Citizens Financial Services, Inc. (CZFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$82.92-0.80%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -14.7% |
| Our one-year growth estimate | diamond | -17.0% |
Growth built into the price is above our model estimate.
The price assumes 2.3 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
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.
Model as of 2026-09-04 · Compared with 219 industry peers
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: Loan growth helps net interest income and overall profits. It shows market demand.
Supportive ifQ3 loan growth exceeds 6.8% year over year.
Worry ifQ3 loan growth falls below 6.8% year over year.
Why it matters: Slower loan growth may mean less demand or more competition in the market.
Worry ifLoan growth is less than 2% year over year.
Less concerning ifLoan growth exceeds 2% year over year, suggesting strong demand.
Why it matters: Strong net interest income growth shows the bank is managing loans and interest rates well.
Supportive ifQ3 net interest income grows year over year by more than 10%.
Worry ifNet interest income growth is less than 5% year over year.
Why it matters: A drop in revenue growth below the median could signal a slowdown in the financial sector.
Worry ifSector revenue growth drops below 12% year over year.
Less concerning ifSector revenue growth remains above 15% year over year.
Why it matters: Revenue growth is a key indicator of the company's health. A drop could signal trouble.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth stays above the median of 15% year over year.
Why it matters: Keeping or raising the dividend shows strength and helps shareholders.
Supportive ifDividend per share remains at $0.51 or increases in Q3 2026.
Worry ifDividend per share decreases below $0.51 in Q3 2026.
Why it matters: Earnings results will show how well the company is performing amid sector headwinds.
Watch forQ2 earnings results show growth in net income compared to Q1.
Also watch forQ2 earnings results show a decline in net income compared to Q1.
Why it matters: More non-performing assets may mean credit problems and can hurt earnings.
Worry ifNon-performing assets are over $43 million by Q3 2026.
Less concerning ifNon-performing assets are under $43 million in Q3 2026.
Why it matters: A steady or better net interest margin shows good management of income and costs.
Supportive ifNet interest margin stays above 3.69% in Q3 2026.
Worry ifNet interest margin falls below 3.69% in Q3 2026.
Why it matters: Higher dividends show trust in earnings and cash flow. This attracts investors.
Supportive ifDividend declared exceeds $0.51 per share in the next quarter.
Worry ifDividend declared remains at $0.51 per share or less.
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.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 | ±$130 on $10,000 · ±1.3% | How much price usually moves either way. |
| Bad day | $341 loss on $10,000 · 3.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,812 loss on $10,000 · 18.1% | 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.
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.