AI Analysis

Log in to generate an AI summary for this stock.

Log in to generate a MOAT report for this stock.

Log in to generate an earnings report for this stock.

Log in to generate an operating leverage report for this stock.

Log in to generate a management report for this stock.

Log in to generate a valuation report for this stock.

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) · TTM
050M100M150M200M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Revenue (USD) · TTM by quarter
PeriodRevenue (USD) · TTM
26 Q2175.88M
26 Q1174.77M
25 Q4173.44M
25 Q3172.09M
25 Q2170.43M
25 Q1169.25M
24 Q4168.62M
24 Q3167.49M
24 Q2165.39M
24 Q1153.24M
Net Income (USD) · TTM
020M40M60M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Net Income (USD) · TTM by quarter
PeriodNet Income (USD) · TTM
26 Q241.05M
26 Q139.33M
25 Q436.57M
25 Q334.07M
25 Q231.6M
25 Q128.41M
24 Q427.82M
24 Q327.38M
24 Q227.39M
24 Q117.97M
Operating Income (USD) · TTM
020M40M60M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Operating Income (USD) · TTM by quarter
PeriodOperating Income (USD) · TTM
26 Q250.34M
26 Q148.41M
25 Q445.09M
25 Q341.7M
25 Q238.59M
25 Q134.56M
24 Q433.68M
24 Q333.36M
24 Q233.26M
24 Q121.54M
EBITDA (USD) · TTM
020M40M60M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS EBITDA (USD) · TTM by quarter
PeriodEBITDA (USD) · TTM
26 Q251.02M
26 Q149.12M
25 Q445.78M
25 Q342.12M
25 Q240.35M
25 Q136.31M
24 Q435.49M
24 Q335.24M
24 Q235.21M
24 Q123.3M
Cash Flows (USD) · TTM
020M40M60M24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Cash Flows (USD) · TTM by quarter
PeriodCash Flows (USD) · TTM
26 Q238.13M
26 Q144M
25 Q436.46M
25 Q329.82M
25 Q231.46M
25 Q128.87M
24 Q431.87M
24 Q337.75M
24 Q239.2M
24 Q127.08M
EPS (USD) · TTM
02.557.51024 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS EPS (USD) · TTM by quarter
PeriodEPS (USD) · TTM
26 Q28.55
26 Q18.19
25 Q47.61
25 Q37.09
25 Q26.57
25 Q15.9
24 Q45.78
24 Q35.69
24 Q25.71
24 Q13.62
Expenses (USD) · TTM
-20M020M40M60MSG&ACapex24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Expenses (USD) · TTM by quarter
PeriodExpenses (USD) · TTM
26 Q246.72M
26 Q139.76M
25 Q450.41M
25 Q349.93M
25 Q243.01M
25 Q143.07M
24 Q442.66M
24 Q342.24M
24 Q242.1M
24 Q141.81M
Shares Outstanding (USD) · TTM
-200K0200K400K600K800KBuybacks (Repurchases)Stock-Based Compensation24 Q124 Q224 Q324 Q425 Q125 Q225 Q325 Q426 Q126 Q2
CZFS Shares Outstanding (USD) · TTM by quarter
PeriodShares Outstanding (USD) · TTM
26 Q2425K
26 Q1646K
25 Q4545K
25 Q3435K
25 Q2481K
25 Q1278K
24 Q4266K
24 Q3205K
24 Q2346K
24 Q1310K
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
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
Stockpicker

Video analysis: CZFS

All videos

No video analysis for this stock yet. Request one from our team.

Your email is used only to follow up on this request. We do not add you to marketing lists. Privacy Policy

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.

Similar companies

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.