CZFS Stock Analysis: Buy, Sell, or Hold?
CZFS - Citizens Financial Services, Inc. Common Stock
$63.25
1.42 (2.30%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 24, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: CZFS shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: CZFS shows positive signals but monitor for confirmation. Market pricing in 0.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$74.34
Based on 3.3% avg growth
INTRINSIC VALUE TODAY
$46.16
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CZFS is currently trading at $63.25, which is considered slightly high relative to its 30-day fair value range of $57.55 to $64.04. The stock's valuation (Forward PE: 8.0) is in line with its historical norms (8.0). Remarkably, the market is currently pricing in an annual earnings decline of 0.1% over the next few years. This pessimistic expectation contrasts with the company's recent 32.8% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CZFS is showing sideways momentum. Immediate support is located at $57.00, while resistance sits at $69.30.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CZFS is showing sideways momentum. Immediate support is located at $57.00, while resistance sits at $69.30.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$57.55 -
$64.04
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($65.00)
Fair Price Analysis
30-Day Fair Range
$57.55 -
$64.04
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$57.00
Resistance Level
$69.30
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
8.01
Wall Street Target
$65.00
(+2.8%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
32.8%
Profit Margin
31.7%
Valuation Discount vs History
-0.1% cheaper
PE vs Historical
8.0 vs 8.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.1%
(market-implied from PE analysis)
1-Year Target
$63.19
(0%)
2-Year Target
$63.12
(0%)
3-Year Target
$63.06
(0%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$63.01
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 2.6%)
$190.26
(+201%)
Base:
(SPY PE: 8.0, Growth: 2.6%)
$68.31
(+8%)
Bear:
(PE: 6.8, Growth: 2.6%)
$58.06
(-8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 8.61 | Current EPS (TTM): $7.10
Bull Case
$72.95
(+15%)
Analyst growth 8.5%, PE expands to 9.5
Base Case
$66.32
(+5%)
Market implied 8.5%, PE stable at 8.6
Bear Case
$41.58
(-34%)
Severe decline -20.0%, PE contracts to 7.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: February 01, 2026 3:39 AM ET
Data refreshes hourly during market hours. Next update: 4:39 AM
Data refreshes hourly during market hours. Next update: 4:39 AM
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Technical Signals Check
Is CZFS showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Stephen J Guillaume
BUY
13 shares
2025-08-31
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Advanced CZFS Option Strategies
Professional options setups generated by AI based on today's CZFS price and gamma walls.
