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Citizens Financial Services, Inc.

$82.21 +$26.56 (+47.73%)
NASDAQ · 11 Sep 2026 20:00 UTC
Previous Close
$83.12
Day Range
$81.35$84.14
Year Range
$52.35$84.65
Market Cap
395.01M
AVG Volume
20.64K
Trailing/Forward PE
9.59/9.33
PEG ratio
7.59
Dividend Yield
2.46%
Next Earnings Date
2026-10-29
Primary Exchange
NASDAQUS
Revenue (USD)
050M100M150M200M2016201720182019202020212022202320242025
CZFS Revenue (USD) by year
PeriodRevenue (USD)
2025173.44M
2024168.62M
2023138.72M
202293.09M
202185.52M
202081.72M
201970.37M
201864.49M
201756.75M
201650.9M
Net Income (USD)
010M20M30M40M2016201720182019202020212022202320242025
CZFS Net Income (USD) by year
PeriodNet Income (USD)
202536.57M
202427.82M
202317.81M
202229.06M
202129.12M
202025.1M
201919.49M
201818.03M
201713.03M
201612.64M
Operating Income (USD)
020M40M60M2016201720182019202020212022202320242025
CZFS Operating Income (USD) by year
PeriodOperating Income (USD)
202545.09M
202433.68M
202321.52M
202235.49M
202135.32M
202030.37M
201923.31M
201821.44M
201719.06M
201615.67M
EBITDA (USD)
020M40M60M2016201720182019202020212022202320242025
CZFS EBITDA (USD) by year
PeriodEBITDA (USD)
202545.78M
202435.49M
202323.04M
202236.53M
202136.43M
202030.03M
201923.81M
201821.82M
201719.26M
201615.99M
Cash Flows (USD)
010M20M30M40M2016201720182019202020212022202320242025
CZFS Cash Flows (USD) by year
PeriodCash Flows (USD)
202536.46M
202431.87M
202323.92M
202231.61M
202137.59M
202010.88M
201921.17M
201820.99M
201715.53M
201615.61M
EPS (USD)
024682016201720182019202020212022202320242025
CZFS EPS (USD) by year
PeriodEPS (USD)
20257.61
20245.78
20233.87
20227.18
20217.19
20206.31
20195.29
20184.85
20173.5
20163.36
Expenses (USD)
020M40M60MSG&ACapex2016201720182019202020212022202320242025
CZFS Expenses (USD) by year
PeriodExpenses (USD)
202550.41M
202442.66M
202339.08M
202230.15M
202127.53M
202025.61M
201921.01M
201820.01M
201718.2M
201617.57M
Cash & Debt (USD)
0200M400M600MCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
CZFS Cash & Debt (USD) by year
PeriodCash & Debt (USD)
202574.17M
202493.14M
2023474.49M
2022471.77M
2021596.26M
2020377.65M
2019273.48M
2018273.31M
2017283.58M
2016338.73M
Debt ratios
-6-4-20220182019202020212022202320242025
CZFS Debt ratios by year
PeriodDebt ratios
20251.67
20241.56
2023-1.37
2022-1.69
2021-4.66
2020-3.04
2019-2.33
2018-2.53
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
CZFS Margins by year
PeriodMargins
202563.36%
202458.22%
202362.24%
202286.14%
202189.88%
202087.14%
201980.51%
201882.17%
201785.23%
201687.11%
Return on Capital
0%5%10%15%2016201720182019202020212022202320242025
CZFS Return on Capital by year
PeriodReturn on Capital
202510.82%
20249.28%
20236.37%
202214.52%
202113.7%
202012.92%
201912.59%
201812.95%
201710.1%
201610.25%
Shares Outstanding
02M4M6M2016201720182019202020212022202320242025
