Is CITIZENS FINANCIAL SERVICES INC (CZFS) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 46.8% | |
| Net Margin | 33.3% | |
| Return on Equity (ROE) | 11.5% | |
| Return on Assets (ROA) | 1.2% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $37M |
| Free Cash Flow | $35M |
| Total Debt | $294M |
| Total Assets | $3.1B |
Price & Trading
| Last Close | $60.19 |
| 50-Day MA | $62.37 |
| 200-Day MA | $59.32 |
| Avg Volume | 11K |
| Beta | 0.4 |
|
52-Week Range
$49.99
| |
About CITIZENS FINANCIAL SERVICES INC (CZFS)
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.
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Frequently Asked Questions
Is CITIZENS FINANCIAL SERVICES INC (CZFS) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), CITIZENS FINANCIAL SERVICES INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is CITIZENS FINANCIAL SERVICES INC's debt ratio?
CITIZENS FINANCIAL SERVICES INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are CITIZENS FINANCIAL SERVICES INC's key financial metrics?
CITIZENS FINANCIAL SERVICES INC has a market capitalization of $290M, trailing P/E ratio of 7.9, and revenue of $112M. Return on equity stands at 11.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.