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Citizens Financial Services

(NASDAQ) CZFS

Current Price$60.28
Market Cap$288.34M
Since IPO (1995)+2,060%
5 Year+27%
1 Year+6%
1 Month-6%

Citizens Financial Services Financials at a Glance

Market Cap

$288.34M

Revenue (TTM)

$173.44M

Net Income (TTM)

$36.57M

EPS (TTM)

$7.62

P/E Ratio

7.87

Dividend

$2.00

Beta (Volatility)

0.54 (Low)

Price

$60.28

Volume

249

Open

$57.93

Previous Close

$60.28

Daily Range

$57.93 - $60.28

52-Week Range

$49.96 - $69.30

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About Citizens Financial Services

Industry

Banks

Employees

405

CEO

Randall E. Black

Headquarters

Mansfield, PA 16933, US

CZFS Financials

Key Financial Metrics (TTM)

Gross Margin

63%

Operating Margin

26%

Net Income Margin

21%

Return on Equity

11%

Return on Capital

2%

Return on Assets

1%

Earnings Yield

12.71%

Dividend Yield

0.03%

Payout Ratio

26.11%

Stock Overview

Market Cap

$288.34M

Shares Outstanding

4.81M

Volume

249

Short Interest

0.00%

Avg. Volume

10.85K

Financials (TTM)

Gross Profit

$109.70M

Operating Income

$45.09M

EBITDA

$45.09M

Operating Cash Flow

$36.53M

Capital Expenditure

$1.30M

Free Cash Flow

$32.81M

Cash & ST Invst.

$479.03M

Total Debt

$309.45M

Citizens Financial Services Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$44.48M

+3.1%

Gross Profit

$29.04M

+10.8%

Gross Margin

65.29%

N/A

Market Cap

$288.34M

N/A

Market Cap/Employee

$760.78K

N/A

Employees

379

N/A

Net Income

$10.48M

+31.3%

EBITDA

$12.94M

+29.8%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$169.58M

+182.9%

Accounts Receivable

$10.70M

+3.8%

Inventory

$0.00

N/A

Long Term Debt

$309.45M

+13.4%

Short Term Debt

$0.00

-100.0%

Return on Assets

1.19%

N/A

Return on Invested Capital

1.62%

N/A

Free Cash Flow

$15.06M

+50.3%

Operating Cash Flow

$16.73M

+59.6%

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Questions About CZFS

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