Saturday 17 October 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. 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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| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
8.46 | 7.46 | 7.46 | 8.45 |
+8 more quarters Free account |
P/S ratio |
1.97 | 1.68 | 1.58 | 1.68 | |
P/FCF ratio |
9.42 | 6.86 | 7.76 | 10.11 | |
P/Operating CF |
(3,905.25) | 16.28 | 16.35 | 100.58 | |
P/B ratio |
0.99 | 0.85 | 0.81 | 0.88 | |
Price to Tangible BV |
1.31 | 1.15 | 1.09 | 1.21 | |
EV/Sales |
3.97 | 2.60 | 3.14 | 3.10 | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
18.62 | 10.44 | 14.92 | 17.63 | |
EV/FCF |
18.94 | 10.64 | 15.46 | 18.66 | |
Quick Ratio |
0.02 | 0.02 | 0.02 | 0.01 | |
Current Ratio |
1.02 | 0.95 | 1.00 | 0.98 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
12.34% | 6.57% | 10.10% | 9.15% | |
Debt/Equity |
1.12 | 0.58 | 0.92 | 0.85 | |
Asset Turnover |
0.06 | 0.06 | 0.06 | 0.06 | |
Operating CF/Net income |
(0.01) | 1.74 | 1.60 | 0.29 | |
Capex/Depreciation |
0.64 | 0.36 | 0.20 | 0.37 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
39.67% | 38.65% | 36.95% | 37.46% | |
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 |
(1.16) | (1.21) | (1.24) | (1.23) | |
Graham Number |
119.01 | 114.94 | 110.05 | 104.68 | |
Earnings Yield |
11.82% | 13.41% | 13.40% | 11.83% | |
Free Cash Flow Yield |
10.62% | 14.58% | 12.88% | 9.90% | |
Revenue per Share |
9.07 | 9.16 | 9.28 | 9.19 | |
Operating CF per Share |
(0.02) | 3.76 | 3.49 | 0.60 | |
Capex per Share |
(0.06) | (0.03) | (0.01) | (0.03) | |
Free Cash Flow per Share |
(0.08) | 3.73 | 3.47 | 0.57 | |
Cash per Share |
8.91 | 7.70 | 7.94 | 7.27 | |
Shareholders Equity per Share |
73.54 | 71.61 | 70.46 | 68.31 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
73.54 | 71.61 | 70.46 | 68.31 | |
Free Cash Flow |
(0.38) | 17.89 | 16.66 | 2.73 | |
Working Capital |
37.62 | (115.86) | 5.91 | (42.21) | |
Capital Expenditures |
(0.29) | (0.12) | (0.07) | (0.14) | |
Net Current Asset Value |
(403.77) | (353.83) | (340.49) | (355.99) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.01 | 0.00 | 0.00 | 0.00 | |
Price to Operating Income |
6.89 | 6.05 | 6.05 | 6.89 | |
| Other line items | |||||
Average Payables |
2,343.60 | 2,403.02 | 2,379.50 | 2,430.68 | |
Average Assets |
3,079.70 | 3,021.41 | 3,045.14 | 3,041.44 | |
Average Common Equity |
333.24 | 325.94 | 318.89 | 313.17 |
Columns are period end dates