Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

77.52

+1.14 (1.49%)

At close: Jul 31, 2026, 4:00 PM EDT

77.80

+0.28 (0.36%)

After-hours: Jul 31, 2026, 7:58 PM EDT

CZFS Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	373	274	298	301	296	228
Market Cap Growth	46.43%	-8.12%	-0.93%	1.83%	29.50%	9.29%
Last Close Price	77.52	57.02	62.68	63.44	74.46	58.32
PE Ratio	9.07	7.48	10.83	15.94	10.38	8.06
Forward PE	9.54	7.48	10.43	10.00	9.20	8.51
PS Ratio	3.21	2.49	3.01	3.31	3.69	2.97
PB Ratio	1.06	0.81	1.00	1.08	1.48	1.07
P/TBV Ratio	1.40	1.09	1.43	1.49	1.80	1.31
P/FCF Ratio	8.72	7.78	9.36	12.59	9.36	6.08
P/OCF Ratio	8.55	7.50	8.99	11.35	8.90	5.90
Debt / Equity Ratio	1.12	0.92	0.99	1.15	1.29	0.35
Debt / FCF Ratio	-	8.78	9.34	13.46	8.14	1.97
Net Debt / Equity Ratio	1.12	0.92	0.99	1.15	1.29	0.35
Net Debt / FCF Ratio	-	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)	11.88%	11.47%	9.60%	7.42%	14.09%	14.32%
Earnings Yield	11.01%	13.36%	9.24%	6.27%	9.63%	12.41%
FCF Yield	11.47%	12.86%	10.68%	7.94%	10.69%	16.46%
Dividend Yield	2.63%	3.49%	3.09%	2.99%	2.51%	3.15%
Payout Ratio	23.51%	26.11%	33.44%	47.74%	26.11%	25.36%
Buyback Yield / Dilution	0.02%	0.04%	-7.28%	-10.37%	-0.80%	-3.56%
Total Shareholder Return	2.65%	3.53%	-4.19%	-7.38%	1.71%	-0.42%

SEC Filings: 10-K · 10-Q