Citizens Financial Services Inc. CZFS
79.85
0.52
0.66%
as of 25 Sep
- Market cap
- $394.4M
- P/E
- 9.4×
Follow CZFS
Growth Flags
show if company had growth for consecutive years,
Insider Buys
alert about insiders buying in the last 12 month
| Older periods | Sep '25 | Dec '25 | Mar '26 | Jun '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
8.45 | 7.46 | 7.46 | 8.46 |
P/S ratio |
1.68 | 1.58 | 1.68 | 1.97 | |
P/FCF ratio |
10.11 | 7.76 | 6.86 | 9.42 | |
P/Operating CF |
100.58 | 16.35 | 16.28 | (3,905.25) | |
P/B ratio |
0.88 | 0.81 | 0.85 | 0.99 | |
Price to Tangible BV |
1.21 | 1.09 | 1.15 | 1.31 | |
EV/Sales |
3.10 | 3.14 | 2.60 | 3.97 | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
17.63 | 14.92 | 10.44 | 18.62 | |
EV/FCF |
18.66 | 15.46 | 10.64 | 18.94 | |
Quick Ratio |
0.01 | 0.02 | 0.02 | 0.02 | |
Current Ratio |
0.98 | 1.00 | 0.95 | 1.02 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
9.15% | 10.10% | 6.57% | 12.34% | |
Debt/Equity |
0.85 | 0.92 | 0.58 | 1.12 | |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | |
Operating CF/Net income |
0.29 | 1.60 | 1.74 | (0.01) | |
Capex/Depreciation |
0.37 | 0.20 | 0.36 | 0.64 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
37.46% | 36.95% | 38.65% | 39.67% | |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Graham Net Nets |
(1.23) | (1.24) | (1.21) | (1.16) | |
Graham Number |
104.68 | 110.05 | 114.94 | 119.01 | |
Earnings Yield |
11.83% | 13.40% | 13.41% | 11.82% | |
Free Cash Flow Yield |
9.90% | 12.88% | 14.58% | 10.62% | |
Revenue per Share |
9.19 | 9.28 | 9.16 | 9.07 | |
Operating CF per Share |
0.60 | 3.49 | 3.76 | (0.02) | |
Capex per Share |
(0.03) | (0.01) | (0.03) | (0.06) | |
Free Cash Flow per Share |
0.57 | 3.47 | 3.73 | (0.08) | |
Cash per Share |
7.27 | 7.94 | 7.70 | 8.91 | |
Shareholders Equity per Share |
68.31 | 70.46 | 71.61 | 73.54 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
68.31 | 70.46 | 71.61 | 73.54 | |
Free Cash Flow |
2.73 | 16.66 | 17.89 | (0.38) | |
Working Capital |
(42.21) | 5.91 | (115.86) | 37.62 | |
Capital Expenditures |
(0.14) | (0.07) | (0.12) | (0.29) | |
Net Current Asset Value |
(355.99) | (340.49) | (353.83) | (403.77) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.01 | |
Net Profit Margin |
22.68% | 23.53% | 23.60% | 23.41% | |
Price to Operating Income |
6.89 | 6.05 | 6.05 | 6.89 | |
| Other line items | |||||
Average Payables |
2,430.68 | 2,379.50 | 2,403.02 | 2,343.60 | |
Average Assets |
3,041.44 | 3,045.14 | 3,021.41 | 3,079.70 | |
Average Common Equity |
313.17 | 318.89 | 325.94 | 333.24 |
Columns are period end dates