Citizens Financial Services Inc.

CZFS | NASDAQ

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$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

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $390.88M

Enterprise Value $449.27M

Beta 0.38

Average Volume 19.42K

Shares Outstanding (Diluted) 4.8M

Shares Change YoY 0.02%

Institutional Ownership 29.16%

Exchange NASDAQ

ISIN US1746151042

Price Performance

Price Change 1M -2.8%

Price Change 3M 15.1%

Price Change 6M 36.0%

Price Change YTD 43.8%

Price Change 1Y 27.6%

Price Change 3Y 66.0%

Price Change 5Y 35.4%

1M CAGR (ann.) -0.5%

1Y CAGR (ann.) 35.7%

5Y CAGR (ann.) 10.0%

All-Time CAGR 12.0%

Valuation

PE Ratio 9.36

Forward PE 9.24

PEG Ratio 0.31

Forward PEG 7.51

PS Ratio 2.28

Forward PS 3.10

PB Ratio 1.12

P/FCF Ratio 8.74

P/Adj. FCF Ratio 8.74

P/OCF Ratio 10.23

EV/Sales 2.67

EV/EBIT 11.82

EV/EBITDA 7.03

EV/FCF 10.21

Earnings Yield 10.7%

FCF Yield 11.4%

Adj. FCF Yield 11.4%

Financial Health

Net Debt $64.83M

Total Debt $198.74M

Cash & Short-Term Investments $133.91M

Total Assets $3.03B

Current Ratio 12.29

Quick Ratio 12.29

Debt / Equity Ratio 1.12

Debt / EBITDA 3.11

Debt / FCF 4.52

OCF / Debt 0.22

Interest Coverage 0.87

Altman Z-Score 0.30

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 65.9%

Operating Profit Margin 15.0%

EBITDA Margin 29.0%

Net Profit Margin 23.3%

FCF Margin 26.1%

Adj. FCF Margin 26.1%

SBC / Revenue 0.1%

SBC Impact (per share) N/A

Returns

Return on Assets 1.3%

Return on Equity 12.1%

Return on Invested Capital 1.3%

Return on Capital Employed 1.6%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 16.1%

Revenue CAGR 5Y 14.0%

Revenue CAGR 10Y 13.7%

EPS CAGR 3Y 23.7%

EPS CAGR 5Y 2.7%

EPS CAGR 10Y 10.3%

FCF CAGR 3Y 13.8%

FCF CAGR 5Y 17.3%

FCF CAGR 10Y 14.3%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $118.94

Graham Upside 48.7%

Lynch Fair Value $42.75

Lynch Upside -46.6%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow $43.61M

Free Cash Flow $44M

Adj. Free Cash Flow $44M

FCF Per Share $7.95

OCF Per Share $7.82

OCF/S Ratio 21.3%

Income Statement

Revenue $168.37M

Gross Profit $57.53M

Operating Income $25.3M

EBITDA $63.92M

Net Income $41.05M

EPS (Diluted) $8.55

Revenue / Employee $432.83K

Profit / Employee $105.53K

Employees 389

Dividends

Annual Dividend $2.02

Dividend Yield 2.52%

Payout Ratio 23.6%

FCF Payout Ratio 21.8%

Adj. FCF Payout Ratio 21.8%

Dividend Growth (YoY) 2.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 10, 2026