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Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · USD

$83.6

-0.69 (-0.8%)· Recorded snapshot

Market cap	401.9M
Revenue (ttm)	114.8M
Net income (ttm)	41.1M
EPS (ttm)	$8.55
Shares out	4.8M
P/E (trailing)	9.8x
P/E (forward)	9.6x
Dividend	$2.04 (2.43%)
Volume	29,909
Beta	0.39

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	شراء قوي
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	شراء قوي
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	احتفاظ

Metric	Value
Amount currency	USD
CIK code	0000739421
Company name	Citizens Financial Services, Inc.
Country	United States
Country code	US
CUSIP number	174615104
Earnings date	2026-11-10
Earnings time	bmo
Employees	405
Employees change	-5
Employees growth	-1.22%
Enterprise value	$750.4M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1984
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1746151042
Last 10-K release date	2026-03-12
Last earnings date	2026-07-30
Last refreshed	2026-10-28
Last stock split date	2025-06-13
Last stock split type	Forward
Market cap	$401.9M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	No
Price	$83.56
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	CZFS
U.S. state	Pennsylvania
Website	https://www.firstcitizensbank.com

Metric

Value

Amount currency

USD

CIK code

0000739421

Company name

Citizens Financial Services, Inc.

Country

United States

Country code

CUSIP number

174615104

Earnings date

2026-11-10

Earnings time

bmo

Employees

405

Employees change

-5

Employees growth

-1.22%

Enterprise value

$750.4M

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

1984

In index

RUSSELL2000

Industry

Banks - Regional

Is primary listing

Yes

Is SPAC

ISIN number

US1746151042

Last 10-K release date

2026-03-12

Last earnings date

2026-07-30

Last refreshed

2026-10-28

Last stock split date

2025-06-13

Last stock split type

Forward

Market cap

$401.9M

Market cap category

Small-Cap

Next earnings date

2026-11-10

Options

Price

$83.56

Price currency

USD

Sector

Financials

SIC code

6022

Stock price date

2026-10-28

Symbol

CZFS

U.S. state

Pennsylvania

Website

https://www.firstcitizensbank.com

Metric	Value
Adjusted P/E ratio	9.77x
Average P/E ratio (10Y)	11.21x
Average P/E ratio (3Y)	10.16x
Average P/E ratio (5Y)	10.44x
Earnings yield	10.23%
EV/Earnings	18.31x
EV/FCF	20.37x
EV/Sales	6.55x
FCF / EV yield	4.91%
FCF yield	9.15%
Forward P/E	9.62x
Graham number	118.80169
Graham upside	41.72%
Industry forward P/E	9.95x
Industry P/E	11.8x
Lynch fair value	$53.27
Lynch upside	-36.45%
P/B ratio	1.15x
P/E ratio	9.77x
P/FCF ratio	10.93x
P/OCF ratio	10.74x
P/S ratio	3.51x
Price / tangible book value	1.52x
Sector forward P/E	13.63x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

9.77x

Average P/E ratio (10Y)

11.21x

Average P/E ratio (3Y)

10.16x

Average P/E ratio (5Y)

10.44x

Earnings yield

10.23%

EV/Earnings

18.31x

EV/FCF

20.37x

EV/Sales

6.55x

FCF / EV yield

4.91%

FCF yield

9.15%

Forward P/E

9.62x

Graham number

118.80169

Graham upside

41.72%

Industry forward P/E

9.95x

Industry P/E

11.8x

Lynch fair value

$53.27

Lynch upside

-36.45%

P/B ratio

1.15x

P/E ratio

9.77x

P/FCF ratio

10.93x

P/OCF ratio

10.74x

P/S ratio

3.51x

Price / tangible book value

1.52x

Sector forward P/E

13.63x

Sector P/E

15.65x

Metric	Value
Effective tax rate	18.69%
FCF margin	32.16%
Operating margin	44.93%
Pretax margin	44%
Profit margin	35.77%
Profit per employee	$101,360
Profitable quarters	12
Profitable years	9
Revenue per employee	$283,351
ROA	1.33%
ROA (5Y)	1.11%
ROE	12.32%
ROE (5Y)	11.38%
SBC / revenue	0.45%
Tax / revenue	8.22%

Metric

Value

Effective tax rate

18.69%

FCF margin

32.16%

Operating margin

44.93%

Pretax margin

44%

Profit margin

35.77%

Profit per employee

$101,360

Profitable quarters

Profitable years

Revenue per employee

$283,351

ROA

1.33%

ROA (5Y)

1.11%

ROE

12.32%

ROE (5Y)

