Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
Quick Stats
Feb 02, 202659.9
AI Score
HOLD1.83
Volume Ratio
Apr 24, 2026
Next Earnings
15
+ve Days (30d)
15
-ve Days (30d)
CZFS Stock Summary
Last updated Feb 02, 2026
CZFS is currently trading at $65.36, positioned above its 200-day moving average of $58.65, indicating a long-term uptrend. The stock has a 52-week range of $49.9604 to $69.3.
Technical Analysis: The 50-day moving average stands at $59.66, which is below the current price, signaling bullish near-term momentum. The RSI (Relative Strength Index) reads 61.086, suggesting the stock is neutral with balanced momentum.
Money Flow Indicators: The Chaikin Money Flow (20-day) is 0.253, which is positive, indicating accumulation by institutional investors. Our AI-powered investment score rates CZFS at 59.9/100 with a HOLD recommendation.
CZFS (Citizens Financial Services, Inc. Common Stock) Indicators
Last updated Feb 02, 2026
| Indicator | Value |
|---|---|
| RSI(14) | 61.086 |
| CMF (20) | 0.253 |
| ROC (10) | 1.491 |
| ADX (14) | 33.246 |
| Indicator | Value |
|---|---|
| MACD (12,26,9) | 1.321 |
| AROONOSC (14) | -42.857 |
| WILLAMS %R (14) | -32.033 |
| MFI (14) | 59.259 |
CZFS Technical Chart
- Candlesticks: Green = price up, Red = price down. Body shows open/close, wicks show high/low.
- SMAs: Moving averages help identify trends. Price above SMA = bullish, below = bearish.
- Options OI: Shows max open interest strikes. High OI = significant price levels.
- Volume Profile: Shows price levels with most trading activity. POC = Point of Control (highest volume).
- Earnings: Vertical lines mark earnings dates. Watch for volatility around these dates.
- Gamma Walls: Key support/resistance from options gamma exposure. Orange = resistance above, Purple = support below.
- Fibonacci Retracement: Auto-calculated support/resistance levels based on recent high/low. Key levels: 23.6%, 38.2%, 50%, 61.8%, 78.6%.
- Unusual Activity: Highlights days with abnormal volume (2x+ average) or large price moves (5%+). Red marker = unusual activity detected.
Technical Indicators
Select indicators above to analyze technical patterns
Indicators will appear below the price chart with perfectly aligned datesVolume Profile Analysis
Horizontal histogram showing volume distribution at each price level with buying/selling pressure
CZFS Price vs Max Options Open Interest
CZFS Max Change In Options Open Interest
CZFS Options - Sort by Max open Interest (near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
CZFS Daily Out of Money Options - Sort by Max open Interest (near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
CZFS Daily In the Money Options - Sort by Max open Interest (near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | OI | Change in OI |
Volume | Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
CZFS Most Active Options by Volume(near term)
2nd February 2026 (Data is delayed in normal mkt. hours)
| Type | Expiration | Strike | Volume | OI | Change in OI |
Ask | PC | Delta | Vega | Volatility | % change | Track |
|---|
Citizens Financial Services, Inc. Common Stock is above both 50 Day and 200 Day SMA which is considered Bullish.
CZFS Moving Averages Analysis
Citizens Financial Services, Inc. Common Stock has been above 50 day sma 1 times in last 30 days. Last time it was above 50 day sma was on Feb 02, 2026
Citizens Financial Services, Inc. Common Stock has been above 200 day sma 1 times in last 30 days. Last time it was above 200 day sma was on Feb 02, 2026
CZFS (Citizens Financial Services, Inc. Common Stock) Simple Moving Averages
Moving Averages are last updated Feb 02, 2026
| Days | MA |
|---|---|
| 10 | 64.09 |
| 20 | 62.05 |
| 30 | 60.78 |
| 50 | 59.66 |
| 100 | 58.73 |
| 200 | 58.65 |
CZFS Fundamental Analysis
| P/E (Forward) | 9.2678 |
| P/E (Trailing) | 8.9085 |
| Market Cap ($) | 304.0 million |
| Earnings/Share ($) | 7.1 |
| Net Proft Margin (%) | 0.3326 |
| Dividend/Share ($) | 1.99 |
| EPS Estimate Current Year ($) | 7.7 |
| EPS Estimate Next Year ($) | 7.9 |
| WallStreet Target Price ($) | 65 |
| Most Recent Quarter |