CZFS Shares Outstanding by year
PeriodShares Outstanding
20254.8M
20244.75M
20234.79M
20224.05M
20214.06M
20204.07M
20193.7M
20183.71M
20173.73M
20163.75M
Dividends (USD)
00.511.522017201820192020202120222023202420252026
CZFS Dividends (USD) by year
PeriodDividends (USD)
20261.52
20251.99
20241.95
20231.93
20221.87
20211.81
20201.87
20191.74
20181.68
20171.62
Employee Count
02004006002016201720182019202020212022202320242025
CZFS Employee Count by year
PeriodEmployee Count
2025405
2024410
2023422
2022328
2021306
2020306
2019238
2018238
2017233
2016226
Book Value Per Share (USD)
0204060802016201720182019202020212022202320242025
CZFS Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202570.48
202463.1
202358.33
202249.47
202152.3
202047.71
201941.88
201837.49
201734.54
201632.9
Total Assets (USD)
01B2B3B4B2016201720182019202020212022202320242025
CZFS Total Assets (USD) by year
PeriodTotal Assets (USD)
20253.06B
20243.03B
20232.98B
20222.33B
20212.14B
20201.89B
20191.47B
20181.43B
20171.36B
20161.22B
PE Ratio
68101214med 9.26Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS PE Ratio by year
PeriodPE Ratio
Sep 269.61
Sep 269.69
Aug 269.47
Aug 269.55
Aug 269.65
Aug 269.4
Jul 269.46
Jul 269.14
Jul 268.98
Jul 268.59
Jul 268.81
Jun 269.01
Jun 268.29
Jun 268.5
Jun 267.98
May 267.93
May 267.76
May 267.7
May 267.78
May 268.04
Apr 268.65
Apr 268.96
Apr 268.76
Apr 268.32
Mar 267.91
Mar 267.87
Mar 267.74
Mar 268.07
Feb 267.88
Feb 268.26
Feb 268.38
Feb 268.62
Jan 268.3
Jan 269.23
Jan 269.07
Jan 268.44
Jan 267.84
Dec 258.18
Dec 258.29
Dec 258.62
Dec 257.99
Nov 257.87
Nov 258.05
Nov 257.91
Nov 258.24
Oct 258.32
Oct 258.44
Oct 258.33
Oct 258.24
Oct 258.66
Sep 259.33
Sep 259.6
Sep 259.81
Sep 259.32
Aug 259.1
Aug 259.2
Aug 258.61
Aug 258.11
Aug 258.8
Jul 259.7
Jul 259.86
Jul 2510.18
Jul 2510.77
Jun 259.83
Jun 259.41
Jun 259.25
Jun 2510.16
May 2510.12
May 259.78
May 259.94
May 259.28
May 259.55
Apr 259.42
Apr 259.45
Apr 259.23
Apr 259.48
Mar 259.71
Mar 259.74
Mar 259.62
Mar 259.99
Feb 2510.39
Feb 2510.14
Feb 2511.15
Feb 2510.71
Jan 2510.52
Jan 2510.35
Jan 2510.71
Jan 259.63
Jan 2510.77
Dec 2411
Dec 2411.37
Dec 2411.92
Dec 2412.1
Nov 2412.13
Nov 2412.5
Nov 2411.95
Nov 2411.86
Nov 249.96
Oct 2410.17
Oct 2410.76
Free Cash Flow Yield
8%10%12%14%16%med 11.7%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 269.67%
Sep 269.58%
Aug 269.81%
Aug 269.73%
Aug 269.63%
Aug 269.88%
Jul 2611.83%
Jul 2612.25%
Jul 2612.45%
Jul 2613.03%
Jul 2612.7%
Jun 2612.42%
Jun 2613.49%
Jun 2613.16%
Jun 2614.03%
May 2614.1%
May 2614.42%
May 2614.53%
May 2614.37%
May 2612.4%
Apr 2611.52%
Apr 2611.12%
Apr 2611.38%
Apr 2611.99%
Mar 2612.6%
Mar 2612.67%
Mar 2612.89%
Mar 2612.36%
Feb 2612.66%
Feb 2612.07%
Feb 2611.89%
Feb 2611.57%
Jan 2612.02%
Jan 269.49%
Jan 269.65%
Jan 2610.37%
Jan 2611.17%
Dec 2510.7%
Dec 2510.56%
Dec 2510.16%
Dec 2510.96%
Nov 2511.12%
