnover 4.5x

Understanding Financial Statement Data

What these metrics mean: Key figures from CITIZENS FINANCIAL SERVICES INC's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For CITIZENS FINANCIAL SERVICES INC: With annual revenue of $103M, CITIZENS FINANCIAL SERVICES INC demonstrates solid business size.

Income Statement ($ Millions)

Total Revenue $103M

SG&A Expense $37M

Balance Sheet Highlights (% Of Assets)

Cash & Short-term Investments 27%

Total Liabilities 91%

Accounts Receivable 0%

Dividend & Shareholder Information

Dividends Per Share $1.96

Payout Ratio 0.3%

Shares Outstanding 5M

Growth Metrics (YoY)

EPS Growth 9.1%

Latest CITIZENS FINANCIAL SERVICES INC Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting CITIZENS FINANCIAL SERVICES INC (CZFS) stock price and investment outlook.

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend

3y ago, source: Seeking Alpha

MANSFIELD, Pa., Sept. 1, 2022 /PRNewswire/ -- The Board of Directors of Citizens Financial Services, Inc. (CZFS), the bank holding company for First Citizens Community Bank (FCCB), recently declared a ...

CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2025 FINANCIAL RESULTS

5mon ago, source: Seeking Alpha

View original content:https://www.prnewswire.com/news-releases/citizens-financial-services-inc-reports-unaudited-first-quarter-2025-financial-results-302442046.html ...

Citizens Financial's to Report Q3 Earnings: What's in Store for the Stock?

4d ago, source: None

Citizens Financial Group, Inc. CFG is scheduled to report third-quarter 2025 results on Oct. 15, 2025, before the opening ...

Why Citizens Financial Group (CFG) is a Top Value Stock for the Long-Term

2h ago, source: None

Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both. Featuring daily updates of ...

Citizens Financial Group, Inc. Announces Date and Time Change for Third Quarter 2025 Results Conference Call

1y ago, source: Business Wire

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group (NYSE: CFG) today announced that it has changed the date and time of its third quarter 2025 conference call to discuss its financial results ...

Here's What to Expect From Citizens Financial’s Next Earnings Report

15d ago, source: None

Citizens Financial is gearing up to report its fiscal third-quarter results next month, with analysts forecasting robust ...

Citizens Financial Group, Inc. Declares Dividends on Preferred Stock

8mon ago, source: Business Wire

PROVIDENCE, R.I.--(BUSINESS WIRE)--Citizens Financial Group, Inc. (NYSE: CFG) announced that its board of directors has declared the following dividends on its preferred stock payable on April 7, 2025 ...

CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2025 FINANCIAL RESULTS

2mon ago, source: Nasdaq

View original content:https://www.prnewswire.com/news-releases/citizens-financial-services-inc-reports-unaudited-second-quarter-2025-financial-results-302517825.html ...

