Citizens Financial Services, Inc. (CZFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$86.04-1.44%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · CZFS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.5% |
| Our one-year growth estimate | diamond | -19.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
CZFS — CEO transition
Dated 2026-06-22
Director — John D. Behm: Appointment of John D. Behm to the Company’s Board of Directors.
Why it matters: Loans grew 6.8% year over year through September. Continued growth would support the bank's stated loan and income goal, while a slowdown could weigh on it.
Watch forA later quarterly release shows loans up at least 6.8% year over year.
Also watch forA later quarterly release shows loans up less than 6.8% year over year or down.
Why it matters: The sector growth trend is easing, though the sector remains in a growth phase. A drop below its median would mark a clearer slowdown.
Worry ifThe sector update reports revenue growth below its median.
Less concerning ifThe sector update reports revenue growth at or above its median.
Why it matters: The score fell from 41.4 to 13.0 after fresh earnings. Another drop would confirm that reported results have not restored recent momentum.
Worry ifThe next earnings refresh lowers the company momentum score below 13.0.
Less concerning ifThe next earnings refresh raises the company momentum score above 13.0.
Why it matters: Non-performing assets rose to $51.5 million in Q3, led by past-due commercial real estate loans. A further rise would add pressure from credit losses.
Worry ifQ4 non-performing assets exceed $51.5 million, or exceed 2.16% of loans.
Less concerning ifQ4 non-performing assets fall below $51.5 million and below 2.16% of loans.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$108 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $322 loss on $10,000 · 3.2% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,364 loss on $10,000 · 13.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The supplied priority calls for a $0.50 dividend, and Q3's declared dividend was $0.51. A cut below $0.50 would reverse that level.
Worry ifThe next board declaration sets a quarterly cash dividend of at least $0.51 per share.
Less concerning ifThe next board declaration sets a quarterly cash dividend below $0.50 per share.