OakChart

Citizens Financial Services Inc

CZFSFinancial·Banks - Regional·USA·Small·NASD·Nov 12 • 3:59 PM ET

85.48-0.34 (-0.40%)
2026-11-13 13:46 CET
Market cap
$411.22M
Revenue, TTM
- USD m
Net income, TTM
42.97 USD m
Free cash flow, TTM
34.54 USD m
EPS diluted, TTM
8.95
Price / earnings
9.55
Compare

Price

CZFS against its 20, 50 and 200-day averages
Terms2050200Beat
Patternshover a marker to name it
RS 79EPS 2.41Price2.072.2460.0070.0080.0090.0079K158KVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CZFSclose 85.4820-day 84.2550-day 81.99200-day 71.7085.4852w high 88.8852-week range, not 6 months

3.8% under the 52-week high of 88.88 on 5 Nov 2026. 52-week low 53.14 on 17 Nov 2025. Last 15 sessions, 7.5% high to low

Volume 0.00× normal · the session has not printed · the line is the 50-bar volume average

Setup. RS line 79
CANSLIM 2 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); Institutional Ownership: Over 50%; Average Volume: Over 200K
VCP 5 of 6 — fails: Average True Range: Under 2
Minervini 4 of 4
Zanger 3 of 5 — fails: Performance: Week +10%; Relative Volume: Over 1.5
Leaders 4 of 5 — fails: Average Volume: Over 500K
Breakout 2 of 4 — fails: 52-Week High/Low: New High; Relative Volume: Over 2
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%); Return on Equity: Over +15%
Quality 2 of 5 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1); Current Ratio: Over 1
Value 2 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1)
Income 3 of 4 — fails: Payout Ratio: Low (<20%)
Small Cap 3 of 4 — fails: Average Volume: Over 500K
Accumulation 3 of 4 — fails: Institutional Transactions: Over +10%
Relative Strength 1 of 3 — fails: Performance: Year +100%; Average Volume: Over 500K

Profile

CZFS
52-week range, 90% of the way up
53.1488.88

Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company was founded in 1984 and is headquartered in Mansfield, PA.

IndexRUT
Employees405
IPOApr 05, 1994
Beta0.39
ATR, 14d2.30
Rel volume0.00
Short float1.23%
Insider own6.79%
Inst own31.48%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap$411.22M
Enterprise Value-
Income42.97M
Sales178.88M
Book / share73.02
Cash / share-
Dividend Est.2.02 (2.36%)
Dividend TTM2.02 (2.36%)
Dividend Ex-DateSep 11, 2026
Dividend Gr. 3/5Y2.47% 1.59%
Payout25.99%
Employees405
IPOApr 05, 1994

Ratios

Price / earnings9.55
Forward price / earnings9.34
Price / earnings / growth-
Price / sales2.30
Price / book1.17
Price / cash-
Price / free cash flow11.91
Value / cash profit-
Value / sales-
Quick Ratio-
Current Ratio0.03
Debt / equity1.46
Long-term debt / equity1.46
Options and shortNo / Yes

Earnings

Earnings / share8.95
Earnings next year9.15
Earnings next quarter2.41
Earnings this year19.55%
Earnings next year0.44%
Earnings growth, 5 years-
Past earnings growth2.36% 3.96%
Past sales growth23.01% 16.35%
Earnings vs last year26.08%
Sales vs last year4.04%
Earnings vs last quarter19.04%
Sales vs last quarter7.25%
EarningsOct 30 BMO
Surprise12.73% -

Ownership

Insiders own6.79%
Insider trades0.05%
Institutions own31.48%
Institution trades1.36%
Return on assets1.33%
Return on equity12.66%
Return on capital4.97%
Gross Margin-
Operating margin29.36%
Profit Margin24.02%
20-day average1.46%
50-day average4.26%
200-day average19.22%

Technical

Shares out4.81M
Shares floating4.48M
Short / float1.23%
Short ratio1.48
Short interest0.05M
52-week high88.88 -3.8%
52-week low53.14 +60.9%
Volatility2.21% 2.78%
Average range2.30
Strength index57.44
Market sensitivity0.39
Relative volume0.00
Avg Volume37.11K
Volume0

Performance

Perf Week-0.65%
Perf Month9.20%
Perf Quarter3.56%
Perf Half Y36.62%
Perf YTD49.91%
Perf Year52.37%
Perf 3Y59.08%
Perf 5Y44.47%
Perf 10Y94.20%
Recommendation1.00
Target Price94.00
Prev Close85.48
Price85.48
Change %0.00%

Analyst ratings

latest 2 of 2
DateActionAnalystRating changeTargetImplied
Apr 30, 2024UpgradeJanneyNeutral → Buy$53-38.0%
Jun 29, 2023DowngradeJanneyBuy → Neutral

Peers

Mkt cap
TickerCompanyMkt cap
CZNCCitizens & Northern Corp501.85M
NWFLNorwood Financial Corp392.84M
PFISPeoples Financial Services Corp729.26M
CHMGChemung Financial Corp413.27M
FDBCFidelity D&D Bancorp Inc389.52M
ACNBACNB Corp679.18M
CCNECNB Financial Corp (PA)1.06B
FRAFFranklin Financial Services Corp314.06M
MPBMid Penn Bancorp Inc892.64M
AROWArrow Financial Corp718.74M

