Citizens Financial Services
(NASDAQ) CZFS
Citizens Financial Services Financials at a Glance
Market Cap
$334.66M
Revenue (TTM)
$174.77M
Net Income (TTM)
$39.33M
EPS (TTM)
$8.20
P/E Ratio
8.50
Dividend
$2.51
Beta (Volatility)
0.53 (Low)
Dividend
$2.51
Beta (Volatility)
0.53 (Low)
Price
$66.52
Volume
4,791.941
Open
$67.98
Price
$66.52
Volume
4,791.941
Open
$67.98
Previous Close
$66.52
Daily Range
$66.52 - $68.55
52-Week Range
$49.99 - $71.85
Estimated Earnings Date
Jul 29, 2026
Dividend
$2.51
Beta (Volatility)
0.53 (Low)
Price
$66.52
Volume
4,791.941
Open
$67.98
Previous Close
$66.52
Daily Range
$66.52 - $68.55
52-Week Range
$49.99 - $71.85
Estimated Earnings Date
Jul 29, 2026
CZFS News
CZFS: Motley Fool Moneyball Superscore
Our CEO Is Handing Members His Secret Weapon
It's called Motley Fool Moneyball, our new proprietary AI tool
We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.
Get Access NowAbout Citizens Financial Services
Industry
Banks
Sector
FinancialsEmployees
405
CEO
Randall E. Black
Website
www.firstcitizensbank.comHeadquarters
Mansfield, PA 16933, US
CZFS Financials
Key Financial Metrics (TTM)
Gross Margin
65%
Operating Margin
28%
Net Income Margin
23%
Return on Equity
12%
Return on Capital
8%
Return on Assets
1%
Earnings Yield
11.76%
Dividend Yield
3.60%
Payout Ratio
24.40%
Stock Overview
Market Cap
$334.66M
Shares Outstanding
4.80M
Volume
4.79K
Avg. Volume
7.18K
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
$35.24M
Cash & ST Invst.
$74.17M
Total Debt
$309.45M
Citizens Financial Services Performance Analysis
Revenue Growth Rate
Annual and quarterly growth comparisonEarnings Per Share Growth Rate
Annual and quarterly EPS growth comparisonQuarterly Performance
Revenue
$43.77M
+3.1%
Gross Profit
$29.11M
+12.8%
Gross Margin
66.50%
N/A
Market Cap
$334.66M
N/A
Market Cap/Employee
$883.02K
N/A
Employees
379
N/A
Net Income
$10.38M
+36.2%
EBITDA
$13.17M
+34.1%
Quarterly Fundamentals
Total Cash
$133.91M
+56.8%
Total Debt
$198.74M
-34.2%
Accounts Receivable
$10.94M
+0.2%
Inventory
$0.00
N/A
Long Term Debt
$198.74M
-34.2%
Short Term Debt
$0.00
N/A
Return on Assets
1.30%
N/A
Return on Invested Capital
8.33%
N/A
Free Cash Flow
$17.89M
+72.7%
Operating Cash Flow
$18.02M
+64.6%