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CZFS

Citizens Financial ServicesC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Core profitability is improving: first-half net income increased 27.9%, net interest income before provision increased 11.1%, loans grew 6.8%, and reported returns improved. The available median analyst target of $89 implies approximately 16% upside from the $76.53 anchor, but the target count is unavailable.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Analyst coverage is low, target count and revisions are unavailable, and no social, options, or short-interest evidence is supplied.
Momentum
49
Value
63
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $80.00 · Bull $89.00 · Bear $65.00Analysis 2026-08-04; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $89.00
Why
Momentum49 · Δ7d -
Value63 · Δ7d 0.0
Sentiment59 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Analyst coverage is low, target count and revisions are unavailable, and no social, options, or short-interest evidence is supplied.
  • • Non-performing assets increased to $43.365 million, or 1.81% of loans, with commercial-real-estate and construction exposures the primary drivers [#SEC-8K-2026-07-30].
  • • The main counterweight is credit quality: non-performing assets rose materially, driven by commercial-real-estate and construction exposures.

Catalyst clock

2026-11-02

Commercial real-estate credit resolution

Lead driver: Sentiment · See AI snapshot
Momentum
49
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
59
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 48.7 / Value 62.5 / Sentiment 59.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-04. Scenario method

B+
Bull case
25%
Probability
Target price
$89.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$65.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$393.88M
Beta
0.43
Shares Out
4.81M
P/E (TTM)
8.1
P/S (TTM)
2.54
P/FCF (TTM)
14.49
Rev YoY
+2.3%
EPS YoY
+20.3%
Gross Margin
-
Op Margin
+28.7%
Net Debt
$285.93M
Current Ratio
0.04
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data