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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CZFS | -15.71% | +50.86% | +8.56% | +1,890% |
| S&P | +13.19% | +87.83% | +13.42% | +1,099% |
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.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $44.10M | 4.1% |
| Market Cap | $289.78M | 3.6% |
| Market Cap / Employee | $0.71M | 0.0% |
| Employees | 410 | -2.8% |
| Net Income | $10.01M | 32.8% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $279.59M | 20.7% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.12% | 0.2% |
| Return On Invested Capital | 9.71% | -0.4% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $0.03M | -99.4% |
| Operating Free Cash Flow | $0.17M | -96.4% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 10.81 | 9.71 | 8.92 | 8.49 | -16.71% |
| Price to Book | 1.01 | 0.90 | 0.92 | 0.92 | -1.34% |
| Price to Sales | 1.78 | 1.63 | 1.66 | 1.68 | 1.43% |
| Price to Tangible Book Value | 1.42 | 1.29 | 1.28 | 1.28 | -2.47% |
| 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% | 9.6% | 10.5% | 10.9% | 11.55% |
| Total Debt | $307.82M | $302.03M | $313.22M | $279.59M | 20.65% |
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