NASDAQ · Banks - Regional

CZFS (CZFS) Stock

$77.36 +1.83% NASDAQ: CZFS Financial Services

Valuation

MetricValue
Price$77.36
Market Cap$371.71M
P/E Ratio8.50
P/B Ratio0.92
P/S Ratio1.78
EPS (TTM)$0.00
52-Week High$77.36
52-Week Low$49.99
Dividend Yield3.08%

Financials & Margins

MetricValue
ROE10.95%
ROA1.21%
ROCE13.31%
Gross Margin26.01%
Operating Margin26.01%
Net Margin22.50%
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 Ratio—
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
CBAN $22.21 +2.16% 12.45 $469.96M 2.37%
COSO $27.36 +0.33% 11.89 $329.29M 0.39%
CZNC $25.10 +2.03% 14.51 $449.71M 5.29%
FDBC $52.99 +2.77% 9.26 $307.62M 3.73%
FNLC $35.44 +1.58% 9.50 $399.61M 5.24%

About CZFS

CZFS is led by CEO Randall E. Black, employs 379 people, headquartered in US, publicly traded since 1999.

CZFS stock trades at $77.36 with a market capitalization of $371.71M. The stock is valued at a price-to-earnings (P/E) ratio of 8.50, price-to-book of 0.92, price-to-sales of 1.78. Over the past 52 weeks the stock has ranged between $49.99 and $77.36, and currently trades at its 52-week high. It pays a dividend yielding 3.08%.

On profitability, CZFS generates a return on equity (ROE) of 10.95%, return on capital employed of 13.31%, an operating margin of 26.01%, a net profit margin of 22.50%.

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