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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)
020M40M60M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Revenue (USD) by quarter
PeriodRevenue (USD)
26 Q243.52M
26 Q143.77M
25 Q444.48M
25 Q344.11M
25 Q242.41M
25 Q142.44M
24 Q443.13M
24 Q342.44M
24 Q241.24M
24 Q141.8M
Net Income (USD)
05M10M15M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Net Income (USD) by quarter
PeriodNet Income (USD)
26 Q210.19M
26 Q110.38M
25 Q410.48M
25 Q310.01M
25 Q28.46M
25 Q17.62M
24 Q47.98M
24 Q37.54M
24 Q25.28M
24 Q17.02M
Operating Income (USD)
05M10M15M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Operating Income (USD) by quarter
PeriodOperating Income (USD)
26 Q212.34M
26 Q112.7M
25 Q412.94M
25 Q312.36M
25 Q210.42M
25 Q19.38M
24 Q49.54M
24 Q39.25M
24 Q26.39M
24 Q18.5M
EBITDA (USD)
05M10M15M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS EBITDA (USD) by quarter
PeriodEBITDA (USD)
26 Q212.79M
26 Q113.17M
25 Q413.63M
25 Q311.44M
25 Q210.89M
25 Q19.82M
24 Q49.97M
24 Q39.67M
24 Q26.85M
24 Q19M
Cash Flows (USD)
-5M05M10M15M20M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Cash Flows (USD) by quarter
PeriodCash Flows (USD)
26 Q2-376K
26 Q117.89M
25 Q416.66M
25 Q33.96M
25 Q25.49M
25 Q110.36M
24 Q410.02M
24 Q35.59M
24 Q22.9M
24 Q113.36M
EPS (USD)
012324 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS EPS (USD) by quarter
PeriodEPS (USD)
26 Q22.12
26 Q12.16
25 Q42.18
25 Q32.09
25 Q21.76
25 Q11.58
24 Q41.66
24 Q31.57
24 Q21.09
24 Q11.46
Expenses (USD)
-5M05M10M15M20MSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Expenses (USD) by quarter
PeriodExpenses (USD)
26 Q217.15M
26 Q1665K
25 Q411.08M
25 Q317.82M
25 Q210.19M
25 Q111.32M
24 Q410.59M
24 Q310.9M
24 Q210.25M
24 Q110.91M
Cash & Debt (USD)
0200M400M600MCashLong Term DebtShort Term Debt24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Cash & Debt (USD) by quarter
PeriodCash & Debt (USD)
26 Q2530.74M
26 Q1133.91M
25 Q474.17M
25 Q3107.65M
25 Q2116.75M
25 Q185.41M
24 Q493.14M
24 Q3459.77M
24 Q2444.91M
24 Q1438.3M
Debt ratios
-10-5051024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Debt ratios by quarter
PeriodDebt ratios
26 Q2-2.68
26 Q11.32
25 Q45.14
25 Q34.08
25 Q24.87
25 Q15.97
24 Q45.76
24 Q3-6.47
24 Q2-3.13
24 Q1-6.64
Margins
0%20%40%60%80%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Margins by quarter
PeriodMargins
26 Q267.12%
26 Q166.5%
25 Q465.29%
25 Q364.6%
25 Q262.63%
25 Q160.8%
24 Q460.77%
24 Q359.56%
24 Q254.89%
24 Q157.51%
Return on Capital
0%1%2%3%4%24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Return on Capital by quarter
PeriodReturn on Capital
26 Q22.89%
26 Q13.02%
25 Q43.1%
25 Q33.05%
25 Q22.7%
25 Q12.47%
24 Q42.66%
24 Q32.52%
24 Q21.84%
24 Q12.48%
Shares Outstanding
02M4M6M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Shares Outstanding by quarter
PeriodShares Outstanding
26 Q24.8M
26 Q14.8M
25 Q44.8M
25 Q34.8M
25 Q24.8M
25 Q14.75M
24 Q44.75M
24 Q34.75M
24 Q24.84M
24 Q14.75M
Dividends (USD)
00.20.40.6Jun 24Sep 24Dec 24Mar 25Jun 25Sep 25Dec 25Mar 26Jun 26Sep 26
CZFS Dividends (USD) by quarter
PeriodDividends (USD)
Sep 260.51
Jun 260.51
Mar 260.5
Dec 250.5
Sep 250.5
Jun 250.49
Mar 250.49
Dec 240.49
Sep 240.49
Jun 240.49
Employee Count
02004006002016201720182019202020212022202320242025
CZFS Employee Count by quarter
PeriodEmployee Count
2025405
2024410
2023422
2022328
2021306
2020306
2019238
2018238
2017233
2016226
Book Value Per Share (USD)
02040608024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Book Value Per Share (USD) by quarter
PeriodBook Value Per Share (USD)
26 Q273.54
26 Q171.61
25 Q470.48
25 Q368.31
25 Q265.38
25 Q164.9
24 Q463.1
24 Q362.88
24 Q259.13
24 Q159.52
Total Assets (USD)
01B2B3B4B24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Total Assets (USD) by quarter
PeriodTotal Assets (USD)
26 Q23.19B
26 Q13.03B
25 Q43.06B
25 Q33.06B
25 Q22.97B
25 Q13.02B
24 Q43.03B
24 Q33.03B
24 Q22.95B
24 Q12.92B
PE Ratio
68101214med 9.26Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
CZFS PE Ratio by quarter
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 quarter
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 quarter
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 quarter
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 quarter
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 quarter
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.