Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

79.10

-0.93 (-1.16%)

At close: Oct 19, 2026, 4:00 PM EDT

78.60

-0.50 (-0.63%)

Pre-market: Oct 20, 2026, 4:00 AM EDT

CZFS Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	114.76	109.97	99.27	86.34	80.08	75.6
Revenue Growth	10.15%	10.78%	14.98%	7.81%	5.92%	6.33%
Net Income	41.05	36.57	27.82	17.81	29.06	29.12
Earnings Per Share	8.55	7.62	5.79	3.98	7.09	7.09
EPS Growth	29.95%	31.61%	45.51%	-43.91%	-0.00%	13.15%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	49.51	45.04	56.39	70.58	48.87	187.87
Total Debt	397.97	324.33	313.63	341.15	272.02	79.34
Net Cash (Debt)	-348.46	-279.29	-257.24	-270.57	-223.16	108.53
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-72.59	-58.18	-53.57	-60.45	-54.48	26.44

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	37.53	36.53	33.18	26.54	33.24	38.69
Capital Expenditures	-0.63	-1.3	-1.31	-2.62	-1.63	-1.11
Free Cash Flow	36.91	35.24	31.87	23.92	31.61	37.59
Free Cash Flow Growth	17.29%	10.57%	33.23%	-24.32%	-15.92%	245.48%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	35.77%	33.26%	28.02%	20.63%	36.29%	38.51%
FCF Margin	32.16%	32.04%	32.10%	27.71%	39.47%	49.72%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	2.040	1.980	1.931	1.899	1.843	1.794
Dividend Per Share Growth	2.53%	2.54%	1.69%	3.06%	2.71%	3.88%
Dividend Yield	2.58%	3.47%	3.08%	2.99%	2.47%	3.08%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.25	7.49	10.83	17.10	10.48	8.22
Forward PE	9.03	7.48	10.43	10.00	9.20	8.51
P/FCF Ratio	10.31	7.78	9.46	12.73	9.64	6.37
PS Ratio	3.32	2.49	3.04	3.53	3.81	3.17