CITIZENS FINANCIAL SERVICES INC Competitors & Peer Analysis - Finance Sector

Comparative analysis of CITIZENS FINANCIAL SERVICES INC against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company	Ticker Symbol	90-Day AI Forecast	Market Cap (USD M)	P/E Ratio	P/B Ratio
Ameris Bancorp	ABCB	Unlock Forecast - 30 Days FREE Trial	$4998M	12.8x	1.3x
ACNB CORP	ACNB	Unlock Forecast - 30 Days FREE Trial	$446M	17.7x	1.1x
Amalgamated Financial Corp.	AMAL	Unlock Forecast - 30 Days FREE Trial	$1010M	10.8x	1.3x
ASSOCIATED BANC-CORP	ASB	Unlock Forecast - 30 Days FREE Trial	$4224M	30.3x	0.9x
ASSOCIATED BANC-CORP	ASBA	Unlock Forecast - 30 Days FREE Trial	$4123M	29.6x	0.9x
ASSOCIATED BANC-CORP	ASB-PE	Unlock Forecast - 30 Days FREE Trial	$3665M	26.3x	0.8x
ASSOCIATED BANC-CORP	ASB-PF	Unlock Forecast - 30 Days FREE Trial	$3588M	25.8x	0.8x
Atlantic Union Bankshares Corp	AUB	Unlock Forecast - 30 Days FREE Trial	$4896M	24.0x	1.0x
Atlantic Union Bankshares Corp	AUB-PA	Unlock Forecast - 30 Days FREE Trial	$3426M	16.8x	0.7x
BayFirst Financial Corp.	BAFN	Unlock Forecast - 30 Days FREE Trial	$41M	4.3x	0.4x
BANNER CORP	BANR	Unlock Forecast - 30 Days FREE Trial	$2156M	11.8x	1.2x
BayCom Corp	BCML	Unlock Forecast - 30 Days FREE Trial	$303M	12.5x	0.9x
Business First Bancshares, Inc.	BFST	Unlock Forecast - 30 Days FREE Trial	$675M	8.8x	0.8x
BAR HARBOR BANKSHARES	BHB	Unlock Forecast - 30 Days FREE Trial	$442M	11.2x	0.9x
Bank of New York Mellon Corp	BK	Unlock Forecast - 30 Days FREE Trial	$77974M	15.7x	1.8x
Bank of New York Mellon Corp	BK-PK	Unlock Forecast - 30 Days FREE Trial	$18771M	3.8x	0.4x
BANK OF SOUTH CAROLINA CORP	BKSC	Unlock Forecast - 30 Days FREE Trial	$88M	13.5x	2.1x
Bank of Marin Bancorp	BMRC	Unlock Forecast - 30 Days FREE Trial	$369M	53.4x	0.8x
BANK OF HAWAII CORP	BOH	Unlock Forecast - 30 Days FREE Trial	$2540M	14.8x	1.5x
BANK OF HAWAII CORP	BOH-PA	Unlock Forecast - 30 Days FREE Trial	$698M	4.1x	0.4x
BANK OF HAWAII CORP	BOH-PB	Unlock Forecast - 30 Days FREE Trial	$1049M	6.1x	0.6x
BANK OF THE JAMES FINANCIAL GROUP INC	BOTJ	Unlock Forecast - 30 Days FREE Trial	$72M	10.0x	1.0x
POPULAR, INC.	BPOP	Unlock Forecast - 30 Days FREE Trial	$8338M	11.6x	1.4x
POPULAR, INC.	BPOPM	Unlock Forecast - 30 Days FREE Trial	$1721M	2.4x	0.3x
POPULAR, INC.	BPOPO	Unlock Forecast - 30 Days FREE Trial	$1721M	2.4x	0.3x
Princeton Bancorp, Inc.	BPRN	Unlock Forecast - 30 Days FREE Trial	$206M	30.1x	0.8x
SIERRA BANCORP	BSRR	Unlock Forecast - 30 Days FREE Trial	$381M	9.4x	1.1x
