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 $71.30, down 0.96% from the previous day, and has increased 16.11% in one year. It has underperformed other stocks in the Banks - Regional industry by 0.2 percentage points. Citizens Financial Services stock is currently +85.07% from its 52-week low of $38.53, and -5.44% from its 52-week high of $75.40.
At the moment, there are 4.76M CZFS shares outstanding. The market cap of CZFS is $339.37M. In the past 24 hours, 29,040 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.
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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.
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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 12.25x, relative to Banks - Regional industry P/E ratio of 35.82x
- CZFS may be undervalued based on its P/B ratio of 1.14x, relative to Banks - Regional industry P/B ratio of 1.17x
- CZFS could be overvalued based on its PEG ratio of 4.62x
You can access additional valuation analysis on CZFS's stock here.
CZFS Financial Health
Pros:
- CZFS profit margin has gone up from 22% to 27.9% in the past year.
- CZFS earnings of $33.36M is not enough to cover its interest payments.
Cons:
- CZFS has a relatively high debt to equity ratio of 9.13.
- CZFS's operating cash flow of $38.91M allows it to safely service it's debt of $231.73M.
- Total CZFS debt is higher than 5 years ago, relative to shareholder equity.
You can dive deeper into what analysts are forecasting on the Citizens Financial Services stock forecast page.
CZFS Momentum
How are CZFS Revenues/Earnings doing?
Last year, CZFS earnings were $27.38M. In the past 5 year, CZFS's earnings have gone up by 2.23% per year. This was slower than the Banks - Regional industry average of 29.87%.
Last year, CZFS revenue was $98.20M. In the last 5 year, CZFS's revenue has gone up by 11.96% per year. This was slower than the Banks - Regional industry average of 15.38%.
Dig into CZFS's earnings and revenue performance here.
What are CZFS executives and large shareholders up to?
Over the last 12 months, executives and large shareholders at CZFS have bought more shares than they have sold.
Stephen J. Guillaume, SENIOR VICE PRESIDENT of CZFS, was the latest CZFS insider to buy. They bought $872.03 worth of CZFS shares on Nov 29, 2024.
Get more info about who owns CZFS shares here.
Can I rely on CZFS as an income stream?
Citizens Financial Services pays a dividend of 2.74%, compared to the Banks - Regional industry's average dividend yield of 2.8%. If you owned $1,000 worth of CZFS stock, you would have been paid $27.35 in the past 12 months.
Citizens Financial Services dividend payments have consistently grown over the past decade but have not remained stable.
Find more analysis about Citizens Financial Services dividend yield and history here.
What do other traders have to say about CZFS?
One of the major reasons eToro is our highest-rated brokerage is because of its social trading community.
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Step 5: Make your CZFS trade
You have two primary types of orders:
- Market order: A market order is an order to buy or sell a security at the best price on the market.
Market orders are generally sufficient. - Limit order: A limit order is an order to buy or sell a stock at a specific price (or better).
If you want to be certain you're buying or selling at a given price, place a limit order.
Press the Open Trade button and your broker will execute the order.
If you want additional help with buying stocks on eToro, click the how to video below:
Step 6: Watch your CZFS investment
Now that you own some CZFS stock, you'll want to stay up-to-date on your new shares.
Start a watchlist to keep tabs on your CZFS stock.
CZFS Feed
How to Buy Stock in Citizens Financial Services
To summarize, here are the 6 steps for buying Citizens Financial Services stock:
- 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 require a brokerage, eToro is our recommended venue.
Get Started with eToro TodayIf you want to watch your investment in Citizens Financial Services, click the button below.
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