Saturday 17 October 2026 Export CZFS’s income statement to Excel — free account

Citizens Financial Services Inc.

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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Market cap: $380.6M
P/E: 9.4×
Fwd P/E: 7.9×
Dividend yield: 2.52%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	8.45	7.46	7.46	8.46
P/S ratio Full definition →		1.68	1.58	1.68	1.97
P/FCF ratio Full definition →		10.11	7.76	6.86	9.42
P/Operating CF Full definition →		100.58	16.35	16.28	(3,905.25)
P/B ratio Full definition →		0.88	0.81	0.85	0.99
Price to Tangible BV Full definition →		1.21	1.09	1.15	1.31
EV/Sales Full definition →		3.10	3.14	2.60	3.97
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		17.63	14.92	10.44	18.62
EV/FCF Full definition →		18.66	15.46	10.64	18.94
Quick Ratio Full definition →		0.01	0.02	0.02	0.02
Current Ratio Full definition →		0.98	1.00	0.95	1.02
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		9.15%	10.10%	6.57%	12.34%
Debt/Equity Full definition →		0.85	0.92	0.58	1.12
Asset Turnover Full definition →		0.06	0.06	0.06	0.06
Operating CF/Net income Full definition →		0.29	1.60	1.74	(0.01)
Capex/Depreciation Full definition →		0.37	0.20	0.36	0.64
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		37.46%	36.95%	38.65%	39.67%
Intangible Assets out of Total Assets Full definition →		0.03	0.03	0.03	0.03
Share Based Compensation of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Graham Net Nets Full definition →		(1.23)	(1.24)	(1.21)	(1.16)
Graham Number Full definition →		104.68	110.05	114.94	119.01
Earnings Yield Full definition →		11.83%	13.40%	13.41%	11.82%
Free Cash Flow Yield Full definition →		9.90%	12.88%	14.58%	10.62%
Revenue per Share Full definition →		9.19	9.28	9.16	9.07
Operating CF per Share Full definition →		0.60	3.49	3.76	(0.02)
Capex per Share Full definition →		(0.03)	(0.01)	(0.03)	(0.06)
Free Cash Flow per Share Full definition →		0.57	3.47	3.73	(0.08)
Cash per Share Full definition →		7.27	7.94	7.70	8.91
Shareholders Equity per Share Full definition →		68.31	70.46	71.61	73.54
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		68.31	70.46	71.61	73.54
Free Cash Flow Full definition →		2.73	16.66	17.89	(0.38)
Working Capital Full definition →		(42.21)	5.91	(115.86)	37.62
Capital Expenditures Full definition →		(0.14)	(0.07)	(0.12)	(0.29)
Net Current Asset Value Full definition →		(355.99)	(340.49)	(353.83)	(403.77)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.00	0.00	0.00	0.01
Price to Operating Income Full definition →		6.89	6.05	6.05	6.89
Other line items
Average Payables Full definition →		2,430.68	2,379.50	2,403.02	2,343.60
Average Assets Full definition →		3,041.44	3,045.14	3,021.41	3,079.70
Average Common Equity Full definition →		313.17	318.89	325.94	333.24

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Columns are period end dates

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