Insider trading

10 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Guillaume Stephen JSENIOR VICE PRESIDENTAug 31 '26Buy76.32241,8325,094Sep 01 07:34 AM
Painter John P IIDirectorAug 05 '26Buy80.5216012,8833,921Aug 05 04:03 PM
Gephart LeeAnnEXECUTIVE VICE PRESIDENTJul 09 '26Sale71.52151,073946Jul 09 07:32 AM
Gephart LeeAnnEXECUTIVE VICE PRESIDENTJun 25 '26Sale66.52291,929808Jun 25 07:05 AM
Guillaume Stephen JSENIOR VICE PRESIDENTMay 29 '26Buy61.78342,1014,718Jun 02 10:23 AM
Gephart LeeAnnEXECUTIVE VICE PRESIDENTMay 28 '26Sale64.78241,555837May 28 03:30 PM
Painter John P IIDirectorMay 12 '26Buy63.671408,9143,662May 12 03:19 PM
Painter John P IIDirectorMar 06 '26Buy61.0067541,1753,412Mar 06 01:22 PM
Guillaume Stephen JSENIOR VICE PRESIDENTFeb 27 '26Buy57.06137424,656Mar 02 08:34 AM
Guillaume Stephen JSENIOR VICE PRESIDENTNov 28 '25Buy53.10168504,570Dec 01 09:54 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 696.31B
IWMiShares Russell 2000 Index FundAUM: 77.86B
AVUVAvantis U.S. Small Cap Value ETFAUM: 33.08B
VXFVanguard Extended Market Index ETFAUM: 30.79B
IWNiShares Russell 2000 Value ETFAUM: 14.17B
VTWOVanguard Russell 2000 Index ETFAUM: 16.90B
SCHASchwab U.S. Small-Cap ETFAUM: 22.44B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.56B
IWCiShares Micro-Cap ETFAUM: 1.23B
AVSCAvantis U.S Small Cap Equity ETFAUM: 3.33B

News

latest 14 of 158

Quarterly earnings

2026Q3 EPS 2.480 beat 2.200, from 2.090 a year earlier. Sales 31.31, from 28.99 a year earlier
EPS
2.48002024Q4 EPS 1.680 against 1.54024Q42025Q1 EPS 1.584 against 1.47525Q12025Q2 EPS 1.760 against 1.60425Q22025Q3 EPS 2.090 against 1.76025Q32025Q4 EPS 2.190 against 2.07025Q42026Q1 EPS 2.160 against 1.98026Q12026Q2 EPS 2.120 against 1.98026Q22026Q3 EPS 2.480 against 2.20026Q3
Sales, USD millions
31.3102024Q4 sales 26.2124Q42025Q1 sales 26.4425Q12025Q2 sales 27.2825Q22025Q3 sales 28.9925Q32025Q4 sales 29.6125Q42026Q1 sales 29.7826Q12026Q2 sales 29.7126Q22026Q3 sales 31.3126Q3

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q3ended 2026-09-302026-10-30 08:302.4802.2002.48031.31-EPS +12.7% · sales -vs 2025Q3, year-ago quarter · EPS +18.7% · sales +8.0%1Open +0.12% vs SPY -1.04%. Close +0.53% vs SPY -1.77%
2026Q2ended 2026-06-302026-07-30 08:302.1201.9802.12129.71-EPS +7.1% · sales -vs 2025Q2, year-ago quarter · EPS +20.5% · sales +8.9%1Open -2.82% vs SPY +0.90%. Close -1.14% vs SPY +1.68%
2026Q1ended 2026-03-312026-04-29 08:302.1601.9802.16229.78-EPS +9.1% · sales -vs 2025Q1, year-ago quarter · EPS +36.3% · sales +12.6%1Open -0.89% vs SPY -0.10%. Close -3.36% vs SPY -0.02%
2025Q4ended 2025-12-312026-01-29 16:302.1902.0702.18529.61-EPS +5.8% · sales -vs 2024Q4, year-ago quarter · EPS +30.4% · sales +13.0%1Open -6.74% vs SPY -0.32%. Close +2.30% vs SPY -0.30%
2025Q3ended 2025-09-302025-10-30 08:302.0901.7602.08528.99-EPS +18.8% · sales -vs 2024Q3, year-ago quarter · EPS +31.4% · sales +16.3%1Open -0.60% vs SPY -0.51%. Close +1.21% vs SPY -1.10%
2025Q2ended 2025-06-302025-07-30 16:301.7601.6041.76327.28-EPS +9.7% · sales -vs 2024Q2, year-ago quarter · EPS +35.4% · sales +10.3%1Open +0.97% vs SPY +0.79%. Close +0.36% vs SPY -0.38%
2025Q1ended 2025-03-312025-04-30 08:301.5841.4751.58826.44-EPS +7.4% · sales -vs 2024Q1, year-ago quarter · EPS +19.4% · sales +2.2%1Open -3.60% vs SPY -1.22%. Close -1.00% vs SPY +0.04%
2024Q4ended 2024-12-312025-01-30 16:301.6801.5401.66326.21-EPS +9.1% · sales -vs 2023Q4, year-ago quarter · EPS +6.0% · sales +3.7%1Open +3.56% vs SPY +0.41%. Close -2.28% vs SPY -0.53%
2024Q3ended 2024-09-302024-10-30 16:301.5901.3801.57024.92-EPS +15.2% · sales -vs 2023Q3, year-ago quarter · EPS -0.3% · sales -4.9%1Open +3.39% vs SPY -0.77%. Close -3.25% vs SPY -1.96%
2024Q2ended 2024-06-302024-07-30 16:301.3001.3171.09924.72-EPS -1.3% · sales -vs 2023Q2, year-ago quarter · EPS -230.0% · sales +21.6%1Open -1.15% vs SPY +1.29%. Close -1.26% vs SPY +1.63%
2024Q1ended 2024-03-312024-04-25 16:301.3271.5351.46425.87-EPS -13.6% · sales -vs 2023Q1, year-ago quarter · EPS -22.5% · sales +26.4%1Open -1.59% vs SPY +0.57%. Close -5.15% vs SPY +0.95%
2023Q4ended 2023-12-312024-01-30 16:301.5841.6041.57325.27-EPS -1.2% · sales -vs 2022Q4, year-ago quarter · EPS -19.6% · sales +16.6%1Open -1.09% vs SPY -0.46%. Close -4.03% vs SPY -1.63%
2023Q3ended 2023-09-302023-10-23 08:301.5941.4651.57426.20-EPS +8.8% · sales -vs 2022Q3, year-ago quarter · EPS -15.3% · sales +21.7%1-
2023Q2ended 2023-06-302023-07-31 16:30-1.000-0.020-0.98820.33-EPS +4950.5% · sales -vs 2022Q2, year-ago quarter · EPS -158.0% · sales -7.0%1-
2023Q1ended 2023-03-312023-04-27 16:301.7131.7331.68120.4719.30EPS -1.1% · sales +6.1%vs 2022Q1, year-ago quarter · EPS +2.2% · sales +9.5%1-
2022Q4ended 2022-12-312023-01-30 16:301.9701.8321.92721.6719.50EPS +7.6% · sales +11.1%vs 2021Q4, year-ago quarter · EPS +14.2% · sales +12.1%1-