Nov 2510.87%
Nov 2511.07%
Nov 2510.62%
Oct 2511.97%
Oct 2511.8%
Oct 2511.95%
Oct 2512.09%
Oct 2511.49%
Sep 2510.67%
Sep 2510.37%
Sep 2510.14%
Sep 2510.68%
Aug 2510.94%
Aug 2510.83%
Aug 2511.57%
Aug 2512.27%
Aug 2511.55%
Jul 2510.48%
Jul 2510.3%
Jul 259.98%
Jul 259.43%
Jun 2510.34%
Jun 2510.79%
Jun 2510.99%
Jun 2510%
May 2510.04%
May 2510.39%
May 2510.22%
May 2510.95%
May 2511.99%
Apr 2512.16%
Apr 2512.12%
Apr 2512.41%
Apr 2512.08%
Mar 2511.8%
Mar 2511.76%
Mar 2511.91%
Mar 2511.47%
Feb 2513.27%
Feb 2513.6%
Feb 2512.37%
Feb 2512.88%
Jan 2513.11%
Jan 2513.33%
Jan 2512.87%
Jan 2514.32%
Jan 2512.8%
Dec 2412.54%
Dec 2412.13%
Dec 2411.57%
Dec 2411.4%
Nov 2411.37%
Nov 2411.03%
Nov 2411.54%
Nov 2411.63%
Nov 2414.37%
Oct 2414.07%
Oct 2413.3%
Price to Sales
1.41.61.822.22.4med 1.71Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS Price to Sales by year
PeriodPrice to Sales
Sep 262.24
Sep 262.26
Aug 262.21
Aug 262.23
Aug 262.25
Aug 262.19
Jul 262.13
Jul 262.06
Jul 262.02
Jul 261.93
Jul 261.98
Jun 262.03
Jun 261.87
Jun 261.91
Jun 261.79
May 261.79
May 261.75
May 261.73
May 261.75
May 261.7
Apr 261.82
Apr 261.89
Apr 261.85
Apr 261.75
Mar 261.67
Mar 261.66
Mar 261.63
Mar 261.7
Feb 261.66
Feb 261.74
Feb 261.77
Feb 261.82
Jan 261.75
Jan 261.83
Jan 261.8
Jan 261.67
Jan 261.55
Dec 251.62
Dec 251.64
Dec 251.71
Dec 251.58
Nov 251.56
Nov 251.59
Nov 251.57
Nov 251.63
Oct 251.54
Oct 251.57
Oct 251.54
Oct 251.53
Oct 251.61
Sep 251.73
Sep 251.78
Sep 251.82
Sep 251.73
Aug 251.69
Aug 251.71
Aug 251.6
Aug 251.5
Aug 251.48
Jul 251.63
Jul 251.66
Jul 251.71
Jul 251.81
Jun 251.65
Jun 251.58
Jun 251.55
Jun 251.71
May 251.7
May 251.64
May 251.67
May 251.56
May 251.58
Apr 251.55
Apr 251.56
Apr 251.52
Apr 251.56
Mar 251.6
Mar 251.61
Mar 251.59
Mar 251.65
Feb 251.7
Feb 251.66
Feb 251.82
Feb 251.75
Jan 251.72
Jan 251.69
Jan 251.75
Jan 251.57
Jan 251.76
Dec 241.8
Dec 241.86
Dec 241.95
Dec 241.98
Nov 241.98
Nov 242.04
Nov 241.95
Nov 241.94
Nov 241.65
Oct 241.68
Oct 241.78
EV/EBITDA
051015med 11.27Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS EV/EBITDA by year
PeriodEV/EBITDA
Sep 265.05
Sep 265.12
Aug 264.94
Aug 265
Aug 265.08
Aug 264.88
Jul 268.89
Jul 268.63
Jul 268.51
Jul 268.19
Jul 268.37
Jun 268.53
Jun 267.96
Jun 268.12
Jun 267.7
May 267.67
May 267.53
May 267.48
May 267.55
May 2611.56
Apr 2612.05
Apr 2612.3
Apr 2612.14
Apr 2611.78
Mar 2611.46
Mar 2611.43
Mar 2611.32
Mar 2611.58
Feb 2611.43
Feb 2611.74
Feb 2611.84
Feb 2612.03
Jan 2611.77
Jan 2611.55
Jan 2611.42
Jan 2610.91
Jan 2610.42
Dec 2510.7
Dec 2510.79
Dec 2511.05
Dec 2510.55
Nov 2510.45
Nov 2510.6
Nov 2510.48
Nov 2510.75
Oct 2511.38
Oct 2511.48
Oct 2511.39
Oct 2511.32
Oct 2511.65
Sep 2512.18
Sep 2512.39
Sep 2512.55
Sep 2512.17
Aug 2512
Aug 2512.07
Aug 2511.61
Aug 2511.22
Aug 2512.85
Jul 2513.55
Jul 2513.68
Jul 2513.93
Jul 2514.4
Jun 2513.65
Jun 2513.33
Jun 2513.2
Jun 2513.92
May 2513.88
