CZFS (Citizens Financial Services) Total Deposits: $2,394.5 Mil (As of Jun. 2026)

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CZFS Citizens Financial Services Inc CZFS
66 GF Score
Price $80.87
GF Value $63.15
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Citizens Financial Services Total Deposits?

Citizens Financial Services CZFS -0.21% 66 Total Deposits is $2,394.5 Mil as of Jun. 2026. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Citizens Financial Services's annual total deposits increased from Dec. 2023 ($2,321.5 Mil) to Dec. 2024 ($2,382.0 Mil) but then declined from Dec. 2024 ($2,382.0 Mil) to Dec. 2025 ($2,377.0 Mil).

Citizens Financial Services Total Deposits Historical Data

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The historical data trend for Citizens Financial Services's Total Deposits can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Financial Services Total Deposits Chart

Citizens Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,836.15 1,844.21 2,321.48 2,382.03 2,376.98

Citizens Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Deposits Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,292.66 2,411.20 2,376.98 2,441.19 2,394.54
CZFS
66GF Score
Citizens Financial Services Inc CZFS
Total Deposits is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Financial Services Total Deposits Calculation

Total Deposits that banks' customers have in their accounts. This is an very important source of banks' liquidity.

When banks' customers flood to their banks to take their deposit out, it may be called "Bank Run", which may bring down a bank due to liquidity issues.

Frequently Asked Questions Learn more about Total Deposits →
What does a Total Deposits of $2,394.5 Mil mean?
Citizens Financial Services (CZFS) has a Total Deposits of $2,394.5 Mil as of Jun. 2026. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Citizens Financial Services and its competitors.
Is Citizens Financial Services' Total Deposits too high?
Citizens Financial Services' current Total Deposits is $2,394.5 Mil. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Total Deposits compare to NWFL and WSBF?
Citizens Financial Services' Total Deposits of $2,394.5 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Deposits for a Banks company?
A good Total Deposits depends on the Banks industry context. However, Total Deposits should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Deposits mean?
A high Total Deposits can signal that a stock is expensive relative to its fundamentals. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for Citizens Financial Services and its competitors. Citizens Financial Services's current Total Deposits is $2,394.5 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Total Deposits is $2,394.5 Mil. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Deposits calculated?
Total Deposits is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Total Deposits is $2,394.5 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Citizens Financial Services (CZFS) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued. The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15. GuruFocus considers Citizens Financial Services to be Modestly Overvalued.

Key valuation signals for CZFS:

  • Total Deposits: $2,394.5 Mil
  • GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
  • GF Score™: 66/100 with 8 warning signs

No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Financial Services Business Description

Address 15 South Main Street, Mansfield, PA, USA, 16933
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score

Get the complete analysis for CZFS

Total Deposits is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.87
Price
$63.15
GF Value