Citizens Financial Services, Inc.
Citizens Financial Services, Inc. (NASDAQ: CZFS) is trading at $79.85, about ₹7,656 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 0.66% today. Indian residents can buy Citizens Financial Services from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$78.51
Today's high
$80.63
52 week low
$52.35
52 week high
$84.65
CZFS opened at $79.38, closed previously at $79.33, and has traded between $52.35 and $84.65 over the past 52 weeks.
About
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. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
Key statistics
Avg. volume
25.04K
Market cap
$383.67M
P/E Ratio
9.32
Price-to-sales ratio
2.18
Enterprise value
$738.27M
Free cash flow yield
9.94%
Debt-to-equity ratio
1.12
Return on equity
12.05%
ROIC
1.29%
Beta
0.38
Dividend yield
2.53%
Last dividend
$2.02
Financial overview
Revenue
$173.24M
Earnings per share
$7.62
Free cash flow
$35.24M
Net profit margin
23.34%
Gross margin
65.87%
EBITDA
$45.09M
Revenue growth
2.75%
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This is not an investment recommendation
How to buy Citizens Financial Services from India
Indian residents can buy Citizens Financial Services shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Citizens Financial Services and place an order
Find Citizens Financial Services by name or by its ticker, CZFS, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Citizens Financial Services trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Citizens Financial Services position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Citizens Financial Services from India
Trading and taxes when buying Citizens Financial Services from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Citizens Financial Services’ current yield is 2.53%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Citizens Financial Services stock?
Yes. Citizens Financial Services (CZFS) has been listed on NASDAQ since 1999, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Citizens Financial Services share cost in rupees?
One Citizens Financial Services share is $79.85 — about ₹7,656 at a USD/INR rate of 95.88 on 26 Sep 2026. Both the Citizens Financial Services price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Citizens Financial Services from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Citizens Financial Services?
Yes. One Citizens Financial Services share is $79.85, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Citizens Financial Services.
How are gains on Citizens Financial Services shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Citizens Financial Services price. Paasa issues a capital-gains statement for your return.
Does Citizens Financial Services pay a dividend, and how is it taxed in India?
Yes. Citizens Financial Services pays a dividend and the current yield is 2.53%; the last declared dividend was $2.02 per share, about ₹193.68. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Citizens Financial Services from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Citizens Financial Services shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Citizens Financial Services shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Citizens Financial Services holding, its cost and its closing value.
How do I sell Citizens Financial Services and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.