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%
Citizens Financial Services statistics
Financials through Jun 30, 2026, price as of Oct 16, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Market Cap | $384.93M | $679.86M |
| Enterprise Value | $345.50M | $408.94M |
| PE Ratio | 9.36 | 12.00 |
| PS Ratio | 39.06 | 3.61 |
| PB Ratio | 1.09 | 1.18 |
| P/TBV Ratio | 1.45 | 1.41 |
| P/FCF Ratio | 10.43 | 10.93 |
| P/OCF Ratio | 10.26 | 10.04 |
Enterprise value
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| EV / Sales | 35.06 | 2.78 |
| EV / FCF | 9.36 | 8.25 |
Income (trailing twelve months)
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Revenue | $9.85M | $170.85M |
| Pretax Income | $50.49M | $70.12M |
| Net Income | $41.05M | $54.33M |
| EPS (Diluted) | $8.55 | $2.90 |
Margins
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Pretax Margin | 512.4% | 36.4% |
| Profit Margin | 416.6% | 29.1% |
| FCF Margin | 374.5% | 33.0% |
Returns
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.3% | 10.5% |
| Return on Assets (ROA) | 1.33% | 1.12% |
Growth
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 2.50% | 11.8% |
| Net Income Growth (YoY) | 29.9% | 23.1% |
| EPS Growth (YoY) | 29.9% | 22.7% |
| FCF Growth (YoY) | 17.3% | 27.1% |
| Revenue Growth (3Y CAGR) | 4.79% | 5.82% |
| Revenue Growth (5Y CAGR) | 8.21% | 6.17% |
| EPS Growth (3Y CAGR) | 2.05% | 1.26% |
| EPS Growth (5Y CAGR) | 3.36% | 8.24% |
Balance sheet
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $39.43M | $205.54M |
| Net Cash (Debt) | $39.43M | $164.40M |
| Net Cash Per Share | $8.20 | $8.13 |
| Equity (Book Value) | $352.83M | $560.44M |
| Book Value Per Share | $73.36 | $28.47 |
| Tangible Book Value | $265.14M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Operating Cash Flow | $37.53M | $61.20M |
| Capital Expenditures | -$628.00K | -$4.02M |
| Free Cash Flow | $36.91M | $52.43M |
| FCF Per Share | $7.67 | $3.07 |
Efficiency
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
| Revenue Per Employee | $24.33K | $353.78K |
| Profits Per Employee | $101.36K | $107.28K |
| Employee Count | 405 | 489 |
Dividends and yields
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Earnings Yield | 10.7% | 8.07% |
| FCF Yield | 9.59% | 8.89% |
| Dividend Yield | 2.47% | 2.48% |
| Buyback Yield | 0.10% | 1.55% |
| Shareholder Yield | 2.57% | 3.13% |
| Dividend Per Share | $1.98 | $0.93 |
| Dividend Growth (YoY) | 2.54% | 4.26% |
| Years of Dividend Growth | 4 | 2 |
| Payout Ratio | 23.5% | 29.4% |
| FCF Payout Ratio | 26.2% | 26.0% |
Shares
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Shares Outstanding | 4,809,860 | 18,839,100 |
| Shares Change (YoY) | -0.01% | 0.39% |
| Float | 4,526,590 | 17,061,900 |
| Shares Held by Insiders | 5.89% | 5.89% |
| Shares Held by Institutions | 30.9% | 61.9% |
Taxes
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Income Tax | $9.44M | $14.50M |
| Effective Tax Rate | 18.7% | 21.1% |
Scores
| Measure | Citizens Financial Services | Industry median |
|---|---|---|
| Graham Number | $118.79 | $45.31 |
| Graham Upside | 48.4% | 21.6% |
| Altman Z-Score | 0.19 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Citizens Financial Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.