May 2513.61
May 2513.74
May 2513.23
May 2513.25
Apr 2513.15
Apr 2513.17
Apr 2513
Apr 2513.2
Mar 2513.38
Mar 2513.4
Mar 2513.3
Mar 2513.59
Feb 251.6
Feb 251.41
Feb 252.19
Feb 251.85
Jan 251.7
Jan 251.57
Jan 251.85
Jan 251.01
Jan 251.9
Dec 242.07
Dec 242.36
Dec 242.79
Dec 242.93
Nov 242.95
Nov 243.24
Nov 242.81
Nov 242.74
Nov 244.62
Oct 244.79
Oct 245.25
Price/Operating Cashflow
67891011med 8.31Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Sep 2610.51
Sep 2610.6
Aug 2610.35
Aug 2610.44
Aug 2610.55
Aug 2610.28
Jul 268.53
Jul 268.24
Jul 268.1
Jul 267.74
Jul 267.95
Jun 268.12
Jun 267.48
Jun 267.66
Jun 267.19
May 267.16
May 267
May 266.94
May 267.02
May 268.05
Apr 268.66
Apr 268.97
Apr 268.77
Apr 268.33
Mar 267.92
Mar 267.88
Mar 267.75
Mar 268.07
Feb 267.89
Feb 268.27
Feb 268.39
Feb 268.63
Jan 268.3
Jan 2610.38
Jan 2610.2
Jan 269.49
Jan 268.81
Dec 259.2
Dec 259.33
Dec 259.69
Dec 258.99
Nov 258.85
Nov 259.06
Nov 258.9
Nov 259.27
Oct 257.82
Oct 257.93
Oct 257.83
Oct 257.74
Oct 258.14
Sep 258.77
Sep 259.03
Sep 259.22
Sep 258.76
Aug 258.55
Aug 258.64
Aug 258.09
Aug 257.62
Aug 258.15
Jul 258.98
Jul 259.14
Jul 259.43
Jul 259.98
Jun 259.1
Jun 258.72
Jun 258.57
Jun 259.41
May 259.38
May 259.06
May 259.21
May 258.6
May 258.01
Apr 257.89
Apr 257.92
Apr 257.74
Apr 257.95
Mar 258.14
Mar 258.16
Mar 258.06
Mar 258.37
Feb 257.31
Feb 257.13
Feb 257.84
Feb 257.53
Jan 257.4
Jan 257.28
Jan 257.54
Jan 256.77
Jan 257.58
Dec 247.74
Dec 248
Dec 248.39
Dec 248.51
Nov 248.53
Nov 248.79
Nov 248.41
Nov 248.34
Nov 246.8
Oct 246.95
Oct 247.35
Price to Book
0.80.911.11.2med 0.92Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS Price to Book by year
PeriodPrice to Book
Sep 261.12
Sep 261.13
Aug 261.1
Aug 261.11
Aug 261.12
Aug 261.09
Jul 261.08
Jul 261.05
Jul 261.03
Jul 260.98
Jul 261.01
Jun 261.03
Jun 260.95
Jun 260.97
Jun 260.91
May 260.91
May 260.89
May 260.88
May 260.89
May 260.87
Apr 260.94
Apr 260.97
Apr 260.95
Apr 260.9
Mar 260.86
Mar 260.85
Mar 260.84
Mar 260.87
Feb 260.85
Feb 260.89
Feb 260.91
Feb 260.93
Jan 260.9
Jan 260.96
Jan 260.94
Jan 260.88
Jan 260.81
Dec 250.85
Dec 250.86
Dec 250.9
Dec 250.83
Nov 250.82
Nov 250.84
Nov 250.82
Nov 250.86
Oct 250.84
Oct 250.85
Oct 250.84
Oct 250.83
Oct 250.87
Sep 250.94
Sep 250.97
Sep 250.99
Sep 250.94
Aug 250.92
Aug 250.93
Aug 250.87
Aug 250.82
Aug 250.81
Jul 250.89
Jul 250.91
Jul 250.94
Jul 250.99
Jun 250.91
Jun 250.87
Jun 250.85
Jun 250.94
May 250.93
May 250.9
May 250.92
May 250.86
May 250.89
Apr 250.87
Apr 250.88
Apr 250.86
Apr 250.88
Mar 250.9
Mar 250.9
Mar 250.89
Mar 250.93
Feb 250.95
Feb 250.93
Feb 251.02
Feb 250.98
Jan 250.96
Jan 250.95
Jan 250.98
Jan 250.88
Jan 250.99
Dec 241.01
Dec 241.04
Dec 241.09
Dec 241.11
Nov 241.11
Nov 241.15
Nov 241.1
Nov 241.09
Nov 240.95
Oct 240.97
Oct 241.03
Citizens Financial Services, Inc.
CZFS
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News: CZFS

