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CITIZENS FINANCIAL SERVICES INC

Data quality: 100%
CZFS
Nasdaq Financial Services Depository Institutions
$66.78
▼ $2.21 (-3.20%)
Mkt Cap: 319.20 M
Price
$66.40
Mkt Cap
319.20 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Revenue grew 6.31% annually over 5 years — modest growth
Earnings grew 31.47% over the past year
ROE of 11.40% — decent returns on equity
Net margin of 370.12% shows strong profitability
Generating 36.53 M in free cash flow
P/E of 8.73 — trading at a low valuation

Growth

Revenue Growth (5Y)
6.31%
Above sector avg (5.83%)
Revenue (1Y)2.82%
Earnings (1Y)31.47%
FCF Growth (3Y)17.33%

Quality

Return on Equity
11.40%
Above sector avg (9.24%)
ROICN/A
Net Margin370.12%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|2027)
8.73 | 8.37
Below sector avg (11.15)
P/B Ratio0.97
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E 8.7 11.1
P/B 1.0 1.2
ROE % 11.4 9.2
Net Margin % 370.1 9.4
Rev Growth 5Y % 6.3 5.8
D/E — 0.5

Analyst Price Target

1 analyst
Buy
Current
$66.78
+3.3%
Target
$69.00
$69.00
$69.00
$69.00
Forecast
Forward P/E 8.42
Forward EPS $7.93
EPS Growth (est.) +1.5%
Est. Revenue 0.0

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $7.93
$7.93 – $7.93
 0.0 1
FY2026 $7.81
$7.81 – $7.81
 0.0 1

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $2.07 $2.18 +5.3%
Q32025 $1.76 $2.09 +18.8%
Q22025 $1.60 $1.76 +10.0%
Q12025 $1.48 $1.58 +7.4%

ETFs Holding This Stock

SQLV logo SQLV Royce Quant Small-Cap Quality Value ETF
0.22% weight
QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.15% weight
GMSMX GMSMX
0.04% weight
GSMRX GSMRX
0.04% weight
GISMX GISMX
0.04% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.03% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.03% weight
AVSCX AVSCX
0.02% weight
BOSVX BOSVX
0.01% weight
IRSSX IRSSX
0.01% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 2.82% Revenue Growth (3Y) 4.94%
Earnings Growth (1Y) 31.47% Earnings Growth (3Y) 43.29%
Revenue Growth (5Y) 6.31% Earnings Growth (5Y) 5.86%
Profitability
Revenue (TTM) 9.88 M Net Income (TTM) 36.57 M
ROE 11.40% ROA 1.21%
Gross Margin N/A Operating Margin N/A
Net Margin 370.12% Free Cash Flow (TTM) 36.53 M
ROIC N/A FCF Growth (3Y) 17.33%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 239.55 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 8.73 Forward P/E N/A
P/B Ratio 0.97 P/S Ratio 32.30
PEG Ratio 1.49 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 11.45%
Market Cap 319.20 M Enterprise Value 288.12 M
Per Share
EPS (Diluted TTM) 7.62 Revenue / Share 2.06
FCF / Share 7.60 OCF / Share 7.60
EPS CAGR (1Y) 30.26% EPS CAGR (5Y) 0.80%
EPS CAGR (10Y) 8.10%
Efficiency
CapEx / Revenue N/A FCF Conversion 99.90%
SBC-Adj. FCF N/A Growth Momentum -3.49

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 9.88 M 9.61 M 8.97 M 8.59 M 7.74 M
Net Income 36.57 M 27.82 M 17.81 M 29.06 M 29.12 M
EPS (Diluted) 7.62 5.85 4.06 7.32 7.38
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 98.00 M 86.46 M 46.86 M 11.22 M 7.11 M
Income Tax 8.67 M 5.87 M 3.70 M 6.44 M 6.20 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 3.06 B 3.03 B 2.98 B 2.33 B 2.14 B
Total Liabilities 2.73 B 2.73 B 2.70 B 2.13 B 1.93 B
Shareholders' Equity 338.05 M 299.73 M 279.67 M 200.15 M 212.49 M
Total Debt — — — — —
Cash & Equivalents 34.29 M 42.20 M 52.82 M 26.21 M 172.83 M
Current Assets — — — — —
Current Liabilities — — — — —