CZFS NASDAQ Week ended 31 Jul 2026

Weekly Investor Report

Citizens Financial Services Inc. Common Stock · Financial Services · Banks - Regional

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Latest close 77.52 USD
3.5% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 18.7% above the Trend Line and sits at 93.4% of its 52-week range. The latest completed week returned 3.5%, after a 7.4% four-week move. The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is inexpensive relative to peers. The latest news-sentiment score is 52/100. Near-term considerations: price is close to its 52-week high.

Setup score 80 out of 100
Latest Close 77.52 USD 31 Jul 2026
1W Return 3.5% latest completed week
4W Return 7.4% short-term follow-through
12W Return 22.4% quarterly tape
Trend Breadth 67.3% 35 of 52 weeks active
Volume Ratio 2.6x vs 13-week average
What is working
  • The trend backdrop is active with a 29-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • 2 reversal markers appear in the recent smart-money tape.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 3.5% Latest completed week; four-week move 7.4%. Indicator stack 82/78 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. News sentiment 52/100 68 relevant articles in the latest sentiment read. Event risk 29 Jul Latest stored earnings date was 29 Jul 2026.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 18.7% above the Trend Line and sits at 93.4% of its 52-week range. The latest completed week returned 3.5%, after a 7.4% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 2.6x the 13-week average. Participation is unusually strong and confirms that the move is attracting attention.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.9212-week average 0.80

12-week confirmation

Trend active12/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure8/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership6/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.92Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers22 reversal markers

No recent accumulation markers. 2 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 7.4% over four weeks, 22.4% over 12 weeks, and 52.1% over one year. The current trend has remained active for 29 consecutive weeks.

Performance by holding period

1W3.5%
4W7.4%
12W22.4%
26W24.5%
52W52.1%
Active trend streak29 weeks
Active weeks in one year35
Trend breadth67.3%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.55Latest activity-pressure read.
Pressure change-1.4%Four-week change in activity pressure.
Leadership15.42Latest relative-leadership reading.
RS change259.4%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality is middle-of-the-pack; growth is moderate; valuation is inexpensive relative to peers.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Mar 2026 Field coverage 100% Model confidence 96%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength88/100Blend of value, momentum, and quality. Underlying universe rank 13; rank 1 is best.
Value90/100Relative valuation strength. Underlying universe rank 11; rank 1 is best.
Quality35/100Profitability and accounting quality. Underlying universe rank 66; rank 1 is best.
Momentum78/100Medium-term price momentum. Underlying universe rank 23; rank 1 is best.
Growth37/100Revenue and earnings growth. Underlying universe rank 64; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
9.1x
Price divided by trailing earnings.
Price / sales
2.1x
Market value relative to trailing revenue.
EV / EBITDA
10.6x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
8.7%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
64.8%
Gross profit retained from each unit of revenue.
Operating margin
27.7%
Operating profit retained from revenue.
Free-cash-flow margin
26.0%
Free cash flow generated from revenue.
Return on invested capital
7.8%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
3.3%
Latest one-year revenue growth.
EPS growth
38.4%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
39.7%
Latest one-year free-cash-flow growth.
Piotroski F-score
5/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
2.7%
Cash dividends relative to market value.
Buyback yield
0.2%
Net share repurchases relative to market value.
Shareholder yield
2.9%
Dividend yield plus net buyback yield.
Net debt / EBITDA
3.3x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Insider activity17 / 3

17 acquisitions and 3 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment52/100

Weighted news tone is neutral across 68 relevant articles.

13 positive · 49 neutral · 6 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings29 JulLatest stored earnings date was 29 Jul 2026.
Options expected move-Nearest-chain priced movement where available.
52-week drawdown-2.5%Distance below the 52-week high.
13-week volatility3.5%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher16 of 2610 weeks finished lower.
Best week+8.6%Week of 26 Jun.
Worst week-7.0%Week of 1 May.
Latest week+3.5%Week of 31 Jul.

Shape of recent returns

Strong gains6
Modest gains10
Flat weeks0
Modest losses8
Sharp losses2
Recent vol3.5%13-week weekly-return volatility.
Base vol4.1%52-week weekly-return volatility.
Up/down split30/22Count of positive and negative weeks in the 52-week window.
Average skew3.9% / -3.2%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape78/100

Trend, activity pressure, participation, and risk combine to a 78/100 tape read.

 Indicator analysis70/100

Latest 12-week confirmation: trend 12/12, activity pressure 8/12, relative leadership 6/12.

Activity pressure 0.92; 2 reversal markers Factors71/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 40; Small Cap Core rank 17 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Sentiment52/100

Weighted news tone is neutral across 68 relevant articles.

Citizens Financial Services (NASDAQ:CZFS) Stock Rating Lowered by Zacks Research Insiders17 / 3

17 acquisitions and 3 disposals in the latest 180-day insider tape.

 Earnings29 Jul

Latest stored earnings date was 29 Jul 2026.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202677.52 USD3.5%65.28 USD54.77 USD1.5515.42150.2KOn
24 Jul 202674.88 USD1.7%64.53 USD54.66 USD1.4912.5591.8KOn
17 Jul 202673.62 USD4.6%63.94 USD54.58 USD1.559.1056.7KOn
10 Jul 202670.38 USD-2.5%63.41 USD54.51 USD1.520.0373.2KOn
3 Jul 202672.21 USD-2.2%63.08 USD54.44 USD1.574.2946.1KOn
26 Jun 202673.82 USD8.6%62.52 USD54.39 USD1.327.29127.5KOn
19 Jun 202667.96 USD-2.4%61.88 USD54.34 USD0.84-5.6735.3KOn
12 Jun 202669.65 USD7.3%61.47 USD54.38 USD0.44-0.9737.9KOn
5 Jun 202664.89 USD0.5%60.98 USD54.43 USD-0.08-5.7136.4KOn
29 May 202664.56 USD2.2%60.72 USD54.54 USD-0.29-10.7722.3KOn
22 May 202663.14 USD0.8%60.35 USD54.60 USD-0.48-10.6626.8KOn
15 May 202662.65 USD-1.1%60.06 USD54.63 USD-0.36-10.6921.2KOn
8 May 202663.34 USD4.0%59.75 USD54.67 USD-0.08-10.4024.6KOn
1 May 202660.87 USD-7.0%59.41 USD54.70 USD0.13-9.5226.4KOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.