Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
54.25
+0.65 (1.21%)
At close: Oct 30, 2025, 4:00 PM EDT
54.25
0.00 (0.00%)
After-hours: Oct 30, 2025, 4:30 PM EDT

CZFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
CurrentFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Oct '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
261301305305239220
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Market Cap Growth
-4.44%-1.06%-0.03%27.28%8.99%1.30%
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Last Close Price
53.6061.1459.5267.8951.7545.83
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PE Ratio
7.6410.8317.1010.488.228.75
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PS Ratio
2.403.043.533.813.173.09
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PB Ratio
0.791.001.091.521.131.13
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P/FCF Ratio
-9.4612.739.646.3720.19
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P/OCF Ratio
-9.0811.489.176.1918.58
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Debt / Equity Ratio
0.871.051.221.360.370.48
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Debt / FCF Ratio
-9.8414.268.612.118.48
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Return on Equity (ROE)
10.88%9.60%7.42%14.09%14.32%14.38%
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Return on Assets (ROA)
1.12%0.93%0.67%1.30%1.44%1.49%
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Earnings Yield
13.24%9.23%5.85%9.54%12.16%11.43%
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FCF Yield
-10.57%7.85%10.37%15.70%4.95%
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Dividend Yield
3.65%3.16%3.19%2.71%3.47%3.77%
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Payout Ratio
27.75%33.44%47.74%26.11%25.36%26.05%
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Buyback Yield / Dilution
-0.07%-7.36%-9.21%0.20%-2.54%-6.85%
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Total Shareholder Return
3.69%-4.20%-6.02%2.91%0.93%-3.08%
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Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.
SEC Filings: 10-K · 10-Q