Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
82.29
+1.20 (1.48%)
Aug 11, 2026, 4:00 PM EDT - Market closed

CZFS Statistics

Total Valuation

CZFS has a market cap or net worth of $395.80 million. The enterprise value is $744.27 million.

Market Cap395.80M
Enterprise Value 744.27M

Important Dates

The last earnings date was Thursday, July 30, 2026, before market open.

Earnings Date Jul 30, 2026
Ex-Dividend Date Jun 12, 2026

Share Statistics

CZFS has 4.81 million shares outstanding. The number of shares has decreased by -0.03% in one year.

Current Share Class 4.81M
Shares Outstanding 4.81M
Shares Change (YoY) -0.03%
Shares Change (QoQ) +0.01%
Owned by Insiders (%) 6.53%
Owned by Institutions (%) 30.40%
Float 4.46M

Valuation Ratios

The trailing PE ratio is 9.62 and the forward PE ratio is 9.39.

PE Ratio 9.62
Forward PE 9.39
PS Ratio 3.45
Forward PS n/a
PB Ratio 1.12
P/TBV Ratio 1.49
P/FCF Ratio 10.72
P/OCF Ratio 10.55
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 18.13
EV / Sales 6.49
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 20.17

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 10.78
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 12.32%.

Return on Equity (ROE) 12.32%
Return on Assets (ROA) 1.33%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 3.16%
Revenue Per Employee $283,351
Profits Per Employee $101,360
Employee Count405
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, CZFS has paid $9.44 million in taxes.

Income Tax 9.44M
Effective Tax Rate 18.69%

Stock Price Statistics

The stock price has increased by +53.96% in the last 52 weeks. The beta is 0.38, so CZFS's price volatility has been lower than the market average.

Beta (5Y) 0.38
52-Week Price Change +53.96%
50-Day Moving Average 72.15
200-Day Moving Average 63.93
Relative Strength Index (RSI) 65.98
Average Volume (20 Days) 33,382

Short Selling Information

The latest short interest is 51,466, so 1.07% of the outstanding shares have been sold short.

Short Interest 51,466
Short Previous Month 54,139
Short % of Shares Out 1.07%
Short % of Float 1.16%
Short Ratio (days to cover) 3.47

Income Statement

In the last 12 months, CZFS had revenue of $114.76 million and earned $41.05 million in profits. Earnings per share was $8.55.

Revenue114.76M
Gross Profit 114.76M
Operating Income 51.56M
Pretax Income 50.49M
Net Income 41.05M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $8.55
Full Income Statement

Balance Sheet

The company has $49.51 million in cash and $397.97 million in debt, with a net cash position of -$348.46 million or -$72.45 per share.

Cash & Cash Equivalents 49.51M
Total Debt 397.97M
Net Cash -348.46M
Net Cash Per Share -$72.45
Equity (Book Value) 352.83M
Book Value Per Share 73.37
Working Capital -2.33B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $37.53 million and capital expenditures -$628,000, giving a free cash flow of $36.91 million.

Operating Cash Flow 37.53M
Capital Expenditures -628,000
Depreciation & Amortization n/a
Net Borrowing 80.29M
Free Cash Flow 36.91M
FCF Per Share $7.67
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 44.93%
Pretax Margin 44.00%
Profit Margin 35.77%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 32.16%

Dividends & Yields

This stock pays an annual dividend of $2.04, which amounts to a dividend yield of 2.48%.

Dividend Per Share $2.04
Dividend Yield 2.48%
Dividend Growth (YoY) 2.79%
Years of Dividend Growth 4
Payout Ratio 23.51%
Buyback Yield 0.03%
Shareholder Yield 2.51%
Earnings Yield 10.37%
FCF Yield 9.32%
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 3