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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CZFS | +0.62% | +59.89% | +9.83% | +1,870% |
| S&P | +16.9% | +95.99% | +14.39% | +1,109% |
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.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $42.34M | 3.1% |
| Market Cap | $282.28M | 32.1% |
| Market Cap / Employee | $0.69M | 0.0% |
| Employees | 410 | -2.8% |
| Net Income | $8.46M | 60.4% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $313.22M | -6.5% |
| Short Term Debt | $0.00M | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.07% | 0.1% |
| Return On Invested Capital | 9.71% | -0.4% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $14.24M | 71.3% |
| Operating Free Cash Flow | $14.73M | 74.6% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 10.19 | 10.81 | 9.71 | 8.92 | 14.44% |
| Price to Book | 0.94 | 1.01 | 0.90 | 0.92 | 21.14% |
| Price to Sales | 1.66 | 1.78 | 1.63 | 1.66 | 28.84% |
| Price to Tangible Book Value | 1.31 | 1.42 | 1.29 | 1.28 | 17.61% |
| Price to Free Cash Flow TTM | 10.49 | 14.62 | 19.65 | 14.16 | 87.53% |
| Free Cash Flow Yield | 9.5% | 6.8% | 5.1% | 7.1% | -46.68% |
| Return on Equity | 9.8% | 9.6% | 9.6% | 10.5% | 5.70% |
| Total Debt | $231.73M | $307.82M | $302.03M | $313.22M | -6.45% |
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