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Citizens Financial Services Stock Quote

Citizens Financial Services (NASDAQ: CZFS)

$55.60
(0.5%)
+0.29
Price as of October 24, 2025, 4:00 p.m. ET

KEY DATA POINTS

Current Price
$55.60
Daily Change
(0.5%) +$0.29
Day's Range
$54.51 - $56.18
Previous Close
$55.60
Open
$56.18
Beta
0.53
Volume
3,651
Average Volume
9,046
Sector
Market Cap
267.3M
Market Cap / Employee
$55.60M
52wk Range
$49.96 - $74.65
Revenue
-
Gross Margin
-
Dividend Yield
4.43%
EPS
$6.58
CAPs Rating
-
Industry
Banks

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Citizens Financial Services Return vs. S&P

1 Year5 Year5 Year AnnualizedSince IPO
CZFS+0.62%+59.89%+9.83%+1,870%
S&P+16.9%+95.99%+14.39%+1,109%

Citizens Financial Services Company Info

Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company was founded on July 12, 1983 and is headquartered in Mansfield, PA.

News & Analysis

Financial Health

General

Q2 2025YOY Change
Revenue$42.34M3.1%
Market Cap$282.28M32.1%
Market Cap / Employee$0.69M0.0%
Employees410-2.8%
Net Income$8.46M60.4%

Currently no data to display

Revenue Growth Rate

Currently no data to display.

Earnings Per Share Growth Rate

Currently no data to display.

Assets

No data available for this period.

Liabilities

Q2 2025YOY Change
Long Term Debt$313.22M-6.5%
Short Term Debt$0.00M0.0%

Ratios

Q2 2025YOY Change
Return On Assets1.07%0.1%
Return On Invested Capital9.71%-0.4%

Cash Flow

Q2 2025YOY Change
Free Cash Flow$14.24M71.3%
Operating Free Cash Flow$14.73M74.6%

Valuation

MetricQ3 2024Q4 2024Q1 2025Q2 2025YoY Change
Price to Earnings10.1910.819.718.9214.44%
Price to Book0.941.010.900.9221.14%
Price to Sales1.661.781.631.6628.84%
Price to Tangible Book Value1.311.421.291.2817.61%
Price to Free Cash Flow TTM10.4914.6219.6514.1687.53%
Free Cash Flow Yield9.5%6.8%5.1%7.1%-46.68%
Return on Equity9.8%9.6%9.6%10.5%5.70%
Total Debt$231.73M$307.82M$302.03M$313.22M-6.45%

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