Citizens Financial Services Inc.
CZFS | NASDAQ
$80.01
-$1.34 (-1.65%)
At close: Sep 21, 2026, 4:00 PM ET
$80.01
$0 (0.00%)
Pre-market:
Sep 22, 2026, 4:12 AM ET
-1.65%
(1D)Rating
Updated: Aug 31, 2026Key Statistics
Market Data
Market Cap $384.44M
1D Range
79.97 81.30
52W Range
52.35 84.65
Valuation (TTM)
PE 9.36
PB 1.12
EV/EBITDA 7.03
Valuation (NTM)
Forward PE 9.24
Forward PEG 7.51
Price Target N/A
Cash Flow
FCF Yield 11.4%
SBC Adj. FCF Yield 11.4%
SBC Impact N/A
Margins
Gross Margin 65.9%
Operating Margin 15.0%
FCF Margin 26.1%
Growth (CAGR)
Revenue 3Y | 5Y 16.1% |
14.0%
Dil EPS 3Y | 5Y 23.7% |
2.7%
FCF 3Y | 5Y 13.8% |
17.3%
Returns
ROA 1.3%
ROE 12.1%
ROIC 1.3%
Financial Health
Net Debt
$64.83M
Current Ratio 12.29
Interest Coverage 0.87
Dividends
Div Yield 2.52%
Payout Ratio 23.6%
FCF Payout Ratio 21.8%
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Profile
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele,...
Sector Financial Services
Industry Banks - Regional
Employees 389
IPO Date Jan 3, 1999
Website www.firstcitizensbank.com
Fiscal Year January - December
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