86.18
+1.54%
Close of 9 Nov 2026, in USD
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About Citizens Financial Services
From its filings with the US Securities and Exchange Commission
Citizens Financial Services is based in Mansfield, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker CZFS. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $9.9m and net income of $36.6m. At that date it held total assets of $3.06bn and shareholders' equity of $338.1m.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 405
- Head office
- 15 S MAIN ST, MANSFIELD, PA, 16933
- Incorporated in
- PA
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. R. Joseph LandyIndependent Chairman of the Board, since 2001$83,816
- Mr. Randall BlackChief Executive Officer, President of the Company and the Bank, Vice Chairman of the Board, since 2004$853,606
- Mr. Stephen GuillaumeChief Financial Officer, Executive Vice President of the Company and Bank$182,638
- Mr. Jeffrey WhiteChief Operating Officer, Executive Vice President
- Mr. David RichardsSenior Executive Vice President, Director - Emerging Markets and Director, since 2017$403,123
- Ms. Leeann GephartExecutive Vice President, Chief Banking Officer for the Bank
- Mr. Jeffrey WilsonSenior Executive Vice President, Chief Credit Officer.$318,974
- Mr. Mickey JonesDirector, since 2004$327,465
- Mr. Robert ChappellIndependent Director$61,194
- Mr. Rinaldo DePaolaIndependent Director$61,194
- Mr. Thomas FreemanIndependent Director$60,019
- Mr. Roger GrahamIndependent Director$61,594
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 26
- Environment
- 30
- Social
- 20
- Governance
- 29
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Citizens Financial Services Inc has a strong market presence and brand reputation in the financial services industry.
- The company has a diverse range of financial products and services, catering to both individual and corporate clients.
- Citizens Financial Services Inc has a well-established customer base, allowing for strong customer loyalty and repeat business.
Weaknesses
- One of the weaknesses of Citizens Financial Services Inc is its relatively lower market share compared to some of its competitors.
- The company may have slower response times and less agility in decision-making due to its size and organizational structure.
- Citizens Financial Services Inc may sometimes face difficulties in adapting to rapidly changing technology and industry trends.
Opportunities
- The growing demand for digital banking and online financial services presents an opportunity for Citizens Financial Services Inc to expand its digital offerings.
- Citizens Financial Services Inc can explore potential partnerships or acquisitions to enhance its market position and diversify its product portfolio.
- The company can focus on developing personalized and customized financial solutions to meet the evolving needs of its customers.
Threats
- Intense competition from other established financial institutions and emerging fintech companies poses a threat to Citizens Financial Services Inc's market share.
- Economic uncertainties and fluctuations in interest rates may impact the profitability and performance of Citizens Financial Services Inc.
- The continuously evolving regulatory environment in the financial services industry can pose compliance challenges for Citizens Financial Services Inc.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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