11.38%

SBC / revenue

0.45%

Tax / revenue

8.22%

Metric	Value
EPS growth	29.95%
EPS growth (Q)	20.45%
EPS growth (QoQ)	-1.85%
EPS growth 10Y	10.37%
EPS growth 3Y	24.74%
EPS growth 5Y	2.98%
EPS growth quarters	7
EPS growth years	2
FCF growth	17.29%
FCF growth 3Y	26.1%
FCF growth 5Y	-0.59%
Net income growth	29.9%
Net income growth (Q)	20.37%
Net income growth (QoQ)	-1.82%
Net income growth 3Y	31.28%
Net income growth 5Y	6.23%
Net income growth quarters	7
Net income growth years	2
OCF growth	11.6%
OCF growth 10Y	10.68%
OCF growth 3Y	21.23%
OCF growth 5Y	-0.89%
Revenue growth	10.15%
Revenue growth (Q)	9.96%
Revenue growth (QoQ)	4.52%
Revenue growth 10Y	10.79%
Revenue growth 3Y	13.9%
Revenue growth 5Y	8.52%
Revenue growth quarters	7
Revenue growth years	8

Metric

Value

EPS growth

29.95%

EPS growth (Q)

20.45%

EPS growth (QoQ)

-1.85%

EPS growth 10Y

10.37%

EPS growth 3Y

24.74%

EPS growth 5Y

2.98%

EPS growth quarters

EPS growth years

FCF growth

17.29%

FCF growth 3Y

26.1%

FCF growth 5Y

-0.59%

Net income growth

29.9%

Net income growth (Q)

20.37%

Net income growth (QoQ)

-1.82%

Net income growth 3Y

31.28%

Net income growth 5Y

6.23%

Net income growth quarters

Net income growth years

OCF growth

11.6%

OCF growth 10Y

10.68%

OCF growth 3Y

21.23%

OCF growth 5Y

-0.89%

Revenue growth

10.15%

Revenue growth (Q)

9.96%

Revenue growth (QoQ)

4.52%

Revenue growth 10Y

10.79%

Revenue growth 3Y

13.9%

Revenue growth 5Y

8.52%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-628,000
EPS	$8.55
FCF per share	$7.67
Financing cash flow	$172M
Free cash flow	$36.9M
Gross profit	$114.8M
Income taxes	$9.4M
Investing cash flow	$-219.6M
Net borrowing	$80.3M
Net cash flow	$-10.1M
Net income	$41.1M
Operating income	$51.6M
Revenue	$114.8M
Stock-based compensation	$511,000

Metric

Value

Capital expenditures

$-628,000

EPS

$8.55

FCF per share

$7.67

Financing cash flow

$172M

Free cash flow

$36.9M

Gross profit

$114.8M

Income taxes

$9.4M

Investing cash flow

$-219.6M

Net borrowing

$80.3M

Net cash flow

$-10.1M

Net income

$41.1M

Operating income

$51.6M

Revenue

$114.8M

Stock-based compensation

$511,000

Metric	Value
Book value per share	$73.37
Debt / equity	1.13
Debt / FCF	10.78
Goodwill	$85.8M
Net cash (debt)	$-348.5M
Net cash / market cap	-86.42%
Net debt / equity	0.99
Net debt / FCF	9.44
Piotroski F-Score	3
Property, plant and equipment	$20.7M
Shareholders' equity	$352.8M
Tangible book value	$265.6M
Tangible book value per share	$55.23
Total assets	$3.2B
Total cash	$49.5M
Total debt	$398M
Total liabilities	$2.8B
WACC	3.22%

Metric

Value

Book value per share

$73.37

Debt / equity

1.13

Debt / FCF

10.78

Goodwill

$85.8M

Net cash (debt)

$-348.5M

Net cash / market cap

-86.42%

Net debt / equity

0.99

Net debt / FCF

9.44

Piotroski F-Score

Property, plant and equipment

$20.7M

Shareholders' equity

$352.8M

Tangible book value

$265.6M

Tangible book value per share

$55.23

Total assets

$3.2B

Total cash

$49.5M

Total debt

$398M

Total liabilities

$2.8B

WACC

3.22%

Metric	Value
Working capital	$-2.3B

Metric

Value

Working capital

$-2.3B

Metric	Value
Buyback yield / dilution	0.03%
Dividend growth	2.53%
Dividend growth (10Y)	3.35%
Dividend growth (3Y)	2.2%
Dividend growth (5Y)	2.58%
Dividend growth years	4
Dividend payment date	2026-09-25
Dividend payment years	34
Dividend payout frequency	Quarterly
Dividend per share	$2.04
Dividend yield	2.43%
Ex-dividend date	2026-09-11
FCF payout ratio	26.33%
Last dividend	$0.51
Payout ratio	23.63%
Shareholder yield	2.46%

Metric

Value

Buyback yield / dilution

0.03%

Dividend growth

2.53%

Dividend growth (10Y)

3.35%

Dividend growth (3Y)

2.2%

Dividend growth (5Y)

