NASDAQ · Financial Services
Invest in Citizens Financial Services stock from India
Indian and foreign residents can buy Citizens Financial Services (CZFS) shares directly through Paasa.
By Paasa · Updated
Citizens Financial Services at a glance
- Price
- $78.61-$1.45 (1.81%)
- Market cap
- $377.72M
- Day range
- $78.16 – $80.01
- P/E
- 9.17
- Dividend yield
- 2.57%
- Volume
- 33.42K
- 1 month
- -2.15%
- 6 months
- +28.55%
- YTD
- +37.86%
- 1 year
- +30.41%
- 5 years
- +29.59%
Citizens Financial Services statements, FY2021–FY2025
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $173.2M | $168.6M | $138.7M | $93.1M | $85.5M |
| Gross profit | $109.7M | $98.2M | $86.3M | $80.2M | $76.9M |
| Operating income | $45.1M | $33.7M | $21.5M | $35.5M | $35.3M |
| Net income | $36.6M | $27.8M | $17.8M | $29.1M | $29.1M |
| Earnings per share | $7.62 | $5.80 | $3.98 | $7.10 | $7.09 |
| EBITDA | $45.1M | $35.5M | $23.0M | $36.5M | $36.4M |
| Total assets | $3.1B | $3.0B | $3.0B | $2.3B | $2.1B |
| Total debt | $309.4M | $297.7M | $302.0M | $257.3M | $74.0M |
| Cash and short-term investments | $74.2M | $93.1M | $474.5M | $471.8M | $596.3M |
| Shareholders' equity | $338.1M | $299.7M | $279.7M | $200.1M | $212.5M |
| Operating cash flow | $36.5M | $33.2M | $26.5M | $33.2M | $38.7M |
| Free cash flow | $35.2M | $31.9M | $23.9M | $31.6M | $37.6M |
| Capital expenditure | −$1.3M | −$1.3M | −$2.6M | −$1.6M | −$1.1M |
Fiscal years as reported, the latest ending 31 Dec 2025. Figures in USD; a dash means the provider reported nothing for that line.
Peer comparison
| Company | Ticker | Price | Market cap |
|---|---|---|---|
| Citizens & Northern | CZNC | $25.02 | $448.27M |
| Colony Bankcorp | CBAN | $20.14 | $426.13M |
| Parke Bancorp | PKBK | $32.70 | $387.25M |
| First Bancorp | FNLC | $33.34 | $375.94M |
| Northeast Community Bancorp | NECB | $26.03 | $359.61M |
| Timberland Bancorp | TSBK | $44.58 | $348.97M |
| LINKBANCORP | LNKB | $8.69 | $325.59M |
| CoastalSouth Bancshares | COSO | $26.22 | $315.57M |
Peers as grouped by the data provider. This is not an investment recommendation.
Analyst price targets
- Low
- —
- High
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- Median
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- Consensus
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Ratings: 2 buy · 0 hold · 0 sell. Consensus: Buy.
Published sell-side 12-month targets in USD, aggregated by the data provider. They are not Paasa's view and not a forecast.
How to invest in Citizens Financial Services from India
Step 1
Open your Paasa account
KYC takes a few minutes: PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Step 2
Add funds from your Indian bank account
Remit up to $250,000 a year under the RBI's Liberalised Remittance Scheme. Your bank converts the rupees to US dollars at its rate on the day you remit.
Step 3
Search CZFS and buy
Find Citizens Financial Services by name or by its ticker, CZFS, and place your order. Fractional shares are available and there is no minimum trade size, so you can buy by amount instead of whole shares.
Why invest in Citizens Financial Services from India
What Citizens Financial Services does
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. Citizens Financial Services operates in the Banks - Regional industry within the Financial Services sector.
Hold a dollar asset
Citizens Financial Services shares are priced in US dollars, so a weaker rupee adds to what they're worth in rupees. The rupee depreciated over 85% against the dollar between 2010 and 2025.
Buy a fraction of a share
Buy by amount, not by share, and get the matching fraction of one Citizens Financial Services share. There is no minimum trade size.
Paasa handles the paperwork
Investing abroad brings paperwork with it: remittance filings, capital gains reporting, foreign asset disclosure. Paasa prepares all of it for you. Your India-ready tax reports arrive at year end, ready to file.
Planning to hold more than $60,000 in US stocks? Here's what US estate tax means for you.
US-listed shares held in your own name fall under US estate tax rules. If your US holdings cross $60,000, the amount above that can be taxed at up to 40% when the account passes to your family.
There are two ways to plan for it: keep the right estate documentation in place, or get your financial services exposure through a UCITS ETF instead, which sits outside US estate tax.
Frequently asked questions
Can I buy Citizens Financial Services stock from India?
Yes. Indian residents and NRIs can buy Citizens Financial Services (CZFS) shares directly through Paasa. Citizens Financial Services is listed on NASDAQ, in the Banks - Regional industry. Your money leaves India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name at Interactive Brokers.
Do I need to buy a full Citizens Financial Services share?
No. You can buy part of one Citizens Financial Services share and add to your position over time. One share is $78.61, and you can buy whole shares or any fraction; there is no minimum trade size.
How are Citizens Financial Services dividends taxed for Indian investors?
The US withholds 25% tax on dividends before they reach you; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit when you file in India. Dividends are taxed at your slab rate in India. Citizens Financial Services’ current yield is 2.57%. Paasa's dividend report lists the gross dividend and any tax withheld for each payment, which is what you need when you file.
What tax do I pay in India when I sell Citizens Financial Services shares?
The US does not levy capital gains tax on shares for Indian residents. In India, gains on shares held for more than 24 months are long-term and taxed at 12.5%, and gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. Both are worked out in rupees at the USD/INR rate on the day you bought and the day you sold, so the currency move is part of the gain. Paasa's capital-gains statement gives you the figures for your return.
What happens to my Citizens Financial Services shares if I pass away?
US-listed shares held in your own name fall under US estate tax rules. If your US holdings cross $60,000, the amount above that can be taxed at up to 40% when the account passes to your family. There are two ways to plan for it: keep the right estate documentation in place, or get your financial services exposure through a UCITS ETF instead, which sits outside US estate tax. Paasa's US estate tax calculator shows the exposure for a given portfolio value.