Citizens Financial Services, Inc. (CZFS)

CZFS Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Year	Current	2023	2022	2021	2020	2019
Market Capitalization	209	305	305	240	220	219
Market Cap Growth	-30.20%	-0.03%	27.02%	9.21%	0.30%	10.12%
Enterprise Value	459	570	530	130	226	271
PE Ratio	11.82	17.10	10.48	8.24	8.75	11.24
PS Ratio	2.29	3.53	3.80	3.12	3.08	3.87
PB Ratio	0.74	1.09	1.52	1.13	1.13	1.42
P/FCF Ratio	6.09	12.73	9.64	6.38	20.19	10.28
P/OCF Ratio	7.05	11.48	9.17	6.20	18.58	10.06
EV/Sales Ratio	5.03	6.60	6.61	1.69	3.17	4.79
EV/EBITDA Ratio	19.69	24.73	14.50	3.57	7.17	11.14
EV/EBIT Ratio	21.29	26.48	14.92	3.68	7.44	11.64
EV/FCF Ratio	13.39	23.82	16.76	3.46	20.77	12.74
Debt / Equity Ratio	1.00	1.15	1.29	0.35	0.46	0.55
Debt / EBITDA Ratio	12.17	13.98	7.04	2.03	2.82	3.50
Debt / FCF Ratio	8.28	13.46	8.14	1.97	8.17	4.00
Asset Turnover	0.03	0.03	0.04	0.04	0.04	0.04
Return on Equity (ROE)	6.60%	7.00%	14.70%	14.10%	13.80%	13.10%
Return on Assets (ROA)	0.60%	0.60%	1.30%	1.40%	1.40%	1.30%
Return on Capital (ROIC)	3.17%	2.96%	6.35%	10.16%	8.87%	8.12%
Earnings Yield	8.62%	5.85%	9.54%	12.14%	11.43%	8.90%
FCF Yield	16.43%	7.85%	10.37%	15.67%	4.95%	9.72%
Dividend Yield	4.47%	3.00%	2.50%	3.10%	3.40%	2.90%
Payout Ratio	52.79%	48.00%	26.30%	25.50%	29.60%	33.00%
Buyback Yield / Dilution	-17.39%	-9.32%	0.36%	-3.56%	-6.85%	-0.55%
Total Shareholder Return	-12.92%	-6.32%	2.86%	-0.46%	-3.45%	2.35%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).