Annual earnings

2025FY EPS 7.620 beat 7.500, from 5.951 a year earlier. Sales 112.35, from 101.86 a year earlier
EPS
7.62002018FY EPS 4.891 against 4.92920182019FY EPS 5.314 against 5.34320192020FY EPS 6.382 against 6.39120202021FY EPS 7.235 against 7.05820212022FY EPS 7.248 against 7.10920222023FY EPS 4.020 against 3.89120232024FY EPS 5.951 against 5.62420242025FY EPS 7.620 against 7.5002025
Sales, USD millions
112.3502017FY sales 50.9120172018FY sales 54.9220182019FY sales 58.3320192021FY sales 82.98 against 78.4020212022FY sales 81.87 against 79.9020222023FY sales 91.8720232024FY sales 101.8620242025FY sales 112.352025

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2027FYestimate-9.150---9.34
2026FYestimate-9.110---9.38
2025FY7.6207.5007.620112.35-7.48
2024FY5.9515.6245.736101.86-10.64
2023FY4.0203.8913.98491.87-15.94
2022FY7.2487.1097.10581.8779.9010.38
2021FY7.2357.0587.09282.9878.408.14
2020FY6.3826.3916.273--8.43
2019FY5.3145.3435.21258.33-11.01
2018FY4.8914.9294.79654.92-10.70
2017FY3.9383.3543.45350.91-14.92
2016FY3.561-3.32445.86-13.22

Estimate revisions

Latest snapshot of each period and type. 2026FY E 9.11 per share.
PeriodTypeScaleDateMeanvs prior date
2026FYEper share2026-11-039.11+4.7%
2026Q4Eper share2026-11-032.41+7.6%
2026FYRper share2026-11-039.17+5.2%
2026Q4Rper share2026-11-032.41+7.6%
2026Q3Eper share2026-10-142.200.0%
2026Q3Rper share2026-10-142.200.0%
2026Q2Eper share2026-07-191.980.0%
2026Q2Rper share2026-07-191.980.0%
2026Q1Eper share2026-02-231.98+1.0%
2026Q1Rper share2026-02-231.98-
2025FYEper share2026-01-077.50+8.7%
2025Q4Eper share2026-01-072.07+15.6%
2025FYRper share2026-01-077.49-
2025Q3Eper share2025-10-141.760.0%
2025Q2Eper share2025-07-141.600.0%
2025Q1Eper share2025-04-191.490.0%
2024FYEper share2025-01-145.680.0%
2024Q4Eper share2024-10-311.54+0.7%
2024Q3Eper share2024-10-141.380.0%
2024Q2Eper share2024-07-131.320.0%
2024Q1Eper share2024-01-311.53+0.6%
2023FYEper share2024-01-063.890.0%

Estimate history

Annual
Metric201720182019202020212022202320242025TTMMRQ
EPS per share3.4534.7965.2126.2737.0927.1053.9845.7367.6198.9505-
Sales USD millions566470818593139170173179-
Shares million shares444444555-5
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share1.571.6631.5881.7632.0852.1852.1622.1212.482
Sales USD millions424342424444444347
Shares million shares555555555

