How to Buy Citizens Financial Services Stock
Citizens Financial Services Inc
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers.
Citizens Financial Services stock last closed at $40.78, up 1.95% from the previous day, and has decreased 53.6% in one year. It has underperformed other stocks in the Banks - Regional industry by 0.71 percentage points. Citizens Financial Services stock is currently +4.81% from its 52-week low of $38.91, and -55.67% from its 52-week high of $92.00.
At the moment, there are 4.71M CZFS shares outstanding. The market cap of CZFS is $191.95M. In the past 24 hours, 2581 CZFS shares were traded.
How to Buy Citizens Financial Services Stock
Wondering how to invest in Citizens Financial Services stock? Here's how.
- Decide where to buy Citizens Financial Services stock: You need to choose an online brokerage, but don't worry - we've sifted through dozens of online stock brokerages and apps to help you decide where to buy Citizens Financial Services stock.
- Sign up for your brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've found.
- Put funds into your investment account: Choose your payment method and add your info.
- Evaluate Citizens Financial Services stock: The Citizens Financial Services ticker symbol is CZFS. Is Citizens Financial Services stock a good investment? Should you buy shares of CZFS? How do CZFS's underlying business fundamentals look? Do top analysts think Citizens Financial Services is a good buy? Why has CZFS's stock price moved recently? (Hint: Our stock market analysis website can help you decide if CZFS is a good stock to buy).
- Make your CZFS trade: Decide if you will purchase CZFS shares at the current market price or use a limit order to buy CZFS shares at a particular price.
- Watch your CZFS investment: Create a watchlist to keep track of your new investment in Citizens Financial Services stock.
Step 1: Decide where to buy Citizens Financial Services stock
You will need a brokerage account in order to access the NASDAQ market and buy CZFS stock.
Our preferred brokerage: eToro
Based on our analysis, eToro is the best online stock brokerage. Here's why:
- Invest in stocks with 0% commissions: Invest without commissions.
- Buy fractional shares: Even if you can't afford a full share, you can still invest in the stock.
- Access to global markets: From Tech to Real Estate, New York to Shanghai — you can fill your portfolio with stocks from the world's leading stock exchanges.
- Social investing: eToro has a community of more than 20 million users worldwide. Talk to, learn from, and copy the unique crypto portfolios of other investors.
- Security: eToro is a regulated and licensed fintech leader.
- Buy other financial assets: Such as ETFs and cryptos.
Get $10 towards your stock purchase by opening an account with eToro now.
Open eToro AccountStep 2: Sign up for your brokerage account
Now that you've selected the best brokerage, you'll need to fill out some personal info so you are able to buy CZFS stock today.
How to Set Up a New Investment Account on eToro
- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
- Provide your personal details to start your new brokerage account.
- Send your information by hitting the "Create Account" button. Get started with eToro today
Step 3: Put funds into your investment account
Now that you've opened your account on one of the most highly reviewed stock trading apps, you can securely and quickly fund your account:
Check out the tutorial below for more details transferring funds into your new brokerage account.
Step 4: Evaluate Citizens Financial Services stock
Once you have decided on the best place to buy Citizens Financial Services stock, it's critical to research their stock prior to investing, so you truly understand the risk as well as the opportunity.
Overview of key CZFS info
CZFS Due Diligence Checks
WallStreetZen was designed to help everyday investors do more in-depth fundamental analysis.
You can see all of the due diligence checks on CZFS's stock page.
Is CZFS stock overvalued?
You can use a variety of different financial metrics, analyses, models, and charts to gauge CZFS's fair value.
Using relative valuations methods:
- CZFS may be undervalued based on its P/E ratio of 10.04x, relative to Banks - Regional industry P/E ratio of -9.83x
- CZFS may be undervalued based on its P/B ratio of 0.69x, relative to Banks - Regional industry P/B ratio of 0.98x
You can access additional valuation analysis on CZFS's stock here.
CZFS Financial Summary
Pros:
- CZFS earnings of $21.52M is not enough to cover its interest payments.
Cons:
- CZFS profit margin has gone down from 36.2% to 20.6% in the past year.
- CZFS's operating cash flow of $26.54M allows it to safely service it's debt of $322.04M.
- CZFS has a relatively high debt to equity ratio of 9.64.
- Total CZFS debt is higher than 5 years ago, relative to shareholder equity.
You can dive deeper into what analysts are saying on the Citizens Financial Services stock forecast page.
Metrics for Advanced CZFS Traders
CZFS Performance Numbers
Last year, CZFS earnings were $17.81M. In the past 5 year, CZFS's earnings have grown by -4.04% per year. This was slower than the Banks - Regional industry average of 16.56%.
Last year, CZFS revenue was $86.34M. Over the past five year, CZFS's revenue has grown by 10.25% per year. This was faster than the Banks - Regional industry average of 7.53%.
Find out more about CZFS's earnings and revenue performance here.
Who is buying/selling CZFS?
In the last year, insiders at CZFS have sold more shares than they have bought.
Randall E. Black, CEO PRESIDENT of CZFS, was the latest CZFS insider to buy. They bought $1,615.20 worth of CZFS shares on Feb 28, 2024.
Research more about who owns CZFS shares here.
Can I rely on CZFS as an income stream?
Citizens Financial Services pays a dividend of 4.79%, compared to the Banks - Regional industry's average dividend yield of 3.87%. If you owned $1,000 of CZFS stock, you would have been paid $47.94 in the past year.
Citizens Financial Services dividend payments have consistently grown over the past decade but have not remained stable.
Dig into more data about Citizens Financial Services dividend yield and history here.
What do other traders have to say about CZFS?
One of the biggest reasons eToro is our favorite brokerage is because of its social trading community.
Click below to see what other community members have to say.
Step 5: Make your CZFS trade
There are two main types of orders:
- Market order: A market order is an order to buy or sell a security at the best possible price.
Market orders are generally the easiest way to buy. - Limit order: A limit order is an order to buy or sell a stock at a specific price (or better).
If you want to ensure you're buying or selling at a particular dollar amount limit, use a limit order.
Hit the Open button and your broker will execute your order.
If you want additional help with investing in stocks on eToro, click the how to video below:
Step 6: Watch your CZFS investment
Now that you own some CZFS shares, you'll want to keep up with your new investment.
Put CZFS on a watchlist to track the latest developments regarding your CZFS stock.
CZFS Feed
No news
There is no news on the companies in your watchlist or you don't have enough companies added to your list.
How to Buy Stock in Citizens Financial Services
To reiterate, here are the 6 steps to buy stock in Citizens Financial Services:
- Decide where to buy Citizens Financial Services stock
- Sign up for your brokerage account
- Put funds into your investment account
- Evaluate Citizens Financial Services stock
- Make your CZFS trade
- Watch your CZFS investment
If you are looking for a place to buy stocks, eToro is our favorite venue.
Get Started with eToro TodayIf you would like to keep tabs on your new investment in Citizens Financial Services, create a watchlist today.
Trending Stock Buying Guides
FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsHelp GuidesContactTwitterYouTubeNewsletterInformation is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.