NASDAQ · Banks - Regional

Citizens Financial Services, Inc. (CZFS) Stock

$84.57 +1.00% NASDAQ: CZFS Financial Services

Valuation

MetricValue
Price$84.57
Market Cap$406.77M
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
CBANColony Bankcorp, Inc. $20.36 +0.54% 12.39 $432.06M 2.35%
COSOCoastalSouth Bancshares, Inc. $27.92 +0.43% 11.68 $333.77M 0.74%
CZNCCitizens & Northern Corp $27.75 +4.17% 17.37 $497.69M 4.37%
FDBCFidelity D & D Bancorp, Inc. $64.51 +2.45% 10.48 $374.71M 3.11%
FNLCFirst Bancorp, Inc (ME) $36.36 +0.53% 10.03 $410.22M 4.44%

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

What is Citizens Financial Services, Inc. (CZFS) stock price today?

Citizens Financial Services, Inc. (CZFS) is currently trading at $84.57, up 1% today.

What is CZFS P/E ratio?

Citizens Financial Services, Inc.'s P/E ratio is 9.44. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is CZFS return on equity (ROE)?

Citizens Financial Services, Inc.'s return on equity (ROE) is 12.05%. ROE measures net income relative to shareholders' equity. This is within the typical market range of roughly 12-15%.

What is Citizens Financial Services, Inc.'s market cap?

Citizens Financial Services, Inc. has a market capitalization of $406.77M.

Does CZFS pay a dividend?

Yes. Citizens Financial Services, Inc. currently yields 2.52%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does CZFS carry?

Citizens Financial Services, Inc. has a debt-to-equity ratio of 0.58. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is CZFS's profit margin?

Citizens Financial Services, Inc. reports a net profit margin of 23.34% — the share of revenue left after every cost, including tax and interest.

What sector is CZFS in?

Citizens Financial Services, Inc. is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is CZFS listed on?

Citizens Financial Services, Inc. trades on NASDAQ under the ticker CZFS.

What is CZFS's 52-week range?

Over the last year Citizens Financial Services, Inc. has traded between $52.35 and $84.65.

Related Financial Services Stocks

BRK.A Berkshire Hathaway Inc. $733370.00 +0.00% BRK.B Berkshire Hathaway Inc. New $482.70 +0.00% JPM JP Morgan Chase & Co. $331.58 -1.47% V Visa Inc. $407.92 -1.55% MA Mastercard Incorporated $623.60 -1.52% BAC Bank of America Corporation $50.56 -1.02% HSBC HSBC Holdings, plc $90.68 -1.32% MS Morgan Stanley $179.49 -2.44% RY Royal Bank Of Canada $201.17 -0.44% GS Goldman Sachs Group, Inc. (The) $875.68 -1.75% WFC Wells Fargo & Company $82.39 -0.75% MUFG Mitsubishi UFJ Financial Group, Inc. $21.07 -1.59%

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)Exxon Mobil (XOM)

Screens CZFS currently matches

On the figures above, Citizens Financial Services, Inc. passes the filters for 12 of our ready-made screens, among them Small Cap Stocks, Stocks With PE Under 20, Small Cap Low PE Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

Small Cap StocksStocks With PE Under 20Small Cap Low PE StocksStocks With PE Under 10Stocks Under $100Small Cap Value StocksSmall Cap Dividend StocksStocks With PE Under 25Stocks With PE Under 30Debt to Equity Below 1 StocksLow PE and PB StocksNegative Working Capital Stocks

Related stock screens

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksHigh ROE StocksLow P/E StocksHigh Net Margin StocksDividend StocksLow Debt StocksNasdaq High ROE StocksAll stock screens
Run Stock Screener Investing Guides

Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.