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Interest Income164.35159.17+3.1%154.32+21.4%127.12+52.5%83.36+13.8%73.22+4.2%70.30+13.4%61.98+9.2%56.76
Total Interest Expense59.0761.17-9.9%67.86+44.8%46.86+317.6%11.22+57.8%7.11-12.3%8.11-32.6%12.04+25.8%9.57
Net Interest Income105.2898.00+13.4%86.45+7.7%80.26+11.3%72.13+9.1%66.11+6.3%62.19+24.5%49.94+5.8%47.18
Loan Loss Provision-2.38-8.1%2.59-53.2%5.53+229.2%1.68+8.4%1.55-35.4%2.40+42.9%1.68-13.0%1.93
Net Interest Income After Loan Loss Provision-95.63+14.0%83.87+12.2%74.73+6.1%70.45+9.1%64.56+8.0%59.79+23.9%48.27+6.7%45.26
Non-Interest Income14.5314.08-7.3%15.19+32.8%11.44+17.7%9.72-18.1%11.87+8.2%10.97+37.0%8.01+5.7%7.58
Non-Interest Expense65.7864.47-1.1%65.17+17.7%55.39+24.0%44.68+8.7%41.11+7.6%38.22+17.6%32.50+3.5%31.40
Operating Income52.5245.24+33.5%33.88+10.1%30.78-13.3%35.49+0.5%35.32+8.5%32.55+36.9%23.78+10.9%21.44
Unusual Expense0.000.000.00-100.0%9.270.000.00-100.0%2.18+363.8%0.470.00
Net Income Before Taxes52.5245.24+33.5%33.88+57.4%21.52-39.4%35.49+0.5%35.32+16.3%30.37+30.3%23.31+8.7%21.44
Income Taxes9.558.67+42.8%6.07+64.1%3.70-42.5%6.43+3.7%6.20+17.9%5.26+37.7%3.82+12.4%3.40
Consolidated Net Income42.9736.57+31.5%27.82+56.2%17.81-38.7%29.06-0.2%29.12+16.0%25.10+28.8%19.49+8.1%18.03
Net Income From Continuing Operations42.9736.57+31.5%27.82+56.2%17.81-38.7%29.06-0.2%29.12+16.0%25.10+28.8%19.49+8.1%18.03
Net Income42.9736.57+31.5%27.82+56.2%17.81-38.7%29.06-0.2%29.12+16.0%25.10+28.8%19.49+8.1%18.03
EPS (Recurring) per share8.957.62+32.8%5.74+5.5%5.44-23.5%7.11+0.3%7.09+6.6%6.65+25.5%5.30+10.4%4.80
EPS (Basic, Before Extraordinaries) per share8.957.62+32.8%5.74+44.2%3.98-44.0%7.11+0.3%7.09+12.9%6.28+20.5%5.21+8.5%4.80
EPS (Diluted) per share8.957.62+32.8%5.74+44.2%3.98-44.0%7.11+0.3%7.09+13.1%6.27+20.3%5.21+8.5%4.80
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.500.49+48.5%0.33+73.7%0.19-13.6%0.22-31.3%0.32+33.3%0.24+9.1%0.22+10.0%0.20
Price To Earnings Ratio ratio statement ratio, not the snapshot9.559.5510.8115.1310.848.238.5411.1110.80
Price To Sales Ratio ratio2.111.581.792.053.272.812.623.103.03
Operating Margin %29.3626.1119.9922.2238.1341.5140.0533.9733.32
Net Margin %24.0221.1116.4112.8531.2234.2230.8927.8528.03
Shares Outstanding million shares4.814.810.0%4.81+0.2%4.80+17.4%4.09-0.2%4.10-0.5%4.12+10.2%3.74-0.5%3.76
Market Capitalization411.22411.22+36.5%301.33-1.1%304.580.0%304.68+27.3%239.39+9.0%219.62+1.3%216.79+11.4%194.68