Bank7 Corp.	BSVN	Unlock Forecast - 30 Days FREE Trial	$416M	9.4x	1.8x
Bridgewater Bancshares Inc	BWB	Unlock Forecast - 30 Days FREE Trial	$466M	12.3x	1.0x
Bridgewater Bancshares Inc	BWBBP	Unlock Forecast - 30 Days FREE Trial	$541M	14.2x	1.1x
Bankwell Financial Group, Inc.	BWFG	Unlock Forecast - 30 Days FREE Trial	$328M	15.7x	1.2x
BYLINE BANCORP, INC.	BY	Unlock Forecast - 30 Days FREE Trial	$1211M	10.2x	1.0x
CATHAY GENERAL BANCORP	CATY	Unlock Forecast - 30 Days FREE Trial	$3343M	11.4x	1.2x
COLONY BANKCORP INC	CBAN	Unlock Forecast - 30 Days FREE Trial	$281M	10.2x	1.0x
CB Financial Services, Inc.	CBFV	Unlock Forecast - 30 Days FREE Trial	$174M	15.0x	1.2x
COMMERCE BANCSHARES INC /MO/	CBSH	Unlock Forecast - 30 Days FREE Trial	$7294M	14.9x	3.0x
COASTAL FINANCIAL CORP	CCB	Unlock Forecast - 30 Days FREE Trial	$1657M	34.8x	3.6x
CAPITAL CITY BANK GROUP INC	CCBG	Unlock Forecast - 30 Days FREE Trial	$696M	12.0x	1.3x
MUNCY COLUMBIA FINANCIAL Corp	CCFN	Unlock Forecast - 30 Days FREE Trial	$177M	8.7x	1.0x
CNB FINANCIAL CORP/PA	CCNE	Unlock Forecast - 30 Days FREE Trial	$494M	9.1x	0.8x
CNB FINANCIAL CORP/PA	CCNEP	Unlock Forecast - 30 Days FREE Trial	$524M	9.6x	0.8x
C & F FINANCIAL CORP	CFFI	Unlock Forecast - 30 Days FREE Trial	$212M	8.7x	0.9x
CITIZENS FINANCIAL GROUP INC/RI	CFG	Unlock Forecast - 30 Days FREE Trial	$22077M	13.9x	0.9x
CITIZENS FINANCIAL GROUP INC/RI	CFG-PE	Unlock Forecast - 30 Days FREE Trial	$9031M	5.7x	0.4x
CITIZENS FINANCIAL GROUP INC/RI	CFG-PH	Unlock Forecast - 30 Days FREE Trial	$11515M	7.2x	0.5x
CHEMUNG FINANCIAL CORP	CHMG	Unlock Forecast - 30 Days FREE Trial	$241M	21.5x	1.0x
ConnectOne Bancorp, Inc.	CNOB	Unlock Forecast - 30 Days FREE Trial	$1247M	33.3x	0.8x
ConnectOne Bancorp, Inc.	CNOBP	Unlock Forecast - 30 Days FREE Trial	$1209M	32.3x	0.8x
CHOICEONE FINANCIAL SERVICES INC	COFS	Unlock Forecast - 30 Days FREE Trial	$406M	28.7x	0.9x
COLUMBIA BANKING SYSTEM, INC.	COLB	Unlock Forecast - 30 Days FREE Trial	$5405M	10.2x	1.0x
CoastalSouth Bancshares, Inc.	COSO	Unlock Forecast - 30 Days FREE Trial	$227M	x	1.1x
CENTRAL PACIFIC FINANCIAL CORP	CPF	Unlock Forecast - 30 Days FREE Trial	$775M	12.8x	1.4x
CSB Bancorp, Inc.	CSBB	Unlock Forecast - 30 Days FREE Trial	$132M	10.3x	1.1x
COMMUNITY TRUST BANCORP INC /KY/	CTBI	Unlock Forecast - 30 Days FREE Trial	$965M	10.6x	1.2x
Customers Bancorp, Inc.	CUBB	Unlock Forecast - 30 Days FREE Trial	$693M	4.7x	0.4x
Customers Bancorp, Inc.	CUBI	Unlock Forecast - 30 Days FREE Trial	$2109M	14.3x	1.1x
Customers Bancorp, Inc.	CUBI-PF	Unlock Forecast - 30 Days FREE Trial	$821M	5.6x	0.4x
