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Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
86.56
+1.69 (1.99%)
Nov 9, 2026, 10:25 AM EST - Market open

CZFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
416274301305305239
Market Cap Growth
53.60%-9.05%-1.06%-0.03%27.28%8.99%
Last Close Price
84.8755.7759.3257.7565.8750.22

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.677.4910.8317.1010.488.22
PS Ratio
3.432.493.043.533.813.17
PB Ratio
1.160.811.001.091.521.13
P/FCF Ratio
11.067.789.4612.739.646.37
P/OCF Ratio
10.887.509.0811.489.176.19

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
1.480.961.051.221.360.37
Debt / FCF Ratio
-9.209.8414.268.612.11
Net Debt / Equity Ratio
1.360.830.860.971.12-0.51
Net Debt / FCF Ratio
-7.938.0711.317.06-2.89
Return on Equity (ROE)
12.66%11.47%9.60%7.42%14.09%14.32%
Return on Assets (ROA)
1.33%1.20%0.93%0.67%1.30%1.44%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Nov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
10.34%13.35%9.23%5.85%9.54%12.16%
FCF Yield
9.04%12.86%10.57%7.85%10.37%15.70%
Dividend Yield
2.34%3.47%3.08%2.99%2.47%3.08%
Payout Ratio
22.57%26.11%33.44%47.74%26.11%25.36%
Buyback Yield / Dilution
-0.00%0.04%-7.28%-9.28%0.20%-2.54%
Total Shareholder Return
2.40%3.52%-4.20%-6.29%2.67%0.54%
SEC Filings: 10-K · 10-Q