Citizens Financial Services, Inc.
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)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $414M | US#2,821/3,114 Sec#232/245 |
| Revenue | $133M | US#2,619/3,114 Sec#189/245 |
| Net Income | $41M | US#1,944/3,114 Sec#215/245 |
| Total Assets | $3.19B | US#1,763/3,114 Sec#231/245 |
| Net Assets | $353M | US#2,438/3,114 Sec#230/245 |
| Employees | 389 | US#2,338/3,114 Sec#191/245 |
| Value | ||
| P/E | 10.08x | US#321/3,114 Sec#33/245 |
| P/B | 1.17x | US#554/3,114 Sec#74/245 |
| PEG | 0.34x | US#454/3,114 Sec#44/245 |
| P/S | 3.11x | US#1,720/3,114 Sec#55/245 |
| EV/EBITDA | 15.06x | US#1,479/3,114 Sec#150/245 |
| FCF Yield | 9.22% | US#639/3,114 Sec#95/245 |
| Profitability | ||
| ROE | 11.63% | US#1,190/3,114 Sec#92/245 |
| ROA | 1.29% | US#1,850/3,114 Sec#89/245 |
| Op. Margin | 37.86% | US#327/3,114 Sec#89/245 |
| Revenue Growth | 26.59% | US#478/3,114 Sec#32/245 |
| Earnings Growth | 29.90% | US#691/3,114 Sec#57/245 |
| Financial Health | ||
| Debt Ratio | 804.71% | US#2,620/3,114 Sec#132/245 |
| Total Debt | $394M | US#2,002/3,114 Sec#150/245 |
| FCF | $38M | US#2,070/3,114 Sec#208/245 |
| Cash | $39M | US#2,671/3,114 Sec#214/245 |
| Current Ratio | 12.29x | US#200/3,114 Sec#29/245 |
| Net Debt/EBITDA | 6.95x | US#2,232/3,114 Sec#195/245 |
| Dividend | ||
| Div. Yield | 2.33% | US#802/3,114 Sec#131/245 |
| Div. Growth | 2.64% | US#1,008/3,114 Sec#145/245 |
| Performance | ||
| 1Y Return | 57.15% | US#494/3,114 Sec#29/245 |
| 1M Return | 6.43% | US#974/3,114 Sec#41/245 |
| From 52W High | -2.38% | US#143/3,114 Sec#11/245 |
| 1Y MDD | -14.36% | US#232/3,114 Sec#91/245 |
| Trading | ||
| Volume | 40,025 shares | US#3,079/3,114 Sec#239/245 |
| Trading Value | $3M | US#2,781/3,114 Sec#218/245 |
| Per Share | ||
| EPS | $8.54 | US#363/3,114 Sec#26/245 |
| BPS | $73.43 | US#204/3,114 Sec#21/245 |
Company Info
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.