Saturday 17 October 2026
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Citizens Financial Services Inc.
CZFS Financial Banks Regional
Citizens Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $173.5 million, up 2.24% from fiscal 2024. In the quarter to June 2026, revenue grew 2.61%, EPS grew 20.5%, free cash flow fell 106.9% and total debt rose 25.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.
80.21
1.09
+1.38%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
14.38 | 16.89 | 11.01 | 11.22 | 8.54 | 8.14 | 10.41 | 16.28 | 10.79 | 7.46 |
Piotroski F-Score |
6 | 6 | 8 | 8 | 6 | 5 | 4 | 5 | 6 | 6 |
P/S ratio |
3.57 | 3.89 | 3.08 | 3.11 | 2.61 | 2.77 | 3.29 | 2.06 | 1.79 | 1.58 |
P/FCF ratio |
10.96 | 14.20 | 9.47 | 10.29 | 19.59 | 6.31 | 9.69 | 11.92 | 7.78 | 7.76 |
P/Operating CF |
33.49 | 72.67 | 30.33 | 36.85 | 15.02 | 37.53 | 34.39 | 17.59 | 28.97 | 16.35 |
P/B ratio |
1.47 | 1.71 | 1.43 | 1.42 | 1.10 | 1.12 | 1.53 | 1.02 | 1.01 | 0.81 |
Price to Tangible BV |
1.82 | 2.13 | 1.74 | 1.68 | 1.32 | 1.32 | 1.83 | 1.50 | 1.44 | 1.09 |
EV/Sales |
4.65 | 5.40 | 4.00 | 3.86 | 2.69 | 1.49 | 5.71 | 3.97 | 3.27 | 3.14 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
14.62 | 19.47 | 11.99 | 12.47 | 18.57 | 3.29 | 15.98 | 20.73 | 16.74 | 14.92 |
EV/FCF |
14.28 | 19.73 | 12.28 | 12.75 | 20.18 | 3.38 | 16.81 | 23.00 | 14.22 | 15.46 |
Quick Ratio |
0.02 | 0.03 | 0.03 | 0.03 | 0.05 | 0.10 | 0.02 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.82 | 0.93 | 0.93 | 0.94 | 0.94 | 0.88 | 0.95 | 0.99 | 0.99 | 1.00 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
6.51% | 8.42% | 6.37% | 5.80% | 4.70% | 3.45% | 11.03% | 10.82% | 9.84% | 10.10% |
Debt/Equity |
0.65 | 0.89 | 0.66 | 0.55 | 0.46 | 0.35 | 1.29 | 1.15 | 0.99 | 0.92 |
Asset Turnover |
0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
1.28 | 1.21 | 1.19 | 1.12 | 0.47 | 1.33 | 1.14 | 1.49 | 1.19 | 1.00 |
Capex/Depreciation |
0.15 | (0.13) | (0.36) | (0.59) | 0.57 | 0.92 | (1.68) | 145.39 | (733.87) | 1.18 |
| 10.40% | 10.33% | 13.45% | 13.26% | 14.38% | 14.32% | 14.08% | 7.42% | 9.60% | 11.47% | |
| 1.06% | 1.01% | 1.29% | 1.35% | 1.50% | 1.44% | 1.30% | 0.67% | 0.93% | 1.20% | |
ROIC |
5.50% | 5.59% | 6.76% | 7.17% | 10.14% | 21.51% | 5.26% | 3.54% | 3.84% | 4.64% |
Return on Tangible Assets |
(7.53%) | (19.87%) | (28.59%) | (34.55%) | (31.24%) | (14.42%) | (35.85%) | 2,978.43% | (354.50%) | 135.92% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
58.67% | 55.32% | 51.46% | 48.73% | 49.99% | 50.17% | 49.34% | 43.72% | 39.72% | 38.40% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(1.53) | (0.95) | (0.93) | (0.78) | (0.96) | (1.32) | (1.26) | (1.37) | (1.21) | (1.24) |
