What is Citizens Financial Services, Inc.'s Shariah compliance score?

Citizens Financial Services, Inc.'s (CZFS) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Citizens Financial Services, Inc. pass AAOIFI screening?

Citizens Financial Services, Inc. (CZFS) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (CZFS: 94.8%), (3) interest-bearing deposits below 30% (CZFS: 10.5%), and (4) prohibited income below 5% (CZFS: 1599.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for Citizens Financial Services, Inc. stock?

Citizens Financial Services, Inc. (CZFS) has a non-permissible income ratio of 1599.59%. Muslim investors should purify this percentage of any dividends received and capital gains realized from CZFS shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen Citizens Financial Services, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Citizens Financial Services, Inc. (CZFS) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about CZFS's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

Is Citizens Financial Services, Inc. (CZFS) halal? Not Halal. Based on AAOIFI screening, Citizens Financial Services, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

CZFS: Is Citizens Financial Services, Inc. Halal?

Not Halal

Citizens Financial Services, Inc.

NASDAQFinancial ServicesUS

$64.40

-0.97%

AvoidBorderlineClean

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include 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 mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 18, 2026

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap94.8% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Screened: Jun 18, 2026Fiscal: Q1 2026Source: EDGAR

Financial Overview

Market Cap

309.4M

Price

$64.40

Sector

Financial Services

Industry

Banks - Regional

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

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ABA+

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IPCXA+

Inflection Point Acquisition Corp. III

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AXINA+

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$10.42

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Free · No credit card required

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Frequently Asked Questions

Is Citizens Financial Services, Inc. (CZFS) halal to invest in?

Citizens Financial Services, Inc. (CZFS) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Citizens Financial Services, Inc. get a F compliance rating?

Citizens Financial Services, Inc. (CZFS) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 94.8% (limit 30%); interest-bearing deposits of 10.5% (limit 30%); prohibited income of 1599.59% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Citizens Financial Services, Inc.'s Shariah verdict?

Citizens Financial Services, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Citizens Financial Services, Inc. re-screened for Shariah compliance?

Citizens Financial Services, Inc. (CZFS) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jun 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.