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Interest Income43.41+7.9%39.51+2.0%40.28+3.3%41.15+3.4%40.25+4.0%38.75+2.2%39.01+2.8%39.79+3.3%
Total Interest Expense16.16+6.9%13.81-8.5%14.16-11.6%14.94-11.7%15.11-13.0%15.10-9.0%16.01-5.7%16.92+1.6%
Net Interest Income27.26+8.4%25.69+8.6%26.11+13.5%26.21+14.6%25.14+17.9%23.65+11.0%23.00+9.7%22.87+4.6%
Loan Loss Provision-0.50-33.3%0.50-19.4%0.500.500.75-62.5%0.62-21.5%-
Net Interest Income After Loan Loss Provision-25.19+10.0%25.61+14.4%25.7124.64+14.5%22.90+18.7%22.38+11.0%-
Non-Interest Income3.89+1.0%3.82+6.4%3.49+5.4%3.33-1.2%3.85+4.9%3.59+13.6%3.31-33.5%3.37-2.3%
Non-Interest Expense16.60+2.9%16.67+3.7%16.41+0.6%16.10-3.6%16.13+1.1%16.070.0%16.31-2.1%16.70+5.2%
Operating Income14.54+17.6%12.34+18.4%12.70+35.4%12.94+35.6%12.36+33.6%10.42+63.1%9.38+10.4%9.54+3.5%
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes14.54+17.6%12.34+18.4%12.70+35.4%12.94+35.6%12.36+33.6%10.42+63.1%9.38+10.4%9.54+3.5%
Income Taxes2.62+11.5%2.15+10.3%2.33+33.1%2.45+57.1%2.35+37.4%1.95+75.7%1.75+18.2%1.56-7.1%
Consolidated Net Income11.92+19.1%10.19+20.4%10.38+36.2%10.48+31.3%10.01+32.8%8.46+60.2%7.62+8.5%7.98+5.8%
Net Income From Continuing Operations11.92+19.1%10.19+20.4%10.38+36.2%10.48+31.3%10.01+32.8%8.46+60.2%7.62+8.5%7.98+5.8%
Net Income11.92+19.1%10.19+20.4%10.38+36.2%10.48+31.3%10.01+32.8%8.46+60.2%7.62+8.5%7.98+5.8%
EPS (Recurring) per share2.48+18.7%2.12+20.5%2.16+35.8%2.18+31.3%2.09+33.1%1.76+60.0%1.59+8.9%1.66+5.7%
EPS (Basic, Before Extraordinaries) per share2.48+18.7%2.12+20.5%2.16+35.8%2.19+31.9%2.09+33.1%1.76+60.0%1.59+8.9%1.66+5.7%
EPS (Diluted) per share2.48+18.7%2.12+20.5%2.16+35.8%2.18+31.3%2.09+33.1%1.76+60.0%1.59+8.9%1.66+5.7%
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.060.0%0.060.0%0.06-14.3%0.32+433.3%0.06+20.0%0.06+20.0%0.07+40.0%0.06+20.0%
Price To Earnings Ratio ratio statement ratio, not the snapshot9.558.848.028.039.159.929.7110.81
Price To Sales Ratio ratio2.111.981.681.581.681.661.631.78
Operating Margin %30.7428.4829.0229.0828.0324.6022.1522.11
Net Margin %25.2023.5123.7123.5722.6919.9918.0118.49
Shares Outstanding million shares4.810.0%4.810.0%4.80-0.2%4.810.0%4.810.0%4.810.0%4.81+0.2%4.81+0.2%
Market Capitalization411.22+41.9%348.07+23.3%293.96+6.4%274.06-9.0%289.78+3.6%282.28+32.1%276.30+19.3%301.33-1.1%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/20182017FY12/31/2017
Cash & Due from Banks34.29-18.7%42.20-20.1%52.82+101.5%26.21-84.8%172.83+151.5%68.71+218.5%21.57+10.3%19.55-7.6%21.16
Investments490.58+3.5%473.89+2.6%461.67-3.0%475.72+8.7%437.56+32.0%331.44+26.1%262.89-0.4%263.93-3.3%273.07
Net Loans2,327.82+1.6%2,291.54+2.9%2,227.68+30.5%1,706.45+19.8%1,424.23+2.5%1,389.47+26.1%1,101.72+3.1%1,069.00+8.1%989.34
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets2.36-10.3%2.63+387.0%0.540.0%0.54-54.2%1.18-35.9%1.84-45.9%3.40+466.7%0.60-46.4%1.12
Net Property, Plant & Equipment31.60+0.8%31.36-3.5%32.50+43.7%22.61+11.5%20.28+5.5%19.23+12.5%17.10+5.1%16.27-1.5%16.52
Interest Receivables10.70+3.8%10.31-6.6%11.04+50.6%7.33+39.9%5.24-12.7%6.00+31.9%4.55+2.2%4.45+6.0%4.20
Deferred Tax Assets20.04-16.5%24.01-9.8%26.61+37.0%19.42-9.90+69.2%5.85+91.2%3.06+23.4%2.48
Other Intangible Assets155.78-1.8%158.58-7.7%171.72+110.3%81.65-1.1%82.55+16.3%70.95+26.0%56.29-0.5%56.60-0.1%56.65
Total Assets3,073.16+1.3%3,034.53+1.7%2,984.60+27.6%2,339.93+9.1%2,143.86+13.0%1,897.53+29.1%1,470.32+2.8%1,430.71+5.1%1,361.89
Total Deposits2,376.98-0.2%2,382.03+2.6%2,321.48+25.9%1,844.21+0.4%1,836.15+15.6%1,588.86+31.2%1,211.12+2.2%1,185.16+7.3%1,104.94
Total Debt320.23+4.0%307.82-7.6%333.22+27.0%262.29+239.6%77.24-15.2%91.13+5.6%86.28-5.4%91.19-20.5%114.66
Long Term Debt36.00-29.4%50.98-57.4%119.56+278.8%31.56+5.3%29.97+3.9%28.85-3.5%29.91+48.4%20.15-9.0%22.14
Provision for Risks Charges3.37+6.3%3.17-22.3%4.08+2.5%3.98+3.4%3.85+11.9%3.44+1.8%3.38+40.8%2.40+11.6%2.15
Deferred Tax Liabilities8.60-2.4%8.81-5.1%9.28+41.9%6.54-5.86+47.2%3.98--
Other Liabilities25.94-21.3%32.98-10.6%36.87+62.0%22.76+61.1%14.13+1.0%13.99+29.7%10.79-10.3%12.03+15.7%10.40
Total Liabilities2,735.11+0.0%2,734.80+1.1%2,704.93+26.4%2,139.78+10.8%1,931.37+13.4%1,703.27+29.5%1,315.55+1.9%1,290.78+4.8%1,232.16
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity338.05+12.8%299.73+7.2%279.67+39.7%200.15-5.8%212.49+9.4%194.26+25.5%154.77+11.2%139.23+7.9%129.01
Total Shareholders Equity338.05+12.8%299.73+7.2%279.67+39.7%200.15-5.8%212.49+9.4%194.26+25.5%154.77+11.2%139.23+7.9%129.01
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity338.05+12.8%299.73+7.2%279.67+39.7%200.15-5.8%212.49+9.4%194.26+25.5%154.77+11.2%139.23+7.9%129.01
Total Liabilities & Stockholders Equity3,073.16+1.3%3,034.53+1.7%2,984.60+27.6%2,339.93+9.1%2,143.86+13.0%1,897.53+29.1%1,470.32+2.8%1,430.01+5.1%1,361.17
Book Value Per Share per share70.32+12.8%62.35+7.1%58.24+19.1%48.92-5.5%51.77+9.8%47.13+14.0%41.36+11.6%37.05+8.4%34.17
Tangible Book Value Per Share per share52.14+18.3%44.07+10.7%39.82-3.3%41.18-6.4%44.01+11.8%39.36+12.6%34.95+14.2%30.60+10.6%27.66
Tier 1 Capital-243.76-210.25--140.93+9.9%128.22+9.4%117.22
Tier 2 Capital-41.17-28.72--13.78+5.6%13.05+15.0%11.35
Full-Time Employees people405-1.2%410-2.8%422+28.7%328+7.2%306+3.7%295+16.1%254-1.2%257+1.6%253
Price to Book Ratio ratio1.171.011.161.591.131.131.401.401.68
Return on Assets %1.200.920.671.301.441.491.341.291.01
Return on Equity %11.479.607.4214.0814.3214.3813.2613.4510.33
Return on Invested Capital %9.787.934.4612.5412.0111.2510.5511.328.62
Current Ratio ratio0.020.030.030.020.150.060.040.050.05

