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Friday 6 November 2026
Export CZFS’s income statement to Excel — free account
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.
- Revenue
- +8.19%
- EPS
- +18.7%
- Free cash flow
- +84.0%
- Total debt
- +83.3%
Quarter to September 2026, against a year earlier
86.00
0.04
−0.05%
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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 From the 10-Q filed 5 Nov | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
7.46 | 7.46 | 8.46 | 8.78 |
P/S ratio |
1.58 | 1.68 | 1.97 | 2.10 | |
P/FCF ratio |
7.76 | 6.86 | 9.42 | 9.62 | |
P/Operating CF |
16.35 | 16.28 | (3,905.25) | 71.71 | |
P/B ratio |
0.81 | 0.85 | 0.99 | 1.07 | |
Price to Tangible BV |
1.09 | 1.15 | 1.31 | 1.43 | |
EV/Sales |
3.14 | 2.60 | 3.97 | — | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | — | |
EV/Operating CF |
14.92 | 10.44 | 18.62 | — | |
EV/FCF |
15.46 | 10.64 | 18.94 | — | |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.00 | |
Current Ratio |
1.00 | 0.95 | 1.02 | 0.00 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
10.10% | 6.57% | 12.34% | 15.02% | |
Debt/Equity |
0.92 | 0.58 | 1.12 | 1.46 | |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | |
Operating CF/Net income |
1.60 | 1.74 | (0.01) | 0.44 | |
Capex/Depreciation |
0.20 | 0.36 | 0.64 | 0.00 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
36.95% | 38.65% | 39.67% | 0.00% | |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.00 | |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Graham Net Nets |
(1.24) | (1.21) | (1.16) | (1.66) | |
Graham Number |
110.05 | 114.94 | 119.01 | 0.00 | |
Earnings Yield |
13.40% | 13.41% | 11.82% | 11.39% | |
Free Cash Flow Yield |
12.88% | 14.58% | 10.62% | 10.39% | |
Revenue per Share |
9.28 | 9.16 | 9.07 | 0.00 | |
Operating CF per Share |
3.49 | 3.76 | (0.02) | 0.00 | |
Capex per Share |
(0.01) | (0.03) | (0.06) | 0.00 | |
Free Cash Flow per Share |
3.47 | 3.73 | (0.08) | 0.00 | |
Cash per Share |
7.94 | 7.70 | 8.91 | — | |
Shareholders Equity per Share |
70.46 | 71.61 | 73.54 | 0.00 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
70.46 | 71.61 | 73.54 | 0.00 | |
Free Cash Flow |
16.66 | 17.89 | (0.38) | 5.03 | |
Working Capital |
5.91 | (115.86) | 37.62 | (2,512.95) | |
Capital Expenditures |
(0.07) | (0.12) | (0.29) | (0.23) | |
Net Current Asset Value |
(340.49) | (353.83) | (403.77) | (3,061.75) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | — | |
Capex to Sales |
0.00 | 0.00 | 0.01 | 0.00 | |
Price to Operating Income |
6.05 | 6.05 | 6.89 | 7.48 | |
| Other line items | |||||
Average Payables |
2,379.50 | 2,403.02 | 2,343.60 | 2,460.29 | |
Average Assets |
3,045.14 | 3,021.41 | 3,079.70 | 3,234.73 | |
Average Common Equity |
318.89 | 325.94 | 333.24 | 339.48 |
Columns are period end dates · fundamentals updated 5 Nov 2026