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Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
81.36
+0.64 (0.79%)
Aug 26, 2026, 11:31 AM EDT - Market open

CZFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Aug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
391274301305305239
Market Cap Growth
34.38%-9.05%-1.06%-0.03%27.28%8.99%
Last Close Price
80.7256.1259.6958.1166.2850.53

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Aug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.447.4910.8317.1010.488.22
PS Ratio
3.382.493.043.533.813.17
PB Ratio
1.100.811.001.091.521.13
P/FCF Ratio
10.527.789.4612.739.646.37
P/OCF Ratio
10.347.509.0811.489.176.19

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Aug '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
Aug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
10.57%13.35%9.23%5.85%9.54%12.16%
FCF Yield
9.51%12.86%10.57%7.85%10.37%15.70%
Dividend Yield
2.53%3.53%3.23%3.27%2.78%3.55%
Payout Ratio
23.51%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
2.56%3.57%-4.05%-6.01%2.98%1.01%
SEC Filings: 10-K · 10-Q