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/20212020FY12/31/20202019FY12/31/20192018FY12/31/2018
Funds from Operations37.0635.49+29.9%27.33+25.9%21.71-30.3%31.17+15.0%27.10+15.1%23.55+9.9%21.42+5.9%20.23
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-1.81-1.39-136.0%3.86+183.8%1.36-1.91-398.4%0.64+30.6%0.49-0.27-138.0%0.71
Cash from Operating Activities35.2634.10+9.3%31.20+35.2%23.08-21.1%29.26+5.5%27.74+15.4%24.04+13.7%21.14+1.0%20.94
Capital Expenditures-22.72-1.30-1.31-2.62-1.63-8.90-0.94-0.48-0.50
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses-0.000.01-99.9%7.18+46.2%4.910.000.00-100.0%1.02+10100.0%0.010.00
Purchase or Sale of Investments-39.10-3.36-6.66-106.5%102.26-77.06-124.96-49.93-1071.4%5.14-62.8%13.81
Purchase of Investments-123.84-82.41-70.42-11.72-119.25-211.22-145.33-69.03-68.32
Sale Or Maturity of Investments84.7479.04+24.0%63.76-44.1%113.97+170.1%42.19-51.1%86.25-9.6%95.40+28.6%74.17-9.7%82.13
Other Uses-0.060.000.000.000.000.000.000.000.00
Other Sources0.390.27-78.2%1.24+12.7%1.100.00-100.0%3.710.000.000.00
Cash from Investing Activities-359.59-37.65-67.09-206.6%62.92-358.47-147.28-122.95-31.70-71.81
Cash Dividends Paid-9.71-9.55-9.30-8.50-7.59-7.38-6.54-6.32-6.12
Change in Capital Stock-0.42-0.48-0.25-0.23-1.17-1.37-2.00-1.29-1.48
Repurchase of Common Pref Stock-0.49-0.55-0.27-0.27-1.28-1.37-2.12-1.29-1.48
Sale of Common Pref Stock0.070.07+250.0%0.02-33.3%0.03-72.7%0.110.00-100.0%0.130.000.00
Proceedsfrom Stock Options0.070.07+250.0%0.02-33.3%0.03-72.7%0.110.00-100.0%0.130.000.00
Issuance or Reduction of Debt, Net232.5710.71-25.72-573.7%5.43-97.0%183.29-14.87-11.28-6.08-23.47
Change in Long Term Debt-15.00-42.00-35.00-187.5%40.00-4.72-16.93-438.6%5.00-27.3%6.88-0.99
Issuance of Long Term Debt0.000.000.00-100.0%40.000.00-100.0%9.87-50.7%20.00+100.0%10.00+99900.0%0.01
Reduction of Long Term Debt-15.00-42.00-35.000.00-4.72-26.80-15.00-3.12-1.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.00-0.00----
Cash from Financing Activities320.62-4.37-117.3%25.27-59.40-132.5%182.59-18.4%223.66+50.0%149.10+1114.2%12.28-75.0%49.15
Net Change in Cash-3.72-7.91-10.62-139.9%26.61-146.62-240.8%104.13+107.5%50.19+2818.0%1.72-1.72
Free Cash Flow34.5432.81+9.8%29.88+46.0%20.46-26.0%27.63+3.7%26.64+15.4%23.09+11.8%20.66+1.1%20.44
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow ratio15.2011.7714.7723.7215.2012.4412.8815.1013.60
Federal Home Loan Advances Increase (Decrease)--2.22-572.3%0.47-4.21-7.33-663.8%1.30-36.9%2.06-0.74-210.4%0.67