Graham Number |
50.30 | 52.70 | 64.52 | 71.06 | 84.22 | 92.72 | 89.72 | 74.17 | 90.84 | 110.05 |
Earnings Yield |
6.95% | 5.92% | 9.08% | 8.92% | 11.71% | 12.28% | 9.61% | 6.14% | 9.27% | 13.40% |
Free Cash Flow Yield |
9.12% | 7.04% | 10.56% | 9.72% | 5.10% | 15.86% | 10.32% | 8.39% | 12.86% | 12.88% |
Revenue per Share |
13.67 | 15.36 | 17.49 | 19.17 | 20.84 | 21.26 | 22.95 | 30.99 | 35.38 | 36.16 |
Operating CF per Share |
4.35 | 4.26 | 5.83 | 5.93 | 3.01 | 9.62 | 8.20 | 5.93 | 6.92 | 7.61 |
Capex per Share |
0.10 | (0.06) | (0.14) | (0.13) | (0.24) | (0.27) | (0.40) | (0.58) | 1.22 | (0.27) |
Free Cash Flow per Share |
4.45 | 4.20 | 5.69 | 5.80 | 2.77 | 9.34 | 7.79 | 5.34 | 8.14 | 7.35 |
Cash per Share |
6.64 | 7.80 | 8.76 | 8.93 | 21.03 | 45.70 | 7.96 | 12.71 | 9.59 | 7.94 |
Shareholders Equity per Share |
33.11 | 34.92 | 37.77 | 42.17 | 49.53 | 52.82 | 49.35 | 62.48 | 62.48 | 70.46 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
33.11 | 34.92 | 37.77 | 42.17 | 49.53 | 52.82 | 49.35 | 62.48 | 62.48 | 70.46 |
Free Cash Flow |
16.58 | 15.53 | 20.99 | 21.29 | 10.88 | 37.59 | 31.61 | 23.92 | 39.05 | 35.25 |
Working Capital |
(184.87) | (82.07) | (79.36) | (72.34) | (97.31) | (218.98) | (98.67) | (20.79) | (29.24) | 5.91 |
Capital Expenditures |
0.39 | (0.21) | (0.50) | (0.48) | (0.94) | (1.10) | (1.63) | (2.62) | 5.87 | (1.28) |
Net Current Asset Value |
(278.40) | (209.10) | (184.61) | (171.69) | (204.85) | (313.49) | (386.48) | (390.66) | (368.51) | (340.49) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
(0.01) | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | (0.03) | 0.01 |
Price to Operating Income |
11.60 | 11.48 | 9.27 | 9.21 | 6.55 | 6.71 | 8.55 | 9.24 | 8.96 | 6.05 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.15 | 0.10 | 0.09 | 0.05 | (0.10) | (0.07) | 0.06 | 0.00 | 0.00 | (0.05) |
Cash ROIC |
7.28% | 5.70% | 7.99% | 7.81% | 2.98% | 7.99% | 6.45% | 3.63% | 6.07% | 5.14% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
72,804.72 | 69,070.76 | 45,182.99 | 36,715.79 | 71,552.52 | 94,327.25 | 59,978.25 | 18,083.16 | 12,811.89 | 14,184.08 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
996.77 | 1,055.22 | 1,145.05 | 1,198.14 | 1,399.99 | 1,712.50 | 1,840.18 | 2,082.84 | 2,351.75 | 2,379.50 |
Average Assets |
1,193.00 | 1,292.45 | 1,396.30 | 1,448.53 | 1,679.01 | 2,017.77 | 2,238.63 | 2,654.36 | 3,000.52 | 3,045.14 |
Average Common Equity |
121.51 | 126.14 | 134.12 | 147.00 | 174.52 | 203.38 | 206.32 | 239.91 | 289.70 | 318.89 |
Columns are period end dates