Citizens Financial Services, Inc. (CZFS)

NASDAQ: CZFS · Real-Time Price · USD

85.15

-0.33 (-0.39%)

At close: Nov 13, 2026, 4:00 PM EST

83.01

-2.14 (-2.51%)

After-hours: Nov 13, 2026, 7:45 PM EST

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	Sep '26 Sep 30, 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	119.05	109.97	99.27	86.34	80.08	75.6
Revenue Growth	10.85%	10.78%	14.98%	7.81%	5.92%	6.33%
Net Income	42.97	36.57	27.82	17.81	29.06	29.12
Earnings Per Share	8.95	7.62	5.79	3.98	7.09	7.09
EPS Growth	26.06%	31.61%	45.51%	-43.91%	-0.00%	13.15%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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 & Investments	38.69	45.04	56.39	70.58	48.87	187.87
Total Debt	517.98	324.33	313.63	341.15	272.02	79.34
Net Cash (Debt)	-479.29	-279.29	-257.24	-270.57	-223.16	108.53
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-99.82	-58.18	-53.57	-60.45	-54.48	26.44

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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	39.92	36.53	33.18	26.54	33.24	38.69
Capital Expenditures	-0.72	-1.3	-1.31	-2.62	-1.63	-1.11
Free Cash Flow	39.2	35.24	31.87	23.92	31.61	37.59
Free Cash Flow Growth	37.07%	10.57%	33.23%	-24.32%	-15.92%	245.48%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Profit Margin	36.09%	33.26%	28.02%	20.63%	36.29%	38.51%
FCF Margin	32.93%	32.04%	32.10%	27.71%	39.47%	49.72%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 14, 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	2.040	1.980	1.931	1.899	1.843	1.794
Dividend Per Share Growth	2.53%	2.54%	1.69%	3.06%	2.71%	3.88%
Dividend Yield	2.40%	3.47%	3.08%	2.99%	2.47%	3.08%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 14, 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	9.51	7.49	10.83	17.10	10.48	8.22
Forward PE	9.70	7.48	10.43	10.00	9.20	8.51
P/FCF Ratio	10.45	7.78	9.46	12.73	9.64	6.37
PS Ratio	3.44	2.49	3.04	3.53	3.81	3.17