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1. Company Snapshot

1.a. Company Description

Citizens Financial Services, Inc.operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers.The company accepts various deposit products, such as checking, savings, and time deposit accounts.


Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services.The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts.In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products.


As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania.Citizens Financial Services, Inc.was founded in 1932 and is headquartered in Mansfield, Pennsylvania.

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1.b. Last Insights on CZFS

Citizens Financial Services' recent performance was driven by strong Q1 earnings, exceeding analyst expectations with a $1.60 per share beat. The company's net income growth, up 8.2% year-over-year, was a notable highlight. Additionally, the company's loan growth, which increased by 10.5% year-over-year, demonstrates its ability to expand its customer base and drive revenue. Furthermore, the company's solid capital position, with a Tier 1 leverage ratio of 10.3%, provides a strong foundation for future growth.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Citizens Financial Services (CZFS) Q3 Earnings Top Estimates

Oct -30

Source: zacks.com

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

Oct -30

Source: prnewswire.com

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Best Income Stocks to Buy for September 24th

Sep -24

Source: zacks.com

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Citizens Financial Services: An Underappreciated Prospect With Upside

Sep -22

Source: seekingalpha.com

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Citizens Financial Services: A Review 3 Years After The Uplisting

Sep -11

Source: seekingalpha.com

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New Strong Buy Stocks for September 10th

Sep -10

Source: zacks.com

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Best Value Stocks to Buy for September 10th

Sep -10

Source: zacks.com

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Best Income Stocks to Buy for September 10th

Sep -10

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (3.00%)

6. Segments

Community Banking

Expected Growth: 3.0%

Citizens Financial Services, Inc.'s 3.0% growth in Community Banking is driven by strategic branch expansion, increased digital banking adoption, and a focus on customer relationships. Additionally, the bank's commitment to community development and small business lending has contributed to its growth. Furthermore, effective cost management and a strong risk management framework have enabled the bank to maintain a stable net interest margin, supporting its overall growth.

7. Detailed Products

Consumer Banking

Provides personal banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Commercial Banking

Offers financial solutions to businesses, including cash management, lending, and trade finance.

Wealth Management

Provides investment and wealth management services, including brokerage, investment advisory, and trust services.

Mortgage Banking

Originates, sells, and services residential mortgages, as well as provides mortgage refinancing and home equity loans.

Treasury Services

Provides cash management and treasury services to businesses, including account services, payment services, and trade finance.

Capital Markets

Provides investment banking, debt and equity capital markets, and derivatives services to corporations and financial institutions.

8. Citizens Financial Services, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Citizens Financial Services, Inc. operates in a highly competitive industry, with many established players offering similar services. However, the company's strong brand recognition and customer loyalty mitigate the threat of substitutes.

Bargaining Power Of Customers

Citizens Financial Services, Inc. has a large customer base, but individual customers do not have significant bargaining power due to the company's diversified customer portfolio.

Bargaining Power Of Suppliers

Citizens Financial Services, Inc. has a diverse supplier base, and no single supplier has significant bargaining power over the company.

Threat Of New Entrants

The financial services industry is highly regulated, and new entrants face significant barriers to entry, including high capital requirements and regulatory hurdles. However, fintech companies and digital banks pose a threat to traditional banks like Citizens Financial Services, Inc.

Intensity Of Rivalry

The financial services industry is highly competitive, with many established players competing for market share. Citizens Financial Services, Inc. faces intense competition from other banks, fintech companies, and digital banks.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 53.66%
Debt Cost 5.50%
Equity Weight 46.34%
Equity Cost 6.00%
WACC 5.73%
Leverage 115.79%

11. Quality Control: Citizens Financial Services, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Tompkins Financial

A-Score: 6.2/10

Value: 6.1

Growth: 4.4

Quality: 6.3

Yield: 8.0

Momentum: 6.0

Volatility: 6.7

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Citizens Financial Services

A-Score: 6.0/10

Value: 7.0

Growth: 5.1

Quality: 5.5

Yield: 7.0

Momentum: 6.5

Volatility: 4.7

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Value: 8.9

Growth: 1.0

Quality: 6.1

Yield: 2.0

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Carter Bankshares

A-Score: 4.9/10

Value: 5.7

Growth: 4.3

Quality: 5.9

Yield: 0.0

Momentum: 6.0

Volatility: 7.7

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Greene County Bancorp

A-Score: 4.6/10

Value: 5.4

Growth: 6.6

Quality: 6.8

Yield: 3.0

Momentum: 1.0

Volatility: 5.0

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First Foundation

A-Score: 3.6/10

Value: 9.2

Growth: 1.8

Quality: 3.9

Yield: 1.0

Momentum: 2.0

Volatility: 4.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

56.75$

Current Price

56.75$

Potential

-0.00%

Expected Cash-Flows