NASDAQ : CZFS
Citizens Financial Services, Inc. — Key statistics
Financials · Banks - Regional · United States
Last price 84.9 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 408.36M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 413.77M |
| Enterprise Value | 893.06M |
Dates
| Measure | Value |
|---|
| Earnings Date | Oct 30, 2026 |
| Ex-Dividend Date | Sep 11, 2026 |
Shares
| Measure | Value |
|---|
| Current Share Class | 4.81M |
| Shares Outstanding | 4.81M |
| Shares Change (YoY) | +0.00% |
| Shares Change (QoQ) | +0.00% |
| Owned by Insiders (%) | 6.57% |
| Owned by Institutions (%) | 31.56% |
| Float | 4.49M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 9.61 |
| Forward PE | 9.80 |
| PS Ratio | 3.47 |
| Forward PS | n/a |
| PB Ratio | 1.18 |
| P/TBV Ratio | 1.57 |
| P/FCF Ratio | 11.21 |
| P/OCF Ratio | 11.02 |
| PEG Ratio | n/a |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 20.78 |
| EV / Sales | 7.49 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 24.20 |
Financialposition
| Measure | Value |
|---|
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.47 |
| Debt / EBITDA | n/a |
| Debt / FCF | 14.04 |
| Interest Coverage | n/a |
Financialefficiency
| Measure | Value |
|---|
| Return on Equity (ROE) | 12.66% |
| Return on Assets (ROA) | 1.33% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.84% |
| Revenue Per Employee | $294,284 |
| Profits Per Employee | $106,091 |
| Employee Count | 405 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | 9.55M |
| Effective Tax Rate | 18.19% |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 0.39 |
| 52-Week Price Change | +56.98% |
| 50-Day Moving Average | 81.20 |
| 200-Day Moving Average | 70.84 |
| Relative Strength Index (RSI) | 68.83 |
| Average Volume (20 Days) | 39,519 |
Shortselling
| Measure | Value |
|---|
| Short Interest | 69,907 |
| Short Previous Month | 68,529 |
| Short % of Shares Out | 1.45% |
| Short % of Float | 1.56% |
| Short Ratio (days to cover) | 1.87 |
Incomestatement
| Measure | Value |
|---|
| Revenue | 119.19M |
| Gross Profit | 119.19M |
| Operating Income | 55.37M |
| Pretax Income | 52.52M |
| Net Income | 42.97M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $8.95 |
Balancesheet
| Measure | Value |
|---|
| Cash & Cash Equivalents | 38.69M |
| Total Debt | 517.98M |
| Net Cash | -479.29M |
| Net Cash Per Share | -$99.63 |
| Equity (Book Value) | 351.29M |
| Book Value Per Share | 73.02 |
| Working Capital | -2.20B |
Cashflow
| Measure | Value |
|---|
| Operating Cash Flow | 37.53M |
| Capital Expenditures | -628,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 80.29M |
| Free Cash Flow | 36.91M |
| FCF Per Share | $7.67 |
Margins
| Measure | Value |
|---|
| Gross Margin | n/a |
| Operating Margin | 46.46% |
| Pretax Margin | 44.07% |
| Profit Margin | 36.05% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.16% |
Dividends
| Measure | Value |
|---|
| Dividend Per Share | $2.04 |
| Dividend Yield | 2.37% |
| Dividend Growth (YoY) | 2.53% |
| Years of Dividend Growth | 4 |
| Payout Ratio | 22.57% |
| FCF Payout Ratio | 26.33% |
| Buyback Yield | -0.00% |
| Shareholder Yield | 2.37% |
| Earnings Yield | 10.41% |
| FCF Yield | 8.92% |
Analystforecasts
| Measure | Value |
|---|
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | Jun 13, 2025 |
| Split Type | Forward |
| Split Ratio | 1.01:1 |
Scores
| Measure | Value |
|---|
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |