Citizens Financial Services Inc. logo

Citizens Financial Services Inc.

CZFS | NASDAQ
Chart Builder DCF Calculator
$80.01
-$1.34 (-1.65%)
At close: Sep 21, 2026, 4:00 PM ET
$79.61
-$0.40 (-0.50%)
Pre-market: Sep 22, 2026, 8:29 AM ET
TTM
Period Ending
Q2 2026
Jun 29, 2026
Q1 2026
Mar 30, 2026
Q4 2025
Dec 30, 2025
Q3 2025
Sep 29, 2025
Q2 2025
Jun 29, 2025
Q1 2025
Mar 30, 2025
Q4 2024
Dec 30, 2024
Q3 2024
Sep 29, 2024
Q2 2024
Jun 29, 2024
Q1 2024
Mar 30, 2024
Q4 2023
Dec 30, 2023
Q3 2023
Sep 29, 2023
Q2 2023
Jun 29, 2023
Q1 2023
Mar 30, 2023
Q4 2022
Dec 30, 2022
Q3 2022
Sep 29, 2022
Q2 2022
Jun 29, 2022
Q1 2022
Mar 30, 2022
Q4 2021
Dec 30, 2021
Q3 2021
Sep 29, 2021
Q2 2021
Jun 29, 2021
Q1 2021
Mar 30, 2021
Revenue
168.37M 174.77M 173.44M 172.1M 170.43M 169.26M 168.62M 167.49M 165.39M 153.24M 138.72M 123.39M 107.51M 100.13M 93.1M 87.45M 84.17M 83.24M 85.52M 86.88M 87.61M 87.06M
Cost of Revenue
60.38M 61.57M 63.54M 65.02M 66.57M 69.33M 70.45M 70.39M 67.98M 63.12M 52.39M 40.84M 29.74M 18.13M 12.91M 9.23M 7.72M 7.95M 8.66M 9.79M 10.1M 10.16M
Gross Profit
57.53M 113.2M 109.9M 107.07M 103.86M 99.93M 98.17M 97.1M 97.41M 90.13M 86.34M 82.54M 77.77M 82M 80.19M 78.22M 76.45M 75.28M 76.87M 77.1M 77.51M 76.9M
Operating Income
25.3M 48.41M 45.09M 41.7M 38.59M 34.56M 33.68M 33.36M 33.26M 21.54M 21.52M 21.99M 22.04M 35.76M 35.5M 34.29M 33.74M 33.45M 35.32M 35.61M 36.73M 35.03M
Interest Income
118.08M 196.69M 195M 193.27M 154.65M 153.82M 152.77M 151.45M 149.46M 138.45M 125.71M 111.69M 96.98M 89.8M 82.73M 77.07M 73.72M 72.38M 72.84M 72.71M 72.74M 72.86M
Pretax Income
50.34M 48.41M 45.09M 41.7M 38.59M 34.56M 33.68M 33.36M 33.26M 21.54M 21.52M 21.99M 22.04M 35.76M 35.5M 34.29M 33.74M 33.45M 35.32M 35.61M 36.73M 35.03M
Net Income
41.05M 39.33M 36.57M 34.07M 31.6M 28.42M 27.82M 27.38M 27.39M 17.97M 17.81M 18.15M 18.14M 29.19M 29.06M 28.13M 27.65M 27.4M 29.12M 29.4M 30.34M 29.04M
Selling & General & Admin
30.98M 40.15M 50.34M 49.47M 40.84M 41.27M 41.34M 41.08M 41.19M 39.3M 36.47M 33.71M 30.42M 29.44M 28.51M 28.13M 27.73M 27.08M 26.42M 26.61M 26.15M 25.57M
Research & Development
n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Other Expenses
18.2M 24.65M 14.47M 15.91M 24.43M 24.1M 23.14M 22.66M 22.96M 29.28M 28.36M 26.84M 25.3M 16.8M 16.18M 15.8M 14.98M 14.75M 15.13M 14.88M 14.63M 16.3M
Operating Expenses
49.17M 64.79M 64.81M 65.38M 65.27M 65.37M 64.48M 63.74M 64.15M 68.59M 64.82M 60.55M 55.72M 46.24M 44.69M 43.93M 42.71M 41.83M 41.55M 41.49M 40.78M 41.87M
Interest Expense
58.03M 59.32M 61.17M 63.15M 65.4M 66.9M 67.86M 67.6M 64.52M 56.81M 46.86M 35.26M 23.91M 16.7M 11.22M 7.8M 6.62M 6.8M 7.11M 7.34M 7.5M 7.51M
Selling & Marketing Expenses
n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Cost & Expenses
109.55M 126.36M 128.36M 130.4M 131.85M 134.7M 134.93M 134.12M 132.13M 131.7M 117.21M 101.39M 85.47M 64.37M 57.6M 53.16M 50.43M 49.79M 50.21M 51.27M 50.88M 52.03M
Income Tax Expense
9.29M 9.09M 8.52M 7.62M 6.98M 6.14M 5.87M 5.99M 5.87M 3.57M 3.7M 3.85M 3.9M 6.57M 6.44M 6.16M 6.09M 6.06M 6.2M 6.21M 6.39M 5.99M
Shares Outstanding (Basic)
4.8M 4.8M 4.8M 4.8M 4.8M 4.75M 4.75M 4.75M 4.84M 4.75M 4.79M 4.75M 4.11M 4.01M 4.05M 4.05M 4.05M 4.06M 4.06M 4.03M 4.02M 4.07M
Shares Outstanding (Diluted)
4.8M 4.8M 4.8M 4.8M 4.8M 4.75M 4.75M 4.75M 4.85M 4.75M 4.79M 4.75M 4.11M 4.01M 4.05M 4.05M 4.05M 4.06M 4.06M 4.03M 4.03M 4.07M
EPS (Basic)
8.57 8.20 7.63 7.10 6.58 5.91 5.78 5.69 5.71 3.62 3.87 4.25 4.52 7.23 7.18 6.94 6.83 6.77 7.19 7.26 7.47 7.16
EPS (Diluted)
8.55 8.19 7.61 7.09 6.57 5.90 5.78 5.69 5.71 3.62 3.87 4.25 4.52 7.23 7.18 6.94 6.83 6.77 7.19 7.26 7.47 7.16
EBITDA
63.92M 49.13M 45.78M 42.12M 40.36M 36.31M 35.49M 35.24M 35.21M 23.3M 23.04M 23.27M 23.09M 36.79M 36.53M 35.34M 34.8M 34.54M 36.43M 35.27M 36.43M 34.73M
EBIT
38M 48.41M 45.09M 41.7M 38.59M 34.56M 33.68M 33.36M 33.26M 21.54M 21.52M 21.99M 22.04M 35.76M 35.5M 34.29M 33.74M 33.45M 35.32M 35.61M 36.73M 35.03M
Depreciation & Amortization
-231K 711K 690K 425K 1.77M 1.76M 1.81M 1.88M 1.95M 1.76M 1.52M 1.28M 1.04M 1.04M 1.03M 1.05M 1.07M 1.09M 1.11M -334K -301K -296K

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