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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CZFS | +7.16% | +46.9% | +7.99% | +2,286% |
| S&P | +12.16% | +74.91% | +11.82% | +1,111% |
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.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $44.48M | 3.0% |
| Market Cap | $274.06M | -9.1% |
| Market Cap / Employee | $668.44K | 0.0% |
| Employees | 410 | 0.0% |
| Net Income | $10.48M | 31.3% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $309.45M | 781.8% |
| Short Term Debt | $0.00K | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.20% | 0.3% |
| Return On Invested Capital | 9.71% | -0.4% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $27.00K | -99.4% |
| Operating Free Cash Flow | $172.00K | -96.4% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 9.71 | 8.92 | 8.49 | 7.49 | -30.77% |
| Price to Book | 0.90 | 0.92 | 0.92 | 0.84 | -16.80% |
| Price to Sales | 1.63 | 1.66 | 1.68 | 1.58 | -11.03% |
| Price to Tangible Book Value | 1.29 | 1.28 | 1.28 | 1.14 | -19.44% |
| Price to Free Cash Flow TTM | 14.62 | 19.65 | 14.16 | 18.44 | 75.81% |
| Free Cash Flow Yield | 6.8% | 5.1% | 7.1% | 5.4% | -43.12% |
| Return on Equity | 9.6% | 10.5% | 10.9% | 11.5% | 19.43% |
| Total Debt | $302.03M | $313.22M | $279.59M | $309.45M | 0.53% |
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