BlackRock Inc. Acquires Shares of 354,551 Citizens Financial Services Inc. $CZFS

defenseworld.net · 3 Sep 2026

BlackRock Inc. Acquires Shares of 354,551 Citizens Financial Services Inc. $CZFS

BlackRock Inc. bought a new position in Citizens Financial Services Inc. (NASDAQ: CZFS) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund bought 354,551 shares of the company's stock, valued at approximately $25,684,000. BlackRock Inc. owned about 7.39% of Citizens Financial Services as of

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now

zacks.com · 31 Aug 2026

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?

Despite Recent Gains, Opportunity Remains With Citizens Financial Services

seekingalpha.com · 30 Aug 2026

Despite Recent Gains, Opportunity Remains With Citizens Financial Services

Citizens Financial Services is rated Buy, driven by strong profit growth, operational metrics, and discounted valuation despite recent share price gains. CZFS's Q2 2026 EPS beat expectations, net interest margin expanded to 3.69%, and tangible book value per share rose 17.6% year over year. Forward PE of 9.29 remains below regional peers, with the company likely to exceed its FY 2026 earnings projection.

7,797 Shares in Citizens Financial Services Inc. $CZFS Bought by Great Lakes Advisors LLC

defenseworld.net · 24 Aug 2026

7,797 Shares in Citizens Financial Services Inc. $CZFS Bought by Great Lakes Advisors LLC

Great Lakes Advisors LLC bought a new stake in Citizens Financial Services Inc. (NASDAQ: CZFS) during the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor bought 7,797 shares of the company's stock, valued at approximately $565,000. Great Lakes Advisors

All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy

zacks.com · 14 Aug 2026

All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy

Citizens Financial Services (CZFS) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).

Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio

zacks.com · 14 Aug 2026

Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Citizens Financial Services (CZFS) have what it takes?

Best Momentum Stocks to Buy for August 14th

zacks.com · 14 Aug 2026

Best Momentum Stocks to Buy for August 14th

WDC and CZFS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on August 14, 2026.

New Strong Buy Stocks for August 14th

zacks.com · 14 Aug 2026

New Strong Buy Stocks for August 14th

WDC, CECO, CHMG, CZFS and AMP have been added to the Zacks Rank #1 (Strong Buy) List on August 14, 2026.

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Disclaimer: The historical data presented on this platform is provided by Financial Modeling Prep. Stock Picker is a platform for informational purposes only and does not provide financial advice. Users are encouraged to conduct their own research and consult with a qualified financial advisor before making investment decisions.