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Compliance updated on Jun 19, 2026 Screened by AAOIFI-Certified Shariah Advisor & Auditor
Financial data updated nightly

Citizens Financial Services Inc

CZFS ✗ NOT COMPLIANT ☆ Track — members
Nasdaq · Financials · Banks ·
USA Small Cap Analyst: BUY
Last Close
$82.54
▲ +1.02%
Market Cap $397.01M · Vol 5.33K
Key Metrics
P/E Ratio
9.65
FWD: 9.42
Market Cap
$397.01M
Small Cap
Div Yield
2.50%
Quarterly dividend
EPS Growth
+14.17%
YoY
RSI (14)
68.53
Momentum
Beta
0.72
vs Market
52W High
$83.85
1.56% below
52W Low
$52.35
57.67% above
Volume
5.33K
Avg 7.08K
P/B
0.81
Price-to-book
ROE
11.46%
Return on equity
Free Float
93.49%
Public shares
Shariah Compliance8 STANDARDS
✗ Citizens Financial Services Inc (CZFS) stock is currently not Shariah compliant
  • AAOIFI—
  • Dow Jones Islamic (DJIM)—
  • FTSE Shariah—
  • MSCI Islamic—
  • S&P Shariah—
  • Al Rajhi—
  • Alinma—
  • Albilad—
Unlock the full Shariah report

See which standards it fails, the exact ratios behind the verdict, and halal alternatives. AAOIFI-certified methodology trusted by global Islamic funds.

Which standards does CZFS pass?

The full report shows the verdict under each of the 8 major Shariah standards, with the business-activity and financial-ratio screens behind every one.

Do I need to purify my investment?

Members see the purification amount per share, updated every financial period under the AAOIFI methodology.

Can I calculate zakat for my shares?

Members get zakat per share and a built-in calculator for their exact holding.

Historical Returns
5D
+2.66%
1M
+15.73%
3M
+31.92%
6M
+29.13%
YTD
+44.76%
1Y
+40.23%
3Y
+48.37%
5Y
N/A
Financials & Valuation
TTM · Annual
Total RevenueN/A
Net Income$36.57M
Revenue Growth (YoY)+9.44%
Gross MarginN/A
Operating Margin41.08%
Net Profit Margin33.01%
ROE11.46%
ROA · ROIC1.49% · 5.88%
P/E Ratio9.65
Forward P/E (FY1)9.42
PEG Ratio0.24
P/S2.47
P/B0.81
P/FCF9.07
EPS Growth+14.17%
Outstanding Shares4.81M
Technical Indicators
50-Day SMA$73.25
200-Day SMA$64.34
RSI (14)68.53
Beta0.72
52-Week High$83.85
52-Week Low$52.35
Volume Today5.33K
Avg Daily Volume (30D)7.08K
Relative Volume0.75x
Volatility (10D)41.61
Volatility (30D)36.68
Free Float93.49%
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