Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
69.65
+2.44 (3.63%)
At close: Jun 12, 2026, 4:00 PM EDT
70.40
+0.75 (1.08%)
After-hours: Jun 12, 2026, 4:40 PM EDT

CZFS Statistics

Total Valuation

CZFS has a market cap or net worth of $334.66 million. The enterprise value is $493.56 million.

Market Cap334.66M
Enterprise Value 493.56M

Important Dates

The next estimated earnings date is Wednesday, July 29, 2026, after market close.

Earnings Date Jul 29, 2026
Ex-Dividend Date Jun 12, 2026

Share Statistics

CZFS has 4.80 million shares outstanding. The number of shares has decreased by -0.06% in one year.

Current Share Class 4.80M
Shares Outstanding 4.80M
Shares Change (YoY) -0.06%
Shares Change (QoQ) +0.02%
Owned by Insiders (%) 6.37%
Owned by Institutions (%) 29.89%
Float 4.50M

Valuation Ratios

The trailing PE ratio is 8.50 and the forward PE ratio is 8.60.

PE Ratio 8.50
Forward PE 8.60
PS Ratio 2.95
Forward PS n/a
PB Ratio 0.97
P/TBV Ratio 1.31
P/FCF Ratio 7.82
P/OCF Ratio 7.67
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 12.55
EV / Sales 4.35
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 11.54

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 4.74
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 12.07%.

Return on Equity (ROE) 12.07%
Return on Assets (ROA) 1.30%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.02%
Revenue Per Employee $280,170
Profits Per Employee $97,104
Employee Count405
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CZFS has paid $9.19 million in taxes.

Income Tax 9.19M
Effective Tax Rate 18.94%

Stock Price Statistics

The stock price has increased by +17.15% in the last 52 weeks. The beta is 0.40, so CZFS's price volatility has been lower than the market average.

Beta (5Y) 0.40
52-Week Price Change +17.15%
50-Day Moving Average 65.31
200-Day Moving Average 61.12
Relative Strength Index (RSI) 66.51
Average Volume (20 Days) 6,412

Short Selling Information

The latest short interest is 36,821, so 0.77% of the outstanding shares have been sold short.

Short Interest 36,821
Short Previous Month 36,411
Short % of Shares Out 0.77%
Short % of Float 0.82%
Short Ratio (days to cover) 7.37

Income Statement

In the last 12 months, CZFS had revenue of $113.47 million and earned $39.33 million in profits. Earnings per share was $8.19.

Revenue113.47M
Gross Profit 113.47M
Operating Income 50.97M
Pretax Income 48.51M
Net Income 39.33M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $8.19
Full Income Statement

Balance Sheet

The company has $44.03 million in cash and $202.92 million in debt, with a net cash position of -$158.90 million or -$33.07 per share.

Cash & Cash Equivalents 44.03M
Total Debt 202.92M
Net Cash -158.90M
Net Cash Per Share -$33.07
Equity (Book Value) 343.58M
Book Value Per Share 71.51
Working Capital -2.39B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $43.61 million and capital expenditures -$836,000, giving a free cash flow of $42.77 million.

Operating Cash Flow 43.61M
Capital Expenditures -836,000
Depreciation & Amortization n/a
Net Borrowing -104.04M
Free Cash Flow 42.77M
FCF Per Share $8.90
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 44.92%
Pretax Margin 42.76%
Profit Margin 34.66%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 37.69%

Dividends & Yields

This stock pays an annual dividend of $2.00, which amounts to a dividend yield of 2.87%.

Dividend Per Share $2.00
Dividend Yield 2.87%
Dividend Growth (YoY) 2.79%
Years of Dividend Growth 4
Payout Ratio 24.54%
Buyback Yield 0.06%
Shareholder Yield 2.93%
Earnings Yield 11.75%
FCF Yield 12.78%
Dividend Details

Analyst Forecast

Price Target n/a
Price Target Difference n/a
Analyst Consensus n/a
Analyst Count n/a
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a

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 4