2.58%

Dividend growth years

Dividend payment date

2026-09-25

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$2.04

Dividend yield

2.43%

Ex-dividend date

2026-09-11

FCF payout ratio

26.33%

Last dividend

$0.51

Payout ratio

23.63%

Shareholder yield

2.46%

Metric	Value
10Y price change	85.84%
10Y return CAGR	9.81%
10Y total return	154.8%
150-day SMA	$73.17
15Y price change	191.51%
15Y return CAGR	10.92%
15Y total return	373.51%
1D price change	-0.82%
1M price change	3.88%
1M total return	3.88%
1W price change	3.04%
1W total return	3.04%
1Y price change	49.86%
1Y return CAGR	54.5%
1Y total return	54.45%
20-day SMA	$80.61
200-day SMA	$70.48
20Y price change	370.32%
20Y return CAGR	11.83%
20Y total return	835.12%
3M price change	9.19%
3M total return	9.86%
3Y price change	79.08%
3Y return CAGR	25.62%
3Y total return	98.25%
50-day SMA	$80.91
50-day SMA vs 200-day SMA	50over200
52-week high	$86.77
52-week high date	2026-10-26
52-week low	$52.35
52-week low date	2025-10-30
5Y price change	39.22%
5Y return CAGR	10.26%
5Y total return	62.97%
6M price change	26.84%
6M total return	28.59%
All-time high	$90.19
All-time high date	2023-06-09
All-time low	$7.47
All-time low date	2000-07-26
Average true range (ATR)	$2.11
Average volume	35.5K
Beta (1Y)	0.01
Beta (2Y)	0.75
Beta (5Y)	0.39
Change from 52-week high	-3.7%
Change from 52-week low	59.62%
Change from all-time high	-8.02%
Change from all-time low	1,010.59%
Change from open	2.04%
Day's gap	-2.8%
Dollar volume	$2.5M
High price	$85.05
Low price	$81.15
Monthly RSI	68.18
Open price	$81.89
Position in 52-week range	61.79%
Previous close	$84.25
Price vs 150-day SMA	13.36%
Price vs 20-day SMA	2.91%
Price vs 200-day SMA	17.7%
Price vs 50-day SMA	2.52%
Relative volume	0.84
RSI	57.77
Sharpe ratio	1.37
Sharpe ratio (3Y)	0.69
Sharpe ratio (5Y)	0.34
Sortino ratio	2.31
Sortino ratio (3Y)	1.19
Sortino ratio (5Y)	0.65
Volume	29.9K
Weekly RSI	63.29
YTD price change	45.48%
YTD total return	48.73%

Metric

Value

10Y price change

85.84%

10Y return CAGR

9.81%

10Y total return

154.8%

150-day SMA

$73.17

15Y price change

191.51%

15Y return CAGR

10.92%

15Y total return

373.51%

1D price change

-0.82%

1M price change

3.88%

1M total return

3.88%

1W price change

3.04%

1W total return

3.04%

1Y price change

49.86%

1Y return CAGR

54.5%

1Y total return

54.45%

20-day SMA

$80.61

200-day SMA

$70.48

20Y price change

370.32%

20Y return CAGR

11.83%

20Y total return

835.12%

3M price change

9.19%

3M total return

9.86%

3Y price change

79.08%

3Y return CAGR

25.62%

3Y total return

98.25%

50-day SMA

$80.91

50-day SMA vs 200-day SMA

50over200

52-week high

$86.77

52-week high date

2026-10-26

52-week low

$52.35

52-week low date

2025-10-30

5Y price change

39.22%

5Y return CAGR

10.26%

5Y total return

62.97%

6M price change

26.84%

6M total return

28.59%

All-time high

$90.19

All-time high date

2023-06-09

All-time low

$7.47

All-time low date

2000-07-26

Average true range (ATR)

$2.11

Average volume

35.5K

Beta (1Y)

0.01

Beta (2Y)

0.75

Beta (5Y)

0.39

Change from 52-week high

-3.7%

Change from 52-week low

59.62%

Change from all-time high

-8.02%

Change from all-time low

1,010.59%

Change from open

2.04%

Day's gap

-2.8%

Dollar volume

$2.5M

High price

$85.05

Low price

$81.15

Monthly RSI

68.18

Open price

$81.89

Position in 52-week range

61.79%

Previous close

$84.25

Price vs 150-day SMA

13.36%

Price vs 20-day SMA

2.91%

Price vs 200-day SMA

17.7%

Price vs 50-day SMA

2.52%

Relative volume

0.84

RSI

57.77

Sharpe ratio

1.37

Sharpe ratio (3Y)

0.69

Sharpe ratio (5Y)

0.34

Sortino ratio

2.31

Sortino ratio (3Y)

1.19

Sortino ratio (5Y)

0.65

Volume

29.9K

Weekly RSI

63.29

YTD price change

45.48%

YTD total return

48.73%

Metric	Value
Float	4.5M
Float percentage	93.43%
Shares change (QoQ)	0.01%
Shares change (YoY)	-0.03%
Shares held by insiders	6.57%
Shares held by institutions	31.52%
Shares outstanding	4.8M
Short % of float	1.52%
Short % of shares	1.42%
Short ratio	1.8 days

Metric

Value

Float

4.5M

Float percentage

93.43%

Shares change (QoQ)

0.01%

Shares change (YoY)

-0.03%

Shares held by insiders

6.57%

Shares held by institutions

31.52%

Shares outstanding

4.8M

Short % of float

1.52%

Short % of shares

1.42%

Short ratio

1.8 days

Citizens Financial Services, Inc. (CZFS)

Price

Financial snapshot

Fair-value bridge

Latest news · CZFS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CZFS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CZFS

Frequently asked questions