Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
52.28
-1.22 (-2.28%)
Jul 31, 2025, 12:25 PM - Market open

Altus Power Statistics

Total Valuation

CZFS has a market cap or net worth of $251.32 million. The enterprise value is $513.53 million.

Market Cap251.32M
Enterprise Value 513.53M

Important Dates

The last earnings date was Wednesday, July 30, 2025, after market close.

Earnings Date Jul 30, 2025
Ex-Dividend Date Jun 13, 2025

Share Statistics

CZFS has 4.81 million shares outstanding. The number of shares has increased by 0.10% in one year.

Current Share Class 4.81M
Shares Outstanding 4.81M
Shares Change (YoY) +0.10%
Shares Change (QoQ) +0.02%
Owned by Insiders (%) 5.94%
Owned by Institutions (%) 42.42%
Float 4.52M

Valuation Ratios

The trailing PE ratio is 7.90 and the forward PE ratio is 7.91.

PE Ratio 7.90
Forward PE 7.91
PS Ratio 2.47
Forward PS 2.55
PB Ratio 0.82
P/TBV Ratio 1.14
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 16.25
EV / Sales 4.94
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 10.53%.

Return on Equity (ROE) 10.53%
Return on Assets (ROA) 1.07%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $253,312
Profits Per Employee $77,080
Employee Count410
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CZFS has paid $6.98 million in taxes.

Income Tax 6.98M
Effective Tax Rate 18.10%

Stock Price Statistics

The stock price has decreased by -0.71% in the last 52 weeks. The beta is 0.46, so CZFS's price volatility has been lower than the market average.

Beta (5Y) 0.46
52-Week Price Change -0.71%
50-Day Moving Average 59.94
200-Day Moving Average 61.11
Relative Strength Index (RSI) 33.70
Average Volume (20 Days) 10,942

Short Selling Information

The latest short interest is 36,419, so 0.76% of the outstanding shares have been sold short.

Short Interest 36,419
Short Previous Month 43,590
Short % of Shares Out 0.76%
Short % of Float 0.81%
Short Ratio (days to cover) 3.32

Income Statement

In the last 12 months, CZFS had revenue of $103.86 million and earned $31.60 million in profits. Earnings per share was $6.58.

Revenue103.86M
Gross Profit 103.86M
Operating Income 41.26M
Pretax Income 33.26M
Net Income 31.60M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $6.58
Full Income Statement

Balance Sheet

The company has $61.58 million in cash and $317.92 million in debt, giving a net cash position of -$256.34 million or -$53.32 per share.

Cash & Cash Equivalents 61.58M
Total Debt 317.92M
Net Cash -256.34M
Net Cash Per Share -$53.32
Equity (Book Value) 313.65M
Book Value Per Share 65.25
Working Capital 7.25M
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 39.72%
Pretax Margin 37.15%
Profit Margin 30.43%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of $1.96, which amounts to a dividend yield of 3.77%.

Dividend Per Share $1.96
Dividend Yield 3.77%
Dividend Growth (YoY) 1.52%
Years of Dividend Growth 3
Payout Ratio 33.08%
Buyback Yield -0.10%
Shareholder Yield 3.57%
Earnings Yield 12.29%
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