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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

Insider Decisions trades per month

Total buys 0.10
Total sells 0.00
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 3 — — 1 1 — 2 — — 2 — —
Sell — — — — — — 1 1 1 — — —
Insider Ownership 6.63%

Capital & Financial Ratios $m

Market Cap 380.56
Revenue 176.14
Net Income 41.05
Free Cash Flow 36.91
Net Debt 351.27
Current Ratio 1.02
Debt/Equity 1.12
P/E ratio 9.37
Fwd P/E 7.94
P/S ratio 2.18
P/B ratio 1.09
Past 5Y EPS Growth 3.56%
This Y EPS Growth 14.17%
Next Y EPS Growth 1.26%
Next Y revenue growth (43.20%) (below 0%: weak)
Next 5Y EPS Growth 9.91%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 30.81%
10-year low 10-year high
P/S against its own 10 years 27.20%
10-year low 10-year high
P/B against its own 10 years 32.36%
10-year low 10-year high

Dividends

Payout Ratio 0.24
Annual Dividend Rate 2.02
Annual Dividend Yield 2.52%
total individual payouts
2027 Powerpack
2026 2.02
0.50
0.51
0.51
2025 1.99
0.50
0.50
0.50
0.50
2024 1.95
0.49
0.49
0.49
0.49
2023 1.92
0.48
0.48
0.49
0.49
2022 1.86
0.46
0.46
0.47
0.47
2021 1.81
0.45
0.45
0.46
0.46
2020 1.85
0.53
0.43
0.44
0.44
2019 1.69
0.42
0.42
0.43
0.43
2018 1.64
0.41
0.41
0.41
0.41
2017 1.56
0.38
0.38
0.40
0.40
2016 1.48
0.37
0.37
0.37
0.37
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 57 46 38 43
Receivables — — — —
Inventory — — — —
Other — — — —
2,305 2,357 2,386 2,436
2023 2024 2025 Q'26
Payables 2,321 2,382 2,377 2,395
ST’ Debt — — — —
Other — — — —
2,326 2,387 2,380 2,398

Compound Annual Growth %

10y 5y 3y
Sales 14.95% 16.25% 23.06%
Cash Flow 11.05% 25.31% 3.20%
Earnings 12.14% 7.82% 7.97%
Book Value 10.93% 11.72% 19.09%

Revenue $m

Mar Jun Sep Dec Year
’26 44 44 — — —
’25 42 42 44 45 174
’24 43 41 42 43 170
’23 27 29 40 42 139
’22 20 22 24 27 93
’21 23 21 21 21 86
’20 17 20 22 22 82
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 18 0 — — —
’25 11 6 3 17 37
’24 13 3 6 10 33
’23 10 (8) 7 16 27
’22 12 3 9 9 33
’21 14 8 11 6 39
’20 5 (10) 3 14 12
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 18 0 — — —
’25 10 5 3 17 35
’24 21 3 6 10 39
’23 10 (9) 7 16 24
’22 12 2 9 8 32
’21 13 8 10 6 38
’20 4 (10) 3 14 11
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 2.16 2.12 — — —
’25 1.60 1.76 2.09 2.18 7.62
’24 1.49 1.11 1.59 1.68 5.85
’23 1.71 (1.01) 1.61 1.60 4.06
’22 1.68 1.72 1.88 1.97 7.25
’21 2.10 1.66 1.75 1.73 7.23
’20 1.24 1.35 1.98 1.80 6.40
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 45.17 48.67 53.88 53.92 34.94 52.90 58.28 42.67 38.52 49.99