CVB FINANCIAL CORP	CVBF	Unlock Forecast - 30 Days FREE Trial	$2574M	12.6x	1.2x
Community West Bancshares	CWBC	Unlock Forecast - 30 Days FREE Trial	$380M	14.4x	1.0x
CITIZENS FINANCIAL SERVICES INC	CZFS	Unlock Forecast - 30 Days FREE Trial	$260M	8.2x	0.8x
CITIZENS & NORTHERN CORP	CZNC	Unlock Forecast - 30 Days FREE Trial	$299M	11.1x	1.0x
Eagle Bancorp Montana, Inc.	EBMT	Unlock Forecast - 30 Days FREE Trial	$133M	10.5x	0.7x
ENTERPRISE FINANCIAL SERVICES CORP	EFSC	Unlock Forecast - 30 Days FREE Trial	$2117M	10.5x	1.1x
ENTERPRISE FINANCIAL SERVICES CORP	EFSCP	Unlock Forecast - 30 Days FREE Trial	$751M	3.7x	0.4x
EAGLE FINANCIAL SERVICES INC	EFSI	Unlock Forecast - 30 Days FREE Trial	$193M	24.5x	1.1x
EAGLE BANCORP INC	EGBN	Unlock Forecast - 30 Days FREE Trial	$614M	-22.5x	0.5x
Embassy Bancorp, Inc.	EMYB	Unlock Forecast - 30 Days FREE Trial	$132M	11.3x	1.2x
EQUITY BANCSHARES INC	EQBK	Unlock Forecast - 30 Days FREE Trial	$715M	10.7x	1.1x
EAST WEST BANCORP INC	EWBC	Unlock Forecast - 30 Days FREE Trial	$14070M	11.8x	1.7x
FIRST BUSINESS FINANCIAL SERVICES, INC.	FBIZ	Unlock Forecast - 30 Days FREE Trial	$406M	8.5x	1.2x
FB Financial Corp	FBK	Unlock Forecast - 30 Days FREE Trial	$2623M	29.0x	1.6x
FIRST BANCORP /NC/	FBNC	Unlock Forecast - 30 Days FREE Trial	$2084M	21.4x	1.3x
FIRST BANCORP /PR/	FBP	Unlock Forecast - 30 Days FREE Trial	$3500M	11.4x	1.9x
FIRST COMMUNITY BANKSHARES INC /VA/	FCBC	Unlock Forecast - 30 Days FREE Trial	$600M	12.0x	1.2x
FIRST COMMUNITY CORP /SC/	FCCO	Unlock Forecast - 30 Days FREE Trial	$206M	11.9x	1.3x
FIRST CITIZENS BANCSHARES INC /DE/	FCNCA	Unlock Forecast - 30 Days FREE Trial	$23239M	9.7x	1.0x
FIRST CITIZENS BANCSHARES INC /DE/	FCNCB	Unlock Forecast - 30 Days FREE Trial	$20912M	8.7x	0.9x
FIRST CITIZENS BANCSHARES INC /DE/	FCNCO	Unlock Forecast - 30 Days FREE Trial	$302M	0.1x	0.0x
FIRST CITIZENS BANCSHARES INC /DE/	FCNCP	Unlock Forecast - 30 Days FREE Trial	$298M	0.1x	0.0x
FLUSHING FINANCIAL CORP	FFIC	Unlock Forecast - 30 Days FREE Trial	$453M	19.5x	0.6x
FIRST FINANCIAL BANKSHARES INC	FFIN	Unlock Forecast - 30 Days FREE Trial	$4706M	19.2x	2.7x
First Foundation Inc.	FFWM	Unlock Forecast - 30 Days FREE Trial	$456M	-23.9x	0.4x
FIRST HAWAIIAN, INC.	FHB	Unlock Forecast - 30 Days FREE Trial	$3056M	12.4x	1.1x
FIRST INTERSTATE BANCSYSTEM INC	FIBK	Unlock Forecast - 30 Days FREE Trial	$3273M	14.3x	1.0x
Finwise Bancorp	FINW	Unlock Forecast - 30 Days FREE Trial	$246M	18.2x	1.4x
FIFTH THIRD BANCORP	FITB	Unlock Forecast - 30 Days FREE Trial	$27994M	12.0x	1.3x
