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Citizens Financial Services, Inc.

CZFS· NASDAQ
$86.10+0.88%
2026-11-02

Financials

Valuation Metrics

Citizens Financial Services, Inc.'s Market Cap is $414M. At end of 2025 it was $274M. Ranked #2821 of 3,114 in US market (top 91%), #1245 of 1,469 on NASDAQ (top 85%), #232 of 245 in Banks (top 95%) by Market Cap.

Investment Metrics(as of 2026-11-02)

MetricValue
Size
Market Cap$414M
Revenue$133M
Net Income$41M
Total Assets$3.19B
Net Assets$353M
Employees389
Value
P/E10.08x
P/B1.17x
PEG0.34x
P/S3.11x
EV/EBITDA15.06x
FCF Yield9.22%
Profitability
ROE11.63%
ROA1.29%
Op. Margin37.86%
Revenue Growth26.59%
Earnings Growth29.90%
Financial Health
Debt Ratio804.71%
Total Debt$394M
FCF$38M
Cash$39M
Current Ratio12.29x
Net Debt/EBITDA6.95x
Dividend
Div. Yield2.33%
Div. Growth2.64%
Performance
1Y Return57.15%
1M Return6.43%
From 52W High-2.38%
1Y MDD-14.36%
Trading
Volume40,025 shares
Trading Value$3M
Per Share
EPS$8.54
BPS$73.43

Company Info

CEO Randall E. Black
Employees 389
HQ Mansfield, US

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, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.