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.

Financial snapshot

Revenue (ttm): 114.8M
Net income (ttm): 41.1M
EPS (ttm): $8.55
P/E (trailing): 9.8x
P/E (forward): 9.6x
Market cap: 401.9M

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%	Achat fort
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Achat fort
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Conserver

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.6

P25 n/aP50 n/aP75 n/a

Trailing P/E9.8

P25 n/aP50 n/aP75 n/a

ROE12.3

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CZFS indicators

Market & fundamental data

Available fields

243

Groups with data

Currency

USD

Showing 243 of 243 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

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

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

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

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

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%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

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%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-2.3B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

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%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

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%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

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

Deeper analysis on CZFS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this CZFS report

Is a complete CZFS research report available?

No complete published report is available for Citizens Financial Services, Inc. (CZFS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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