FIFTH THIRD BANCORP	FITBI	Unlock Forecast - 30 Days FREE Trial	$17321M	7.4x	0.8x
FIFTH THIRD BANCORP	FITBO	Unlock Forecast - 30 Days FREE Trial	$13973M	6.0x	0.7x
FIFTH THIRD BANCORP	FITBP	Unlock Forecast - 30 Days FREE Trial	$16559M	7.1x	0.8x
FIRST KEYSTONE CORP	FKYS	Unlock Forecast - 30 Days FREE Trial	$106M	13.7x	1.0x
FIRST MID BANCSHARES, INC.	FMBH	Unlock Forecast - 30 Days FREE Trial	$850M	10.1x	1.0x
F&M BANK CORP	FMBM	Unlock Forecast - 30 Days FREE Trial	$96M	11.3x	1.0x
FARMERS NATIONAL BANC CORP /OH/	FMNB	Unlock Forecast - 30 Days FREE Trial	$517M	10.3x	1.2x
FRANKLIN FINANCIAL SERVICES CORP /PA/	FRAF	Unlock Forecast - 30 Days FREE Trial	$199M	13.7x	1.3x
FIVE STAR BANCORP	FSBC	Unlock Forecast - 30 Days FREE Trial	$665M	12.8x	1.6x
FIRST US BANCSHARES, INC.	FUSB	Unlock Forecast - 30 Days FREE Trial	$76M	9.8x	0.7x
FIRST NATIONAL CORP /VA/	FXNC	Unlock Forecast - 30 Days FREE Trial	$196M	24.7x	1.1x
GERMAN AMERICAN BANCORP, INC.	GABC	Unlock Forecast - 30 Days FREE Trial	$1418M	16.5x	1.3x
GLACIER BANCORP, INC.	GBCI	Unlock Forecast - 30 Days FREE Trial	$5617M	25.5x	1.6x
GBank Financial Holdings Inc.	GBFH	Unlock Forecast - 30 Days FREE Trial	$576M	x	3.8x
GREAT SOUTHERN BANCORP, INC.	GSBC	Unlock Forecast - 30 Days FREE Trial	$683M	10.0x	1.1x
HILLS BANCORPORATION	HBIA	Unlock Forecast - 30 Days FREE Trial	$780M	13.9x	1.5x
HORIZON BANCORP INC /IN/	HBNC	Unlock Forecast - 30 Days FREE Trial	$662M	12.8x	0.8x
HBT Financial, Inc.	HBT	Unlock Forecast - 30 Days FREE Trial	$742M	9.7x	1.3x
Hanover Bancorp, Inc. /NY	HNVR	Unlock Forecast - 30 Days FREE Trial	$159M	13.9x	0.8x
HOME BANCSHARES INC	HOMB	Unlock Forecast - 30 Days FREE Trial	$5384M	15.8x	1.3x
HarborOne Bancorp, Inc.	HONE	Unlock Forecast - 30 Days FREE Trial	$579M	22.0x	1.0x
HERITAGE COMMERCE CORP	HTBK	Unlock Forecast - 30 Days FREE Trial	$584M	14.9x	0.8x
Hilltop Holdings Inc.	HTH	Unlock Forecast - 30 Days FREE Trial	$2086M	14.6x	1.0x
HANCOCK WHITNEY CORP	HWC	Unlock Forecast - 30 Days FREE Trial	$5214M	13.1x	1.2x
HANCOCK WHITNEY CORP	HWCPZ	Unlock Forecast - 30 Days FREE Trial	$2100M	5.5x	0.5x
INDEPENDENT BANK CORP /MI/	IBCP	Unlock Forecast - 30 Days FREE Trial	$1274M	19.7x	2.7x
INTERNATIONAL BANCSHARES CORP	IBOC	Unlock Forecast - 30 Days FREE Trial	$4161M	10.1x	1.4x
First Internet Bancorp	INBK	Unlock Forecast - 30 Days FREE Trial	$185M	12.0x	0.5x
First Internet Bancorp	INBKZ	Unlock Forecast - 30 Days FREE Trial	$218M	14.1x	0.6x
INDEPENDENT BANK CORP	INDB	Unlock Forecast - 30 Days FREE Trial	$2925M	15.5x	1.0x
