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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 | |
|---|---|---|---|---|---|
|
+8 more TTM periods Free account |
11.47% | 12.07% | 12.32% | 12.66% | |
Piotroski F-Score |
6 | 7 | 5 | — | |
| 1.20% | 1.30% | 1.33% | 1.33% | ||
ROIC |
4.64% | 6.00% | 4.48% | 0.00% | |
Return on Tangible Assets |
135.92% | (41.33%) | 70.44% | (1.72%) | |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | |
Free Cash Flow per Share |
7.35 | 8.91 | 7.69 | 0.00 | |
Free Cash Flow |
35.25 | 42.77 | 36.91 | 39.20 | |
Capital Expenditures |
(1.28) | (0.84) | (0.63) | (0.72) | |
| Other line items | |||||
Cash ROIC |
5.14% | 7.38% | 4.67% | 4.54% | |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Accounts Payable Turnover |
0.03 | 0.02 | 0.02 | 0.02 | |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Average Days of Payables |
14,184.08 | 15,021.03 | 15,061.54 | 15,505.20 | |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | |
Tax Rate |
(0.19) | (0.19) | (0.19) | — | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
38.40% | 38.13% | 38.17% | 0.00% | |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Operating CF/Net income |
1.00 | 1.11 | 0.91 | 0.93 | |
Depreciation/Fixed assets |
(0.05) | (0.06) | (0.07) | 0.00 | |
Capex/Depreciation |
1.18 | 0.64 | 0.41 | 0.00 | |
Revenue per Share |
36.16 | 36.48 | 36.71 | 0.00 | |
Operating CF per Share |
7.61 | 9.09 | 7.82 | 0.00 | |
Capex per Share |
(0.27) | (0.17) | (0.13) | 0.00 | |
Capex to Sales |
0.01 | 0.00 | 0.00 | 0.00 |
Columns are period end dates · fundamentals updated 5 Nov 2026