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