ISABELLA BANK CORP	ISBA	Unlock Forecast - 30 Days FREE Trial	$268M	16.5x	1.2x
Investar Holding Corp	ISTR	Unlock Forecast - 30 Days FREE Trial	$220M	9.9x	0.9x
John Marshall Bancorp, Inc.	JMSB	Unlock Forecast - 30 Days FREE Trial	$265M	14.0x	1.0x
LAKELAND FINANCIAL CORP	LKFN	Unlock Forecast - 30 Days FREE Trial	$1598M	16.9x	2.3x
LINKBANCORP, Inc.	LNKB	Unlock Forecast - 30 Days FREE Trial	$274M	71.1x	1.0x
Live Oak Bancshares, Inc.	LOB	Unlock Forecast - 30 Days FREE Trial	$1628M	29.0x	1.5x
MIDDLEFIELD BANC CORP	MBCN	Unlock Forecast - 30 Days FREE Trial	$221M	12.2x	1.0x
Merchants Bancorp	MBIN	Unlock Forecast - 30 Days FREE Trial	$1456M	5.8x	0.7x
Merchants Bancorp	MBINL	Unlock Forecast - 30 Days FREE Trial	$1061M	4.2x	0.5x
Merchants Bancorp	MBINM	Unlock Forecast - 30 Days FREE Trial	$1141M	4.5x	0.5x
Merchants Bancorp	MBINN	Unlock Forecast - 30 Days FREE Trial	$944M	3.7x	0.4x
MERCANTILE BANK CORP	MBWM	Unlock Forecast - 30 Days FREE Trial	$717M	8.8x	1.1x
Metropolitan Bank Holding Corp.	MCB	Unlock Forecast - 30 Days FREE Trial	$819M	11.9x	1.1x
MetroCity Bankshares, Inc.	MCBS	Unlock Forecast - 30 Days FREE Trial	$675M	10.2x	1.6x
MainStreet Bancshares, Inc.	MNSB	Unlock Forecast - 30 Days FREE Trial	$146M	11.1x	0.7x
MainStreet Bancshares, Inc.	MNSBP	Unlock Forecast - 30 Days FREE Trial	$192M	13.3x	0.9x
MidWestOne Financial Group, Inc.	MOFG	Unlock Forecast - 30 Days FREE Trial	$583M	-84.8x	1.0x
MID PENN BANCORP INC	MPB	Unlock Forecast - 30 Days FREE Trial	$620M	14.1x	0.8x
M&T BANK CORP	MTB	Unlock Forecast - 30 Days FREE Trial	$29691M	11.0x	1.0x
M&T BANK CORP	MTB-PH	Unlock Forecast - 30 Days FREE Trial	$4024M	1.5x	0.1x
M&T BANK CORP	MTB-PJ	Unlock Forecast - 30 Days FREE Trial	$4363M	1.6x	0.2x
MVB FINANCIAL CORP	MVBF	Unlock Forecast - 30 Days FREE Trial	$347M	20.3x	1.2x
First Western Financial Inc	MYFW	Unlock Forecast - 30 Days FREE Trial	$216M	18.7x	0.8x
NORTHPOINTE BANCSHARES INC	NPB	Unlock Forecast - 30 Days FREE Trial	$572M	x	1.0x
NORTHERN TRUST CORP	NTRS	Unlock Forecast - 30 Days FREE Trial	$24738M	14.3x	1.9x
NORTHERN TRUST CORP	NTRSO	Unlock Forecast - 30 Days FREE Trial	$3881M	2.2x	0.3x
NORWOOD FINANCIAL CORP	NWFL	Unlock Forecast - 30 Days FREE Trial	$227M	71.5x	1.0x
NEW PEOPLES BANKSHARES INC	NWPP	Unlock Forecast - 30 Days FREE Trial	$76M	8.3x	1.0x
Origin Bancorp, Inc.	OBK	Unlock Forecast - 30 Days FREE Trial	$1034M	14.8x	0.9x
Orange County Bancorp, Inc. /DE/	OBT	Unlock Forecast - 30 Days FREE Trial	$314M	10.6x	1.2x
OFG BANCORP	OFG	Unlock Forecast - 30 Days FREE Trial	$1922M	9.9x	1.4x