Analyst estimates 2026–2028

Powerpack
High 51.41 62.46 64.54 62.36 67.93 63.09 86.27 91.09 75.40 66.72
People
People Employees 270 273 274 268 306 306 328 422 410 405
Revenue/emp, $m 0.19 0.21 0.24 0.26 0.27 0.28 0.28 0.33 0.41 0.43
Income, $m
Income, $m Revenue 51 57 64 70 82 86 93 139 170 174
Gross margin, % 90.10 89.71 85.15 82.89 90.08 91.69 87.94 66.22 60.01 64.75
EBT 16 19 21 23 30 35 35 22 34 45
EBT margin, % 30.79 33.58 33.24 33.13 37.16 41.30 38.13 15.55 19.96 26.07
Net income 13 13 18 19 25 29 29 18 28 37
Depreciation 3 2 1 1 (2) (1) 1 0 0 (1)
Per share, $
Per share, $ Revenue 13.67 15.36 17.49 19.17 20.84 21.26 22.95 30.99 35.38 36.16
Earnings 3.39 3.52 4.89 5.32 6.41 7.23 7.25 4.06 5.86 7.62
Cash flow 4.35 4.26 5.83 5.93 3.01 9.62 8.20 5.93 6.92 7.61
Capex 0.10 (0.06) (0.14) (0.13) (0.24) (0.27) (0.40) (0.58) 1.22 (0.27)
Free cash flow 4.45 4.20 5.69 5.80 2.77 9.34 7.79 5.34 8.14 7.35
Book value 33.11 34.92 37.77 42.17 49.53 52.82 49.35 62.48 62.48 70.46
Shares, m 4 4 4 4 4 4 4 4 5 5
Valuation, ×
Valuation, × P/E 14.38 16.89 11.01 11.22 8.54 8.14 10.41 16.28 10.79 7.46
P/S 3.57 3.89 3.08 3.11 2.61 2.77 3.29 2.06 1.79 1.58
P/B 1.47 1.71 1.43 1.42 1.10 1.12 1.53 1.02 1.01 0.81
EV/Sales 4.65 5.40 4.00 3.86 2.69 1.49 5.71 3.97 3.27 3.14
EV/FCF 14.28 19.73 12.28 12.75 20.18 3.38 16.81 23.00 14.22 15.46
Cash, $m
Cash, $m Operating cash flow 16 16 21 22 12 39 33 27 33 37
Capex 0 0 0 0 (1) (1) (2) (3) 6 (1)
Free cash flow 17 16 21 21 11 38 32 24 39 35
Balance, $m
Balance, $m Working capital (185) (82) (79) (72) (97) (219) (99) (21) (29) 6
Total debt 80 115 91 85 89 74 257 322 298 309
Net debt 55 86 59 52 6 (110) 225 265 252 271
Shareholders’ equity 123 129 139 155 194 212 200 280 300 338
Returns, %
Returns, % ROA 1.06 1.01 1.29 1.35 1.50 1.44 1.30 0.67 0.93 1.20
ROIC 5.50 5.59 6.76 7.17 10.14 21.51 5.26 3.54 3.84 4.64
ROE 10.40 10.33 13.45 13.26 14.38 14.32 14.08 7.42 9.60 11.47
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Citizens Financial Services Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
ISTR Investar Holding Corporation $395.3M 16.4× 10.1× +48.21% (above 0%: growing) +39.13% (above 0%: growing) +108.35% (above 0%: growing) 64.92% 0.00% Compare
PCB PCB Bancorp $390.4M 9.6× 8.7× +1.21% (above 0%: growing) +15.87% (above 0%: growing) −67.53% (below 0%: shrinking) 57.65% 0.00% Compare
CHMG Chemung Financial Corp $383.8M 11.6× 9.9× +85.38% (above 0%: growing) n/m −18.05% (below 0%: shrinking) 75.31% 0.00% Compare
PKBK Parke Bancorp, Inc. $383.7M 8.3× — +9.73% (above 0%: growing) +48.57% (above 0%: growing) −12.38% (below 0%: shrinking) 60.74% 0.00% Compare
FRST Primis Financial Corp. $382.9M 7.2× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
FNLC First Bancorp, Inc (ME) $381.4M 10.1× 10.2× +1.24% (above 0%: growing) +17.81% (above 0%: growing) −281.41% (below 0%: shrinking) 58.03% 0.00% Compare
NECB Northeast Community Bancorp Inc. $381.0M 8.6× 8.3× −5.64% (below 0%: shrinking) −11.76% (below 0%: shrinking) −14.85% (below 0%: shrinking) 68.91% 0.00% Compare
CZFS Citizens Financial Services Inc. $380.6M 9.4× 7.9× +2.61% (above 0%: growing) +20.45% (above 0%: growing) −106.85% (below 0%: shrinking) 68.26% 0.00%
MVBF Mvb Financial Corp. $377.0M 9.6× 12.3× +33.88% (above 0%: growing) +493.75% (above 0%: growing) −42.33% (below 0%: shrinking) 75.80% 0.00% Compare
Median of peers $383.3M 9.6× 10.1× +14.53% +39.13% −16.45% 66.92% 0.00%

All 323 Banks Regional stocks →

Citizens Financial Services Inc. (CZFS) key facts

  • Strength: Citizens Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $173.5 million, up 2.24% from fiscal 2024.
  • Strength: Net income was $36.6 million, or $7.62 per share (basic), a net margin of 21.1%.
  • Citizens Financial Services Inc. (CZFS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CZFS traded at $80.21, a market capitalization of $380.6 million.
  • At that price the stock trades at 9.4× trailing-twelve-month earnings and 2.2× sales; its P/E is higher than 31% of its own readings over the past ten years.
  • Citizens Financial Services Inc. pays an annual dividend of $2.02 per share, a yield of 2.52%, with a payout ratio of 23.6%.
  • Return on equity was 11.5% and debt-to-equity 1.12.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Citizens Financial Services Inc. (CZFS) Latest News

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stockrow.com/CZFS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com