Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
62.70
-2.05 (-3.17%)
Feb 11, 2026, 4:00 PM EST - Market closed

CZFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Feb '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
301274301305305239
Market Cap Growth
3.08%-9.05%-1.06%-0.03%27.28%8.99%
Last Close Price
62.7057.0260.6559.0567.3451.34
PE Ratio
8.237.4910.8317.1010.488.22
PS Ratio
2.742.493.043.533.813.17
PB Ratio
0.890.811.001.091.521.13
P/FCF Ratio
--9.4612.739.646.37
P/OCF Ratio
--9.0811.489.176.19
Debt / Equity Ratio
0.930.931.051.221.360.37
Debt / FCF Ratio
--9.8414.268.612.11
Return on Equity (ROE)
11.47%11.47%9.60%7.42%14.09%14.32%
Return on Assets (ROA)
1.20%1.20%0.93%0.67%1.30%1.44%
Earnings Yield
12.13%13.35%9.23%5.85%9.54%12.16%
FCF Yield
--10.57%7.85%10.37%15.70%
Dividend Yield
3.19%3.49%3.18%3.22%2.74%3.49%
Payout Ratio
26.05%-33.44%47.74%26.11%25.36%
Buyback Yield / Dilution
0.05%0.05%-7.36%-9.21%0.20%-2.54%
Total Shareholder Return
3.24%3.54%-4.17%-5.99%2.93%0.96%
Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q