OP Bancorp	OPBK	Unlock Forecast - 30 Days FREE Trial	$194M	8.7x	0.9x
ORRSTOWN FINANCIAL SERVICES INC	ORRF	Unlock Forecast - 30 Days FREE Trial	$632M	14.6x	1.2x
OLD SECOND BANCORP INC	OSBC	Unlock Forecast - 30 Days FREE Trial	$787M	9.4x	1.1x
Oak Valley Bancorp	OVLY	Unlock Forecast - 30 Days FREE Trial	$219M	9.0x	1.2x
PROSPERITY BANCSHARES INC	PB	Unlock Forecast - 30 Days FREE Trial	$6138M	11.7x	0.8x
PCB BANCORP	PCB	Unlock Forecast - 30 Days FREE Trial	$285M	9.0x	0.8x
PEOPLES BANCORP OF NORTH CAROLINA INC	PEBK	Unlock Forecast - 30 Days FREE Trial	$158M	9.3x	1.1x
PEOPLES BANCORP INC	PEBO	Unlock Forecast - 30 Days FREE Trial	$1011M	9.7x	0.9x
PEOPLES FINANCIAL CORP /MS/	PFBX	Unlock Forecast - 30 Days FREE Trial	$93M	4.8x	1.0x
PARKE BANCORP, INC.	PKBK	Unlock Forecast - 30 Days FREE Trial	$242M	7.8x	0.8x
Prime Meridian Holding Co	PMHG	Unlock Forecast - 30 Days FREE Trial	$174M	21.4x	2.0x
QCR HOLDINGS INC	QCRH	Unlock Forecast - 30 Days FREE Trial	$1187M	10.5x	1.1x
QNB CORP.	QNBC	Unlock Forecast - 30 Days FREE Trial	$132M	10.2x	1.2x
RBB Bancorp	RBB	Unlock Forecast - 30 Days FREE Trial	$307M	13.4x	0.6x
REPUBLIC BANCORP INC /KY/	RBCAA	Unlock Forecast - 30 Days FREE Trial	$1365M	11.0x	1.3x
Richmond Mutual Bancorporation, Inc.	RMBI	Unlock Forecast - 30 Days FREE Trial	$141M	14.8x	1.1x
RENASANT CORP	RNST	Unlock Forecast - 30 Days FREE Trial	$3403M	21.3x	0.9x
River Financial Corp	RVRF	Unlock Forecast - 30 Days FREE Trial	$278M	7.2x	1.1x
SEACOAST BANKING CORP OF FLORIDA	SBCF	Unlock Forecast - 30 Days FREE Trial	$2621M	18.9x	1.2x
SOUTHSIDE BANCSHARES INC	SBSI	Unlock Forecast - 30 Days FREE Trial	$830M	9.7x	1.0x
ServisFirst Bancshares, Inc.	SFBS	Unlock Forecast - 30 Days FREE Trial	$4267M	17.1x	2.5x
SECURITY FEDERAL CORP	SFDL	Unlock Forecast - 30 Days FREE Trial	$98M	8.5x	0.5x
Skyline Bankshares, Inc.	SLBK	Unlock Forecast - 30 Days FREE Trial	$100M	9.2x	1.0x
SOUTH PLAINS FINANCIAL, INC.	SPFI	Unlock Forecast - 30 Days FREE Trial	$634M	11.6x	1.4x
1ST SOURCE CORP	SRCE	Unlock Forecast - 30 Days FREE Trial	$1526M	10.8x	1.3x
SouthState Bank Corp	SSB	Unlock Forecast - 30 Days FREE Trial	$9797M	16.6x	1.1x
STATE STREET CORP	STT	Unlock Forecast - 30 Days FREE Trial	$33297M	11.7x	1.2x
STATE STREET CORP	STT-PG	Unlock Forecast - 30 Days FREE Trial	$6672M	2.3x	0.2x
Stock Yards Bancorp, Inc.	SYBT	Unlock Forecast - 30 Days FREE Trial	$1966M	15.3x	2.0x
TEXAS CAPITAL BANCSHARES INC/TX	TCBI	Unlock Forecast - 30 Days FREE Trial	$3830M	28.6x	1.1x
