CITIZENS FINANCIAL SERVICES INC (CZFS)

State Commercial Banks

Latest Price

$83.09

TTM P/E

9.73

Normalized P/E

12.72

Div Yield

2.41%

Book Value

73.54

P/B Ratio

1.13

Valuation metrics

EPS: $7.62

Target P/E: 13×

Formula: EPS × P/E

P/E Fair Value

$99.06

+19% upside

31.6% held by institutions

Institution	Shares	Value	Ownership %	Change	Filing Date
BlackRock, Inc.	354.6K	$25.0M	7.39%	+23.3K	2026-06-30
VANGUARD CAPITAL MANAGEMENT LLC	200.8K	$14.0M	4.18%	-912	2026-06-30
GEODE CAPITAL MANAGEMENT, LLC	119.8K	$8.0M	2.50%	+7.3K	2026-06-30
CITIZENS & NORTHERN CORP	117.1K	$8.0M	2.44%	--	2026-06-30
STATE STREET CORP	92.8K	$6.0M	1.93%	-1.1K	2026-06-30
Hudock, Inc.	78.1K	$5.0M	1.63%	+37.3K	2026-06-30
AMERICAN CENTURY COMPANIES INC	44.1K	$3.0M	0.92%	-78	2026-06-30
Sixth Street Partners Management Company, L.P.	38.7K	$2.0M	0.81%	--	2026-06-30
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	38.7K	$2.0M	0.81%	+1.1K	2026-06-30
NORTHERN TRUST CORP	37.4K	$2.0M	0.78%	+283	2026-06-30