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	May 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	303	274	298	301	296	228
Market Cap Growth	16.44%	-8.12%	-0.93%	1.83%	29.50%	9.29%
Enterprise Value	462.23	583.55	596.05	623.17	553	302.34
Last Close Price	63.13	57.02	62.68	63.44	74.46	58.32
PE Ratio	7.71	7.48	10.83	15.94	10.38	8.06
Forward PE	7.79	7.48	10.43	10.00	9.20	8.51
PS Ratio	2.67	2.49	3.01	3.31	3.69	2.97
PB Ratio	0.88	0.81	1.00	1.08	1.48	1.07
P/TBV Ratio	0.88	0.81	1.00	1.01	1.51	1.10
P/FCF Ratio	7.09	7.78	9.36	12.59	9.36	6.08
P/OCF Ratio	6.96	7.50	8.99	11.35	8.90	5.90
EV/Sales Ratio	4.07	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	10.81	16.56	18.70	26.05	17.50	8.04
Debt / Equity Ratio	0.58	0.92	0.99	1.15	1.29	0.35
Debt / EBITDA Ratio	93.52	147.08	164.85	211.87	249.06	66.47
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 / EBITDA Ratio	93.52	147.08	164.85	211.87	249.06	66.47
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	12.96%	13.36%	9.24%	6.27%	9.63%	12.41%
FCF Yield	14.10%	12.86%	10.68%	7.94%	10.69%	16.46%
Dividend Yield	3.17%	3.49%	3.09%	2.99%	2.51%	3.15%
Payout Ratio	24.36%	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	3.22%	3.53%	-4.19%	-7.38%	1.71%	-0.42%

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q