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Due from Banks27.36-11.9%39.43-20.3%33.10-10.0%34.29-18.7%31.07-15.5%49.48+28.8%36.79+24.2%42.20-20.1%
Investments749.70+56.8%513.69+11.4%466.92+3.4%490.58+3.5%477.98+6.9%461.04+5.9%451.43+4.1%473.89+2.6%
Net Loans2,363.91+2.2%2,371.47+6.8%2,275.33-0.8%2,327.82+1.6%2,312.93+0.2%2,219.65-0.6%2,293.58+3.4%2,291.54+2.9%
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment20.57-4.4%20.66-5.1%20.71-4.3%31.60+0.8%21.51+1.3%21.78+4.2%21.63+2.6%31.36-3.5%
Interest Receivables13.18+15.5%10.92+3.0%10.94+0.2%10.70+3.8%11.41+5.6%10.60-1.7%10.92+3.0%10.31-6.6%
Deferred Tax Assets14.53+18.2%11.44-17.8%12.24-15.2%20.04-16.5%12.29-14.9%13.91-19.0%14.44-18.3%24.01-9.8%
Other Intangible Assets221.44+18.6%222.15+17.9%204.87+10.7%155.78-1.8%186.79+1.4%188.38-0.4%185.01-2.8%158.58-7.7%
Total Assets3,413.04+11.7%3,192.12+7.6%3,026.48+0.3%3,073.16+1.3%3,056.42+1.0%2,967.27+0.7%3,016.34+3.3%3,034.53+1.7%
Total Deposits2,509.38+4.1%2,394.54+4.4%2,441.18+3.2%2,376.98-0.2%2,411.20-1.6%2,292.66+0.9%2,364.85+2.7%2,382.03+2.6%
Total Debt512.49+83.3%394.02+25.8%198.74-34.2%320.23+4.0%279.59+20.7%313.22-6.5%302.03+6.5%307.82-7.6%
Long Term Debt512.49+83.3%394.02+25.8%198.74-34.2%36.00+2.6%279.59+20.7%313.22-6.5%302.03+6.5%35.09-70.7%
Provision for Risks Charges0.000.000.003.37+6.3%0.000.000.003.17-22.3%
Deferred Tax Liabilities---8.60-2.4%---8.81-5.1%
Other Liabilities39.88+5.1%50.72+6.2%42.98+4.4%25.94-21.3%37.95-17.4%47.74-10.2%41.16-20.8%32.98-10.6%
Total Liabilities3,061.75+12.2%2,839.28+7.0%2,682.90-0.9%2,735.11+0.0%2,728.74+0.0%2,653.62-0.3%2,708.04+2.6%2,734.80+1.1%
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.00
Common Equity351.29+7.2%352.83+12.5%343.58+11.4%338.05+12.8%327.68+9.7%313.65+9.5%308.30+9.1%299.73+7.2%
Total Shareholders Equity351.29+7.2%352.83+12.5%343.58+11.4%338.05+12.8%327.68+9.7%313.65+9.5%308.30+9.1%299.73+7.2%
Accumulated Minority Interest0.000.000.000.000.000.000.000.00
Total Equity351.29+7.2%352.83+12.5%343.58+11.4%338.05+12.8%327.68+9.7%313.65+9.5%308.30+9.1%299.73+7.2%
Total Liabilities & Stockholders Equity3,413.04+11.7%3,192.12+7.6%3,026.48+0.3%3,073.16+1.3%3,056.42+1.0%2,967.27+0.7%3,016.34+3.3%3,034.53+1.7%
Book Value Per Share per share73.02+7.1%73.37+12.4%71.51+11.5%70.32+12.8%68.18+9.8%65.25+9.5%64.13+8.9%62.35+7.1%
Tangible Book Value Per Share per share54.92+9.9%55.23+17.5%53.34+16.3%52.14+18.3%49.97+14.1%47.02+14.0%45.88+13.3%44.07+10.7%
Tier 1 Capital------243.76+6.1%243.76
Tier 2 Capital------41.1741.17
Full-Time Employees people---405-1.2%---410-2.8%
Price to Book Ratio ratio1.171.010.870.840.920.920.901.01
Return on Assets %1.331.331.301.201.121.070.960.92
Return on Equity %12.6612.3212.0711.4710.8810.539.629.60
Return on Invested Capital %1.381.361.912.801.651.351.252.38
Current Ratio ratio0.030.040.030.020.030.040.030.03

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Funds from Operations8.00-10.9%9.31+5.2%9.49+28.1%10.26+41.1%8.98+30.5%8.85+34.3%7.41+12.6%7.27+1.1%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-2.88-5.50-193.5%4.771.80-8.805.88+219.6%-0.27-104.1%-2.46-170.7%
Cash from Operating Activities5.12+2911.8%3.81-74.1%14.26+100.0%12.07+150.9%0.17-96.5%14.73+74.5%7.13-45.7%4.81-54.9%
Capital Expenditures-0.23-0.29-22.12-0.07-0.14-0.49-0.58-0.46-248.4%
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.00-100.0%-0.00-100.0%0.000.000.017.18
Purchase or Sale of Investments-1.21-41.17-6.449.72-11.46-1.62-154.2%-0.01-100.1%-14.04-309.2%
Purchase of Investments-21.07-62.53-26.24-14.00-33.12-21.12-14.16-34.20
Sale Or Maturity of Investments19.86-8.3%21.36+9.5%19.79+39.9%23.73+17.7%21.66+37.0%19.50+87.3%14.15-18.6%20.16+146.5%
Other Uses-0.060.000.000.000.000.000.000.00
Other Sources0.000.39+143.8%0.00-100.0%0.000.000.160.11-98.7%-7.09
Cash from Investing Activities-248.04-143.41-331.5%33.70+994.2%-1.84-133.5%-100.8461.953.08-86.9%5.50-40.3%
Cash Dividends Paid-2.45-2.45-2.40-2.40-2.40-2.39-2.35-2.33
Preferred Dividends (Cash Flow)0.000.000.000.000.000.000.000.00
Change in Capital Stock0.00-0.13-0.14-0.15-0.06-0.22-0.04-0.05-600.0%
Repurchase of Common Pref Stock-0.01-0.15-0.16-0.17-0.08-0.24-0.06-0.06
Sale of Common Pref Stock0.020.0%0.020.0%0.02+100.0%0.020.0%0.020.020.010.02+100.0%
Proceedsfrom Stock Options0.020.0%0.020.0%0.02+100.0%0.020.0%0.020.020.010.02+100.0%
Issuance or Reduction of Debt, Net118.46195.15+1703.6%-110.81-2912.4%29.76-54.7%-33.8210.82-78.7%3.9465.63+1082.5%
Change in Long Term Debt0.00-10.000.00-5.00-27.00-10.000.00-25.00-225.0%
Issuance of Long Term Debt0.000.000.000.000.000.000.000.00-100.0%
Reduction of Long Term Debt0.00-10.000.00-5.00-27.00-10.000.00-25.00
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.00
Cash from Financing Activities230.85+180.6%145.93-49.15-7.0182.26+15.6%-63.98-441.0%-15.63-4.87
Net Change in Cash-12.076.32-50.2%-1.193.22-40.8%-18.4112.70+44.2%-5.425.44-42.6%
Free Cash Flow4.89+16200.0%3.52-75.3%14.13+115.7%12.00+175.9%0.03-99.3%14.24+71.4%6.55-49.8%4.35-58.0%
Price to Free Cash Flow ratio15.2017.389.5311.7618.4414.1619.6514.62

