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Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
78.05
-1.41 (-1.77%)
At close: Oct 9, 2026, 4:00 PM EDT
77.50
-0.55 (-0.70%)
After-hours: Oct 9, 2026, 4:13 PM EDT

CZFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
375274301305305239
Market Cap Growth
35.87%-9.05%-1.06%-0.03%27.28%8.99%
Last Close Price
78.0555.7759.3257.7565.8750.22

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.137.4910.8317.1010.488.22
PS Ratio
3.272.493.043.533.813.17
PB Ratio
1.060.811.001.091.521.13
P/FCF Ratio
10.177.789.4612.739.646.37
P/OCF Ratio
10.007.509.0811.489.176.19

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
1.130.961.051.221.360.37
Debt / FCF Ratio
10.789.209.8414.268.612.11
Net Debt / Equity Ratio
0.990.830.860.971.12-0.51
Net Debt / FCF Ratio
9.447.938.0711.317.06-2.89
Return on Equity (ROE)
12.32%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
Oct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
10.94%13.35%9.23%5.85%9.54%12.16%
FCF Yield
9.83%12.86%10.57%7.85%10.37%15.70%
Dividend Yield
2.61%3.55%3.26%3.29%2.80%3.57%
Payout Ratio
23.63%26.11%33.44%47.74%26.11%25.36%
Buyback Yield / Dilution
0.03%0.04%-7.28%-9.28%0.20%-2.54%
Total Shareholder Return
2.64%3.59%-4.03%-5.99%2.99%1.03%
SEC Filings: 10-K · 10-Q