TEXAS CAPITAL BANCSHARES INC/TX	TCBIO	Unlock Forecast - 30 Days FREE Trial	$961M	7.2x	0.3x
TRICO BANCSHARES /	TCBK	Unlock Forecast - 30 Days FREE Trial	$1400M	12.5x	1.1x
Tectonic Financial, Inc.	TECTP	Unlock Forecast - 30 Days FREE Trial	$76M	4.6x	0.7x
Triumph Financial, Inc.	TFIN	Unlock Forecast - 30 Days FREE Trial	$1114M	81.8x	1.2x
TOMPKINS FINANCIAL CORP	TMP	Unlock Forecast - 30 Days FREE Trial	$0M	47.6x	0.0x
TRUSTCO BANK CORP N Y	TRST	Unlock Forecast - 30 Days FREE Trial	$666M	12.5x	1.0x
Tri-County Financial Group, Inc.	TYFG	Unlock Forecast - 30 Days FREE Trial	$111362M	x	747.3x
UNITED BANKSHARES INC/WV	UBSI	Unlock Forecast - 30 Days FREE Trial	$5140M	13.0x	1.0x
UNITED COMMUNITY BANKS INC	UCB	Unlock Forecast - 30 Days FREE Trial	$3824M	14.0x	1.1x
UNITED COMMUNITY BANKS INC	UCB-PI	Unlock Forecast - 30 Days FREE Trial	$3035M	11.1x	0.8x
UNITY BANCORP INC /NJ/	UNTY	Unlock Forecast - 30 Days FREE Trial	$477M	9.4x	1.5x
UNIVEST FINANCIAL Corp	UVSP	Unlock Forecast - 30 Days FREE Trial	$832M	10.4x	0.9x
UWHARRIE CAPITAL CORP	UWHR	Unlock Forecast - 30 Days FREE Trial	$85M	8.4x	1.6x
Veritex Holdings, Inc.	VBTX	Unlock Forecast - 30 Days FREE Trial	$3384M	29.2x	2.1x
WESTERN ALLIANCE BANCORPORATION	WAL	Unlock Forecast - 30 Days FREE Trial	$8998M	10.6x	1.3x
WESTERN ALLIANCE BANCORPORATION	WAL-PA	Unlock Forecast - 30 Days FREE Trial	$2448M	2.9x	0.3x
WASHINGTON TRUST BANCORP INC	WASH	Unlock Forecast - 30 Days FREE Trial	$511M	13.8x	1.0x
WEST BANCORPORATION INC	WTBA	Unlock Forecast - 30 Days FREE Trial	$327M	11.3x	1.4x
WINTRUST FINANCIAL CORP	WTFC	Unlock Forecast - 30 Days FREE Trial	$8699M	11.8x	1.2x
WINTRUST FINANCIAL CORP	WTFCN	Unlock Forecast - 30 Days FREE Trial	$1787M	2.4x	0.3x

Frequently Asked Questions - CITIZENS FINANCIAL SERVICES INC Stock Forecast

How accurate are CITIZENS FINANCIAL SERVICES INC stock predictions?

Our AI model demonstrates 54% historical accuracy for CZFS predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

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Our analysis considers CITIZENS FINANCIAL SERVICES INC's financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is CITIZENS FINANCIAL SERVICES INC a good investment in 2025?

Based on our AI analysis, CITIZENS FINANCIAL SERVICES INC shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

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CITIZENS FINANCIAL SERVICES INC (CZFS) AI Stock Price Forecast & Investment Analysis ⛶Full Screen

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