Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
54.07
+0.47 (0.88%)
Oct 30, 2025, 2:54 PM EDT - Market open

CZFS Statistics

Total Valuation

CZFS has a market cap or net worth of $259.93 million. The enterprise value is $498.83 million.

Market Cap259.93M
Enterprise Value 498.83M

Important Dates

The next confirmed earnings date is Thursday, October 30, 2025, before market open.

Earnings Date Oct 30, 2025
Ex-Dividend Date Sep 12, 2025

Share Statistics

CZFS has 4.81 million shares outstanding. The number of shares has increased by 0.07% in one year.

Current Share Class 4.81M
Shares Outstanding 4.81M
Shares Change (YoY) +0.07%
Shares Change (QoQ) -0.05%
Owned by Insiders (%) 6.20%
Owned by Institutions (%) 27.27%
Float 4.51M

Valuation Ratios

The trailing PE ratio is 7.58 and the forward PE ratio is 7.39.

PE Ratio 7.58
Forward PE 7.39
PS Ratio 2.40
Forward PS 2.51
PB Ratio 0.79
P/TBV Ratio 1.07
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 14.64
EV / Sales 4.66
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 10.88%.

Return on Equity (ROE) 10.88%
Return on Assets (ROA) 1.12%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $261,154
Profits Per Employee $83,102
Employee Count410
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CZFS has paid $7.62 million in taxes.

Income Tax 7.62M
Effective Tax Rate 18.28%

Stock Price Statistics

The stock price has decreased by -10.46% in the last 52 weeks. The beta is 0.48, so CZFS's price volatility has been lower than the market average.

Beta (5Y) 0.48
52-Week Price Change -10.46%
50-Day Moving Average 59.05
200-Day Moving Average 58.91
Relative Strength Index (RSI) 37.97
Average Volume (20 Days) 7,865

Short Selling Information

The latest short interest is 31,610, so 0.66% of the outstanding shares have been sold short.

Short Interest 31,610
Short Previous Month 32,680
Short % of Shares Out 0.66%
Short % of Float 0.70%
Short Ratio (days to cover) 3.27

Income Statement

In the last 12 months, CZFS had revenue of $107.07 million and earned $34.07 million in profits. Earnings per share was $7.10.

Revenue107.07M
Gross Profit 107.07M
Operating Income 44.11M
Pretax Income 41.70M
Net Income 34.07M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $7.10
Full Income Statement

Balance Sheet

The company has $42.38 million in cash and $283.92 million in debt, giving a net cash position of -$241.54 million or -$50.24 per share.

Cash & Cash Equivalents 42.38M
Total Debt 283.92M
Net Cash -241.54M
Net Cash Per Share -$50.24
Equity (Book Value) 327.68M
Book Value Per Share 68.18
Working Capital -39.05M
Full Balance Sheet

Cash Flow

Operating Cash Flow n/a
Capital Expenditures n/a
Free Cash Flow n/a
FCF Per Share n/a
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 41.19%
Pretax Margin 38.94%
Profit Margin 31.82%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of $1.98, which amounts to a dividend yield of 3.68%.

Dividend Per Share $1.98
Dividend Yield 3.68%
Dividend Growth (YoY) 2.03%
Years of Dividend Growth 3
Payout Ratio 27.75%
Buyback Yield -0.07%
Shareholder Yield 3.69%
Earnings Yield 13.24%
FCF Yield n/a
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 13, 2025. It was a forward split with a ratio of 1.01:1.

Last Split Date Jun 13, 2025
Split Type Forward
Split Ratio 1.01:1

Scores

Altman Z-Score n/a
Piotroski F-Score 2