Citizens Financial Services Inc (CZFS) stock
Close on Nov 13, 2026Market cap $409.56MP/E 9.5Yield 2.33%
Citizens Financial Services Inc saw revenue fall 0.7% to $9.81M over the twelve months to Sep 30, 2026. Free cash flow was $39.20M, up 37.1% from a year earlier. At the latest close the market valued the company at $409.56M, 9.5 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $409.56M
- P/E ratio
- 9.5
- Price to sales
- 41.77
- Price to book
- 1.17
- Dividend yield
- 2.33%
- Free cash flow yield
- 9.57%
Fundamentals
- Revenue
- $9.81M
- Net income
- $42.97M
- EPS, diluted
- $8.94
- Free cash flow
- $39.20M
- Book value per share
- $73.15
- Diluted shares
- 5M
Trading
- Next earnings
- Jan 28, 2027 (estimated, during market hours)
- Previous close
- $85.48
- Open
- $85.73
- Day's range
- $84.47 – $85.73
- Volume
- 12,769
- Average volume (20 days)
- 38,454
- Index membership
- Russell 2000 (since Jun 2023), Russell 3000 (since Aug 2023)
- Beta (5 years)
- 0.59
- 52-week range
- $53.14 – $88.88
- RSI (14 days)
- 55.9
- Volatility (1 year)
- 32.2%
- Relative volume
- 0.36×
- WACC
- 8.0%
Index membership is inferred from the holdings of funds that track each index (IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2011, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CZFS | S&P 500 | Difference | CZFS per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +8.0% | -3.0% | +11.0 pts | ||
| 3 months | +4.9% | -2.8% | +7.6 pts | ||
| Year to date | +52.7% | +11.5% | +41.2 pts | ||
| 1 year | +53.9% | +13.5% | +40.5 pts | ||
| 3 years | +81.4% | +77.7% | +3.7 pts | +21.9% | +21.1% |
| 5 years | +70.3% | +72.6% | −2.3 pts | +11.2% | +11.5% |
| 10 years | +146.3% | +308.2% | −161.8 pts | +9.4% | +15.1% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Net income
EPS, diluted
Free cash flow
Press releases
Releases Citizens Financial Services filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- Update
- Results
- News
- Update
About Citizens Financial Services
State Commercial Banks
Citizens Financial Services, Inc. is a bank holding company that operates primarily through its subsidiary, First Citizens Community Bank, along with First Citizens Insurance Agency, Inc. The institution provides community banking and financial services to individuals, businesses, governmental entities, and institutions. Core offerings include checking, savings, and time deposit accounts, alongside residential, commercial, agricultural real estate, commercial and industrial, state and political subdivision, and consumer loans. Its Trust and Investment division delivers client investment management, estate administration, retirement planning, and mineral management services.
Company profile, executives and historyCitizens Financial Services stock: common questions
What is Citizens Financial Services's stock price?
CZFS closed at $85.15 on Nov 13, 2026, down 0.39% on the day. Over the past 52 weeks it traded between $53.14 and $88.88.
What is Citizens Financial Services's market cap?
Citizens Financial Services was worth $409.56M at the close on Nov 13, 2026: the share price times the diluted shares outstanding.
What is CZFS's P/E ratio?
CZFS trades at 9.5 times earnings, based on diluted earnings per share of $8.94 over the twelve months to Sep 30, 2026.
How much revenue does Citizens Financial Services make?
Citizens Financial Services reported revenue of $9.81M for the twelve months to Sep 30, 2026, down 0.7% from a year earlier.
Does Citizens Financial Services pay a dividend?
Yes. Citizens Financial Services paid $1.98 per share over the last twelve months, a yield of 2.33% at the latest price, and has raised its annual dividend 4 years in a row.
When does Citizens Financial Services report earnings next?
Citizens Financial Services is expected to report Q4 FY2026 results on Jan 28, 2027, during market hours. The date is estimated from its past reporting pattern until the company confirms it.
How has CZFS stock performed over the past year?
Including dividends, CZFS returned +53.9% over the past year, against +13.5% for the S&P 500.
How many CZFS shares are sold short?
0M shares were sold short at the latest FINRA report, 1.21% of the float, or 1.3 days of average trading volume.
Who are Citizens Financial Services's competitors?
Companies most similar to Citizens Financial Services by business, industry and size include NWFL, JUVF, CIVB, FKYS, CZNC.
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