Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
61.58
-0.21 (-0.35%)
Mar 24, 2026, 3:37 PM EDT - Market open

CZFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
296274298301296228
Market Cap Growth
5.30%-8.12%-0.93%1.83%29.50%9.29%
Enterprise Value
580.7583.55596.05623.17553302.34
Last Close Price
61.5857.0262.6863.4474.4658.32
PE Ratio
8.117.4810.8315.9410.388.06
Forward PE
7.917.4810.4310.009.208.51
PS Ratio
2.722.553.093.533.773.03
PB Ratio
0.880.811.001.081.481.07
P/TBV Ratio
0.870.811.001.011.511.10
P/FCF Ratio
8.507.789.3612.599.366.08
P/OCF Ratio
8.207.508.9911.358.905.90
EV/Sales Ratio
5.285.426.177.307.044.01
EV/EBITDA Ratio
-277.35330.04409.98535.33271.64
EV/FCF Ratio
16.4816.5618.7026.0517.508.04
Debt / Equity Ratio
0.920.920.991.151.290.35
Debt / EBITDA Ratio
147.08147.08164.85211.87249.0666.47
Debt / FCF Ratio
8.788.789.3413.468.141.97
Net Debt / Equity Ratio
0.920.920.991.151.290.35
Net Debt / EBITDA Ratio
147.08147.08164.85211.87249.0666.47
Net Debt / FCF Ratio
8.788.789.3413.468.141.97
Asset Turnover
0.040.040.030.030.040.04
Return on Equity (ROE)
11.47%11.47%9.60%7.42%14.08%14.32%
Earnings Yield
12.21%13.36%9.24%6.27%9.63%12.41%
FCF Yield
11.77%12.86%10.68%7.94%10.69%16.46%
Dividend Yield
3.24%3.49%3.09%2.99%2.51%3.15%
Payout Ratio
26.18%26.11%33.44%47.74%26.11%25.36%
Buyback Yield / Dilution
0.17%0.17%0.08%0.08%0.39%0.60%
Total Shareholder Return
3.41%3.66%3.18%3.07%2.91%3.75%
Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q