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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%
Market cap
$380.6M
P/E
9.4×
Fwd P/E
7.9×
Dividend yield
2.52%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Citizens Financial Services Inc. (CZFS) P/E ratio

Alert me on P/E ratio

As of 16 October 2026, Citizens Financial Services Inc. (CZFS) trades at a P/E ratio of 9.4×. Over the past ten years it has ranged from 7.0× (July 2024) to 17.4× (February 2018); the current reading is higher than 28% of that period. That is below the Banks Regional industry median of 12.0× and below the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 7.5× (30.80%)
FY2024 10.8× (33.74%)
FY2023 16.3× 56.36%
FY2022 10.4× 27.82%
FY2021 8.1× (4.63%)
FY2020 8.5× (23.87%)
FY2019 11.2× 1.89%
FY2018 11.0× (34.84%)
FY2017 16.9× 17.49%
FY2016 14.4× 4.16%

Quarterly newest first

Period P/E ratio Change
Jun 2026 8.5× 13.48%
Mar 2026 7.5× (0.08%)
Dec 2025 7.5× (11.72%)
Sep 2025 8.5× (4.54%)
42 more quarters

Against its own ten years

Low 7.0× High 17.4×
Ten-year median 11.3×
Current reading's percentile 31

P/E ratio against peers

Company P/E ratio
FRST Primis Financial Corp. compare 7.2×
PKBK Parke Bancorp, Inc. compare 8.3×
NECB Northeast Community Bancorp Inc. compare 8.6×
CZFS Citizens Financial Services Inc. 9.4×
MVBF Mvb Financial Corp. compare 9.6×
PCB PCB Bancorp compare 9.6×
FNLC First Bancorp, Inc (ME) compare 10.1×
CHMG Chemung Financial Corp compare 11.6×
ISTR Investar Holding Corporation compare 16.4×
Banks Regional industry median 12.0×
Financial sector median 12.4×
Market median 18.1×

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)

The full definition of P/E ratio →

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