Citizens Financial Services, Inc. (CZFS) Stock

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 $84.57 with a market capitalization of $406.77M. 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 at or near 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%, return on capital employed of 1.58%, an operating margin of 26.01%, a net profit margin of 23.34%.

Citizens Financial Services, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Citizens Financial Services, Inc. reported revenue of $51.0M rising to $173.0M, a change of +239.2% across 10 years. Compounded, revenue has grown 16.1% a year over five years, 23.0% over three, 2.4% over the last twelve months. Net profit rose to $37.0M.

Operating margin went from 30.8% in 2016 to 26.0% in 2025, a fall of 4.8 percentage points. The most recent net margin is 23.34%. On a trailing twelve-month basis to Jun '26, revenue is $176.0M and net profit $40.0M.

Borrowings rose from $80.0M to $309.0M, cash from operations was $37.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 11.0% over five years, and was 10.9% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Citizens Financial Services, Inc. (CZFS) — frequently asked questions