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20242025vs 20242025 share
Total State Commercial Banks revenue9.619.88+2.8%100.0%
Total9.619.88+2.8%100.0%
Region
Name20242025vs 20242025 share
United States9.619.88+2.8%100.0%
Total9.619.88+2.8%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.23%0.1M4.5M39.69K
2026-10-151.56%0.1M4.5M35.82K
2026-09-301.53%0.1M4.5M32.57K
2026-09-151.69%0.1M4.5M28.77K
2026-08-311.66%0.1M4.5M24.13K
2026-08-141.61%0.1M4.5M18.72K
2026-07-311.34%0.1M4.5M11.98K
2026-07-151.15%0.1M4.5M8.99K
2026-06-301.21%0.1M4.5M8.22K
2026-06-150.88%0.0M4.5M7.16K
2026-05-290.82%0.0M4.5M7.97K
2026-05-150.81%0.0M4.5M8.39K
2026-04-300.85%0.0M4.5M9.37K
2026-04-150.85%0.0M4.5M11.12K
2026-03-311.11%0.0M4.5M11.70K
2026-03-130.93%0.0M4.5M11.18K
2026-02-270.81%0.0M4.5M10.53K
2026-02-130.77%0.0M4.5M10.56K
2026-01-300.67%0.0M4.5M10.26K
2026-01-150.84%0.0M4.5M8.61K

Option chain

Expiry 2026-11-13 · underlying 85.48, quoted 12 Nov 15:59 ET · ATM -

Option quotes -. A date on a row is older than the last session (12 Nov). 0 rows.

Implied move — the ATM straddle is not quoted.

Put/call open interest — no calls · Put/call volume — no calls

IV change is points against the prior close.

TypeStrikeMoneyBidAskLastChgIVOpen intVolumeLast sizeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-308-KCurrent report2026-09-30SEC
2026-09-224Statement of changes in beneficial ownership of securities2026-09-22SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-154Statement of changes in beneficial ownership of securities2026-09-15SEC
2026-09-084Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-09-014Statement of changes in beneficial ownership of securities2026-08-31SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-05SEC
2026-07-308-KCurrent report2026-07-30SEC
2026-07-27SCHEDULE 13G/ASEC
2026-07-234Statement of changes in beneficial ownership of securities2026-07-22SEC
2026-07-094Statement of changes in beneficial ownership of securities2026-07-09SEC
2026-07-094Statement of changes in beneficial ownership of securities2026-07-09SEC
2026-06-264Statement of changes in beneficial ownership of securities2026-06-25SEC
2026-06-264Statement of changes in beneficial ownership of securities2026-06-25SEC
2026-06-264Statement of changes in beneficial ownership of securities2026-06-25SEC
2026-06-264Statement of changes in beneficial ownership of securities2026-06-25SEC
2026-06-264Statement of changes in beneficial ownership of securities2026-06-25SEC
2026-06-254Statement of changes in beneficial ownership of securities2026-06-25SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-0814.71K200
2026-07001.07K1
2026-06001.93K1
2026-0511.01K21.55K1
2026-040000
2026-0341.18K100
2026-02742100
2026-010000
2025-120000
2025-1127.91K300

Institutional holders

Manager% owned
BlackRock, Inc.7.38%
VANGUARD CAPITAL MANAGEMENT LLC4.18%
CITIZENS & NORTHERN CORP2.47%
GEODE CAPITAL MANAGEMENT, LLC2.43%
AMERICAN CENTURY COMPANIES INC1.96%
STATE STREET CORP1.94%
Hudock, Inc.1.65%
DIMENSIONAL FUND ADVISORS LP0.94%
CHARLES SCHWAB INVESTMENT MANAGEMENT INC0.81%
NORTHERN TRUST CORP0.78%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND2.94%
iShares Russell 2000 ETF2.52%
Avantis U.S. Small Cap Value ETF1.27%
VANGUARD EXTENDED MARKET INDEX FUND1.15%
Fidelity Small Cap Index Fund1.06%
iShares Russell 2000 Value ETF0.91%
VANGUARD RUSSELL 2000 INDEX FUND0.55%
Fidelity Extended Market Index Fund0.51%
Schwab U.S. Small-Cap ETF0.48%
iShares Micro-Cap ETF0.33%

OakChart. CZFS. Cached 15 minutes. Terms