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Citizens Financial Services's quarterly market cap
increased
from Dec. 2025 ($274.1 Mil) to Mar. 2026 ($293.8 Mil) and
increased
from Mar. 2026 ($293.8 Mil) to Jun. 2026 ($348.4 Mil).
Citizens Financial Services's annual market cap
declined
from Dec. 2023 ($304.7 Mil) to Dec. 2024 ($301.3 Mil) and
declined
from Dec. 2024 ($301.3 Mil) to Dec. 2025 ($274.1 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Citizens Financial Services's Enterprise Value for Today is $740.2 Mil.
Citizens Financial Services (NAS:CZFS) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
Citizens Financial Services Market Cap Related Terms
Citizens Financial Services Market Cap Historical Data
* 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.
For the Banks - Regional subindustry, Citizens Financial Services's Market Cap, along with its competitors' market caps and Market Cap data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Services Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's Market Cap distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's Market Cap falls into.
Citizens Financial Services Market Cap Calculation
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
* 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 (CZFS) has a Market Cap of $389.0 Mil as of Aug. 29, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Citizens Financial Services and its competitors. According to the industry distribution chart, Citizens Financial Services ranks #917 out of 1538 companies in the Banks industry, placing it in the top 59.6%.
Is Citizens Financial Services' Market Cap too high?
Citizens Financial Services' current Market Cap is $389.0 Mil. The Banks industry median Market Cap is 741.84. Citizens Financial Services' value of $389.0 Mil is 47.6% below this industry median. Based on the distribution chart, Citizens Financial Services ranks #917 out of 1538 companies in the Banks industry, which is below the industry midpoint. 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' Market Cap compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #917 out of 1538 companies for Market Cap. This places Citizens Financial Services in the lower half of its industry. The industry median Market Cap is 741.84. Citizens Financial Services' value of $389.0 Mil is 47.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 741.84, based on 1,538 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Market Cap of $389.0 Mil is 47.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Market Cap is 741.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Market Cap is $389.0 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 Market Cap is $389.0 Mil and 47.6% below the Banks industry median of 741.84. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Market Cap is $389.0 Mil as of Aug. 29, 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:
Market Cap: $389.0 Mil
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 47.6% below the Banks median (#917 of 1538)
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 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
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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