NASDAQ · Banks - Regional

Citizens Financial Services, Inc. (CZFS) Stock

$78.61 -1.06% NASDAQ: CZFS Financial Services

Valuation

MetricValue
Price$78.61
Market Cap$377.74M
P/E Ratio9.44
P/B Ratio1.10
P/S Ratio2.21
EPS (TTM)$0.00
52-Week High$84.65
52-Week Low$52.35
Dividend Yield2.52%

Financials & Margins

MetricValue
ROE12.05%
ROA1.29%
ROCE1.58%
Gross Margin26.01%
Operating Margin26.01%
Net Margin23.34%
Debt/Equity0.58
Current Ratio0.04

Annual Financials (USD)

Metric20212022202320242025
Revenue$86.0M$93.0M$139.0M$169.0M$173.0M
Operating Profit$35.0M$35.0M$22.0M$34.0M$45.0M
Net Profit$29.0M$29.0M$18.0M$28.0M$37.0M
EPS$7.09$7.10$3.98$5.79$7.62
Op Margin41.3%38.1%15.5%20.0%26.0%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.1B$2.3B$3.0B$3.0B$3.1B
Total Liabilities$1.9B$2.1B$2.7B$2.7B$2.7B
Cash$184.0M$32.0M$57.0M$46.0M$38.0M
Borrowings$74.0M$257.0M$302.0M$298.0M$309.0M

Latest News

Are You Looking for a High-Growth Dividend Stock? Zacks · Jul 13, 2026 Zacks.com featured highlights include Ponce Financial, Credo Technology, Interface, Ciena and Citizens Financial Services Zacks · Jul 6, 2026 Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why Zacks · Jul 2, 2026 5 High-Efficiency Stocks With Strong Profit Potential to Buy Now Zacks · Jul 2, 2026 Best Momentum Stocks to Buy for July 1st Zacks · Jul 1, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$39.0M$33.0M$27.0M$33.0M$37.0M
Investing Cash Flow$-159.0M$-364.0M$57.0M$-70.0M$-41.0M
Financing Cash Flow$246.0M$7.0M$-56.0M$60.0M$-6.0M
Net Cash Flow$104.0M$-147.0M$27.0M$-11.0M$-8.0M
Free Cash Flow$38.0M$32.0M$24.0M$32.0M$35.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.31
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y22.25%
Return 3Y17.97%
Return 5Y35.97%

Ownership

Insiders Held6.34%
Institutions Held29.92%
Institutions Float Held31.95%
Institutional HolderSharesReport Date
Blackrock Inc.331,2942026-03-31
Vanguard Capital Management LLC201,7012026-03-31
Citizens & Northern Corp117,0632026-03-31
Geode Capital Management, LLC112,4622026-03-31
State Street Corporation93,9302026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AAPLApple Inc. $338.46 -0.58% 38.93 $4.97T 0.32%
MSFTMicrosoft Corporation $535.97 +2.56% 28.68 $3.98T 0.76%
GOOGLAlphabet Inc. $351.25 +0.85% 16.94 $4.25T 0.26%
AMZNAmazon.com, Inc. $261.49 +2.92% 19.82 $2.81T 0.00%
METAMeta Platforms, Inc. $719.56 -0.18% 27.93 $1.83T 0.28%

About Citizens Financial Services, Inc.

Citizens Financial Services, Inc. is led by CEO Randall E. Black, employs 379 people, headquartered in US, publicly traded since 1999.

Citizens Financial Services, Inc. (CZFS) stock trades at $78.61 with a market capitalization of $377.74M. The stock is valued at a price-to-earnings (P/E) ratio of 9.44, price-to-book of 1.10, price-to-sales of 2.21. Over the past 52 weeks the stock has ranged between $52.35 and $84.65, and currently trades 7.1% below its 52-week high. It pays a dividend yielding 2.52%.

On profitability, Citizens Financial Services, Inc. generates a return on equity (ROE) of 12.05%, above the typical market average, return on capital employed of 1.58%, an operating margin of 26.01%, a net profit margin of 23.34%.

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