Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

67.65

-0.31 (-0.46%)

At close: Jun 22, 2026, 4:00 PM EDT

67.44

-0.21 (-0.31%)

After-hours: Jun 22, 2026, 6:06 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	Jun '26 Jun 22, 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	325	274	298	301	296	228
Market Cap Growth	15.64%	-8.12%	-0.93%	1.83%	29.50%	9.29%
Last Close Price	67.65	57.02	62.68	63.44	74.46	58.32
PE Ratio	8.26	7.48	10.83	15.94	10.38	8.06
Forward PE	8.35	7.48	10.43	10.00	9.20	8.51
PS Ratio	2.86	2.49	3.01	3.31	3.69	2.97
PB Ratio	0.94	0.81	1.00	1.08	1.48	1.07
P/TBV Ratio	1.27	1.09	1.43	1.49	1.80	1.31
P/FCF Ratio	7.58	7.78	9.36	12.59	9.36	6.08
P/OCF Ratio	7.43	7.50	8.99	11.35	8.90	5.90
Debt / Equity Ratio	0.58	0.92	0.99	1.15	1.29	0.35
Debt / FCF Ratio	4.65	8.78	9.34	13.46	8.14	1.97
Net Debt / Equity Ratio	0.58	0.92	0.99	1.15	1.29	0.35
Net Debt / FCF Ratio	4.65	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)	11.54%	11.47%	9.60%	7.42%	14.09%	14.32%
Earnings Yield	12.14%	13.36%	9.24%	6.27%	9.63%	12.41%
FCF Yield	13.20%	12.86%	10.68%	7.94%	10.69%	16.46%
Dividend Yield	2.96%	3.49%	3.09%	2.99%	2.51%	3.15%
Payout Ratio	24.54%	26.11%	33.44%	47.74%	26.11%	25.36%
Buyback Yield / Dilution	0.06%	0.04%	-7.28%	-10.37%	-0.80%	-3.56%
Total Shareholder Return	3.01%	3.53%	-4.19%	-7.38%	1.71%	-0.42%

SEC Filings: 10-K · 10-Q