Citizens Financial Services, Inc. (CZFS)

CZFS Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 10, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Cap	261	272	269	227	223	224
Market Cap Growth	2.78%	1.12%	18.52%	1.43%	-0.16%	11.26%
Enterprise Value	526.85	569.26	590.57	483.86	297.37	312.58
Last Close Price	54.35	57.05	57.05	57.05	57.05	57.05
PE Ratio	8.28	9.75	14.19	7.96	7.88	8.83
Forward PE	7.58	-	-	-	-	-
PS Ratio	2.59	2.81	3.32	2.89	2.97	3.25
PB Ratio	0.86	0.91	0.96	1.13	1.05	1.15
P/TBV Ratio	0.83	0.91	0.90	1.16	1.08	1.14
P/FCF Ratio	8.60	8.52	11.23	7.17	5.94	20.56
P/OCF Ratio	8.04	8.18	10.12	6.82	5.77	18.93
EV/Sales Ratio	5.06	5.89	7.31	6.16	3.95	4.54
EV/EBITDA Ratio	-	-71157.11	-32809.44	497.79	-246.37	-187.51
EV/FCF Ratio	16.74	17.86	24.69	15.31	7.91	28.73
Debt / Equity Ratio	1.00	0.99	1.15	1.29	0.35	0.46
Debt / EBITDA Ratio	1759.66	-37215.12	-17890.89	264.69	-61.29	-53.29
Debt / FCF Ratio	9.96	9.34	13.46	8.14	1.97	8.16
Asset Turnover	0.04	0.03	0.03	0.04	0.04	0.04
Return on Equity (ROE)	10.30%	9.60%	7.42%	14.08%	14.32%	14.38%
Earnings Yield	11.68%	10.25%	7.05%	12.57%	12.69%	11.32%
FCF Yield	11.63%	11.74%	8.91%	13.95%	16.83%	4.86%
Dividend Yield	3.63%	3.43%	3.37%	3.28%	3.22%	2.95%
Payout Ratio	29.93%	33.44%	47.74%	26.11%	25.36%	26.05%
Buyback Yield / Dilution	0.10%	0.09%	0.09%	0.52%	0.62%	0.89%
Total Shareholder Return	3.74%	3.52%	3.45%	3.79%	3.83%	3.84%

Updated Jul 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q