CZFSNasdaqState Commercial BanksFiscal year ends December 31
CITIZENS FINANCIAL SERVICES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$80.03+0.91 (+1.15%)
Close on Oct 16, 2026
- Market cap
- $384.32M
- P/E (TTM)
- 9.4
- Dividend yield
- 2.47%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
370.1%−6.8 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +2.8% | +4.8% | +8.2% | -12.7% | |
| Net income | +31.5% | +8.0% | +7.8% | +12.1% | |
| EPS, diluted | +31.6% | +2.0% | +3.4% | +7.8% | |
| Free cash flow | +10.6% | +3.7% | +26.5% | +11.3% | |
| Dividend per share | +2.5% | +2.1% | +1.0% | +2.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.4% | 14.4% | 11.5% | |
| Return on assets | 1.1% | 1.5% | 1.2% | |
| Capex to revenue | 1.3% | 14.1% | 13.1% | |
| Diluted shares | 4M | 4M | 5M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Citizens Financial Services generated $168.19M from operations and spent $53.77M on capital expenditure, dividends and share buybacks. 15% of that went back into the business.
Generated
$168.19M
Used
$53.77M
Capital expenditure$7.97M15%Dividends$42.32M79%Share buybacks$3.48M6%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin370.1%
×Asset turnover0.00×
×Equity multiplier9.55×
=Return on equity, FY202511.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 370.1% | 0.00× | 9.55× | 11.5% |
| FY2024 | 289.5% | 0.00× | 10.36× | 9.6% |
| FY2023 | 198.5% | 0.00× | 11.06× | 7.4% |
| FY2022 | 338.4% | 0.00× | 10.85× | 14.1% |
| FY2021 | 376.3% | 0.00× | 9.92× | 14.3% |
| FY2020 | 376.9% | 0.00× | 9.62× | 14.4% |
| FY2019 | 281.4% | 0.00× | 9.85× | 13.3% |
| FY2018 | 276.9% | 0.00× | 10.41× | 13.4% |
| FY2017 | 25.6% | 0.04× | 10.25× | 10.3% |
| FY2016 | 27.6% | 0.04× | 9.82× | 10.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$36.57M
- Cash generatingOperating cash flow above zero$36.53M
- Return on assets improvedROA up on the prior year0.9% → 1.2%
- Earnings backed by cashOperating cash flow above net income$36.53M vs $36.57M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5M → 5M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00