stockrowCitizens 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
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Citizens Financial Services Inc. (CZFS) P/E ratio
As of 5 November 2026, Citizens Financial Services Inc. (CZFS) trades at a P/E ratio of 9.6×. Over the past ten years it has ranged from 6.9× (October 2020) to 17.4× (February 2018); the current reading is higher than 32% of that period. That is below the Banks Regional industry median of 12.0× and below the Financial sector median of 12.2×.
P/E ratio, daily
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Annual newest first
| Period | P/E ratio | Change |
|---|---|---|
| FY2025 | 7.5× | (30.10%) |
| FY2024 | 10.7× | (33.74%) |
| FY2023 | 16.1× | 56.34% |
| FY2022 | 10.3× | 27.85% |
| FY2021 | 8.1× | (3.69%) |
| FY2020 | 8.4× | (23.11%) |
| FY2019 | 10.9× | 2.93% |
| FY2018 | 10.6× | (34.85%) |
| FY2017 | 16.2× | 23.37% |
| FY2016 | 13.2× | (4.68%) |
Quarterly newest first
| Period | P/E ratio | Change |
|---|---|---|
| Sep 2026 | 8.8× | 3.79% |
| Jun 2026 | 8.5× | 13.48% |
| Mar 2026 | 7.5× | (0.08%) |
| Dec 2025 | 7.5× | (11.72%) |
| 43 more quarters | Free account |
Against its own ten years
P/E ratio against peers
| Company | P/E ratio |
|---|---|
| NECB Northeast Community Bancorp Inc. compare | 9.0× |
| CZFS Citizens Financial Services Inc. | 9.6× |
| PCB PCB Bancorp compare | 10.2× |
| FNLC First Bancorp, Inc (ME) compare | 10.3× |
| RBB RBB Bancorp compare | 10.5× |
| CHMG Chemung Financial Corp compare | 10.7× |
| NWFL Norwood Financial Corp. compare | 12.4× |
| FDBC Fidelity D&D Bancorp Inc. compare | 12.7× |
| FCBM FIRST CAROL FIN compare | — |
| Banks Regional industry median | 12.0× |
| Financial sector median | 12.2× |
| Market median | 17.9× |
What P/E ratio is
Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.
Stock Price ÷ EPS (Basic) (TTM)