Citizens Financial Services

(NASDAQ) CZFS

Current Price$63.89

Market Cap$312.23M

Since IPO (1995)+2,239%

5 Year+27%

1 Year+21%

1 Month+3%

Citizens Financial Services Financials at a Glance

Market Cap

$312.23M

Revenue (TTM)

$171.28M

Net Income (TTM)

$39.33M

EPS (TTM)

$7.62

P/E Ratio

8.52

Dividend

$2.00

Beta (Volatility)

0.54 (Low)

Dividend

$2.00

Beta (Volatility)

0.54 (Low)

Price

$63.89

Volume

5,697

Open

$64.56

Price

$63.89

Volume

5,697

Open

$64.56

Previous Close

$63.16

Daily Range

$62.82 - $66.93

52-Week Range

$49.99 - $69.58

Dividend

$2.00

Beta (Volatility)

0.54 (Low)

Price

$63.89

Volume

5,697

Open

$64.56

Previous Close

$63.16

Daily Range

$62.82 - $66.93

52-Week Range

$49.99 - $69.58

CZFS News

Citizens Financial (CZFS) Q2 EPS Up 60%

Motley Fool Markets TeamAug 1, 2025

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About Citizens Financial Services

Industry

Banks

Sector

Financials

Employees

405

CEO

Randall E. Black

Website

www.firstcitizensbank.com

Headquarters

Mansfield, PA 16933, US

CZFS Financials

Key Financial Metrics (TTM)

Gross Margin

49%

Operating Margin

21%

Net Income Margin

23%

Return on Equity

11%

Return on Capital

Return on Assets

Earnings Yield

11.74%

Dividend Yield

3.07%

Payout Ratio

24.28%

Stock Overview

Market Cap

$312.23M

Shares Outstanding

4.81M

Volume

5.70K

Avg. Volume

9.71K

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 comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$40.28M

-5.1%

Gross Profit

$0.00

-100.0%

Gross Margin

0.00%

N/A

Market Cap

$312.23M

N/A

Market Cap/Employee

$823.82K

N/A

Employees

379

N/A

Net Income

$10.38M

+36.2%

EBITDA

$12.70M

+29.3%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Net Cash

$481.39M

+322.2%

Accounts Receivable

$10.94M

+0.2%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$0.00

N/A

Return on Assets

1.30%

N/A

Return on Invested Capital

1.18%

N/A

Free Cash Flow

$15.06M

+50.3%

Operating Cash Flow

$16.73M

+59.6%

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Questions About CZFS

What is the current price of Citizens Financial Services?

Citizens Financial Services is trading at $63.16 per share.

What is the 52-week range for Citizens Financial Services?

Over the past 52 weeks, Citizens Financial Services has traded between $49.99 and $69.58.

How much debt does Citizens Financial Services have?

As of the most recent reporting period, Citizens Financial Services reported total debt of $198.74M.

How much cash does Citizens Financial Services have on hand?

Citizens Financial Services does not have cash on hand data available.

What is Citizens Financial Services’s dividend yield?

Citizens Financial Services currently has a dividend yield of 3.07%.

Citizens Financial Services

Citizens Financial Services Financials at a Glance

CZFS News

Citizens Financial (CZFS) Q2 EPS Up 60%

CZFS: Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Citizens Financial Services

CZFS Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Citizens Financial Services Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About CZFS

What is the current price of Citizens Financial Services?

What is the 52-week range for Citizens Financial Services?

How much debt does Citizens Financial Services have?

How much cash does Citizens Financial Services have on hand?

What is Citizens Financial Services’s dividend yield?

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