Citizens Financial Services, Inc. (CZFS)

CZFS Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 20, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	334	274	298	301	296	228
Market Cap Growth	19.16%	-8.12%	-0.93%	1.83%	29.50%	9.29%
Enterprise Value	613	583.55	596.05	623.17	553	302.34
Last Close Price	69.58	57.02	62.68	63.44	74.46	58.32
PE Ratio	9.13	7.48	10.83	15.94	10.38	8.06
Forward PE	8.91	7.48	10.43	10.00	9.20	8.51
PS Ratio	3.02	2.49	3.01	3.31	3.69	2.97
PB Ratio	0.98	0.81	1.00	1.08	1.48	1.07
P/TBV Ratio	0.99	0.81	1.00	1.01	1.51	1.10
P/FCF Ratio	9.42	7.78	9.36	12.59	9.36	6.08
P/OCF Ratio	9.08	7.50	8.99	11.35	8.90	5.90
EV/Sales Ratio	5.57	5.31	6.00	6.85	6.90	3.93
EV/EBITDA Ratio	-	277.35	330.04	409.98	535.33	271.64
EV/FCF Ratio	17.40	16.56	18.70	26.05	17.50	8.04
Debt / Equity Ratio	0.92	0.92	0.99	1.15	1.29	0.35
Debt / EBITDA Ratio	147.08	147.08	164.85	211.87	249.06	66.47
Debt / FCF Ratio	8.78	8.78	9.34	13.46	8.14	1.97
Net Debt / Equity Ratio	0.92	0.92	0.99	1.15	1.29	0.35
Net Debt / EBITDA Ratio	147.08	147.08	164.85	211.87	249.06	66.47
Net Debt / FCF Ratio	8.78	8.78	9.34	13.46	8.14	1.97
Asset Turnover	0.04	0.04	0.03	0.03	0.04	0.04
Return on Equity (ROE)	11.47%	11.47%	9.60%	7.42%	14.09%	14.32%
Earnings Yield	11.02%	13.36%	9.24%	6.27%	9.63%	12.41%
FCF Yield	10.62%	12.86%	10.68%	7.94%	10.69%	16.46%
Dividend Yield	2.87%	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	0.04%	0.04%	-7.28%	-10.37%	-0.80%	-3.56%
Total Shareholder Return	2.92%	3.53%	-4.19%	-7.38%	1.71%	-0.42%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q