Citizens Financial Services, Inc.

CZFS· NASDAQ· Financials· Banks

$76.53-1.28%

2026-08-03

Financials

Valuation Metrics

Citizens Financial Services, Inc.'s Market Cap is $368M. At end of 2025 it was $274M. Ranked #2914 of 3,112 in US market (top 94%), #1295 of 1,445 on NASDAQ (top 90%), #240 of 249 in Banks (top 96%) by Market Cap.

Investment Metrics(as of 2026-08-03)

Metric	Value	Rank
Size
Market Cap	$368M	US#2,914/3,112 Sec#240/249
Revenue	$175M	US#2,704/3,112 Sec#231/249
Net Income	$39M	US#1,934/3,112 Sec#218/249
Total Assets	$3.03B	US#1,792/3,112 Sec#237/249
Net Assets	$344M	US#2,483/3,112 Sec#234/249
Value
P/E	9.35x	US#207/3,112 Sec#13/249
P/B	1.07x	US#392/3,112 Sec#38/249
PEG	0.26x	US#379/3,112 Sec#35/249
P/S	2.10x	US#1,311/3,112 Sec#48/249
EV/EBITDA	10.78x	US#887/3,112 Sec#100/249
FCF Yield	11.96%	US#367/3,112 Sec#40/249
Profitability
ROE	11.45%	US#1,189/3,112 Sec#88/249
ROA	1.30%	US#1,808/3,112 Sec#78/249
Op. Margin	27.70%	US#536/3,112 Sec#95/249
Revenue Growth	3.13%	US#1,929/3,112 Sec#140/249
Earnings Growth	36.15%	US#686/3,112 Sec#69/249
Financial Health
Debt Ratio	780.87%	US#2,617/3,112 Sec#116/249
Total Debt	$199M	US#2,192/3,112 Sec#179/249
FCF	$44M	US#1,974/3,112 Sec#190/249
Cash	$37M	US#2,704/3,112 Sec#228/249
Current Ratio	0.06x	US#2,974/3,112 Sec#222/249
Net Debt/EBITDA	3.29x	US#1,728/3,112 Sec#172/249
Dividend
Div. Yield	2.61%	US#704/3,112 Sec#91/249
Div. Growth	2.64%	US#1,006/3,112 Sec#145/249
Performance
1Y Return	45.47%	US#886/3,112 Sec#90/249
1M Return	5.98%	US#860/3,112 Sec#82/249
From 52W High	-3.74%	US#419/3,112 Sec#154/249
1Y MDD	-18.98%	US#609/3,112 Sec#174/249
Trading
Volume	16,057 shares	US#3,098/3,112 Sec#248/249
Trading Value	$1M	US#2,998/3,112 Sec#241/249
Per Share
EPS	$7.62	US#371/3,112 Sec#30/249
BPS	$70.48	US#219/3,112 Sec#25/249