Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

74.37

-0.51 (-0.68%)

Jul 27, 2026, 11:14 AM EDT - Market open

CZFS Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	113.47	109.97	99.27	90.93	80.19	76.87
Revenue Growth	13.55%	10.78%	9.17%	13.39%	4.32%	7.94%
Net Income	18.47	36.57	27.82	17.81	29.06	29.12
Earnings Per Share	8.19	7.62	5.79	3.98	7.17	7.24
EPS Growth	38.34%	31.61%	45.48%	-44.49%	-0.97%	12.07%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	33.11	34.29	42.2	52.82	26.21	172.83
Total Debt	198.74	309.45	297.72	322.04	257.28	73.98
Net Cash (Debt)	-198.74	-309.45	-297.72	-322.04	-257.28	-73.98
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-41.40	-64.47	-62.00	-71.94	-63.44	-18.39

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	43.61	36.53	33.18	26.54	33.24	38.69
Capital Expenditures	-0.84	-1.3	-1.31	-2.62	-1.63	-1.11
Free Cash Flow	42.77	35.24	31.87	23.92	31.61	37.59
Free Cash Flow Growth	48.14%	10.57%	33.23%	-24.32%	-15.92%	245.48%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	42.80%	41.14%	34.13%	23.73%	44.26%	45.95%
Profit Margin	34.66%	33.26%	28.02%	19.59%	36.24%	37.88%
FCF Margin	37.69%	32.04%	32.10%	26.31%	39.41%	48.90%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	2.000	1.980	1.931	1.899	1.843	1.794
Dividend Per Share Growth	2.79%	2.54%	1.69%	3.06%	2.71%	3.88%
Dividend Yield	2.69%	3.49%	3.09%	2.99%	2.51%	3.15%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.08	7.48	10.83	15.94	10.38	8.06
Forward PE	9.18	7.48	10.43	10.00	9.20	8.51
P/FCF Ratio	8.36	7.78	9.36	12.59	9.36	6.08
PS Ratio	3.15	2.49	3.01	3.31	3.69	2.97