CZFS
NASDAQ
US
Citizens Financial Services, Inc. - Common Stock
$63.41
▲ +$1.26
(+2.03%)
Vol 5K
9
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$274.1M
P/E
8.0
ROE
10.9%
Margin
20.6%
D/E
85.32
Beta
0.43
Div Yield
3.51%
52W
$50–$66
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
4
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
Similar Stocks
About Citizens Financial Services, Inc. - Common Stock
Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $2.11 | $2.18 | +$0.07 |
| Sep 2025 | $1.80 | $2.09 | +$0.29 |
| Jun 2025 | $1.64 | $1.76 | +$0.12 |
| Mar 2025 | $1.50 | $1.58 | +$0.08 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $26.2M | $26.4M | $27.3M | $29.0M | $29.6M |
| Net Income | — | $8.0M | $7.6M | $8.5M | $10.0M | $10.5M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 10.4% | 10.4% | 10.4% | 10.9% | 10.9% | 10.9% |
| P/E (TTM) | 8.93 | 8.67 | 9.19 | 7.73 | 7.65 | 8.04 |
| Net Margin | — | 20.6% | 20.6% | 20.6% | 20.6% | 20.6% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 99.86 | 99.86 | 99.86 | 85.32 | 85.32 | 85.32 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.1%
P/S (TTM)
3.10
P/B
1.0
EPS (TTM)
$7.10
CF/Share
$4.69
Rev Growth 3Y
+10.4%
52W High
$66.06
52W Low
$49.96
$49.96
52-Week Range
$66.06
Financial Health
Free Cash Flow
$16.7M
Net Debt
$255.8M
Cash
$38.1M
Total Debt
$294.0M
As of Dec 31, 2025
How does CZFS compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
CZFS valuation vs Banking peers
P/E ratio
8.0
▼
36%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
3.1
▲
34%
above
peers
(2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
1.0
▼
4%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
3.5%
▲
17%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
CZFS profitability vs Banking peers
ROE
10.9%
▲
21%
above
peers
(9.0%)
vs Peers
vs Industry
Below avg
Net margin
20.6%
▼
28%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.1%
▲
19%
above
peers
(1.0%)
vs Peers
vs Industry
Below avg
CZFS financial health vs Banking peers
D/E ratio
85.3
▲
516%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.4
▼
38%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
CZFS fundamentals radar
CZFS
Peer median
Industry
CZFS profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CZFS vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
LANDY ROBERT JOSEPH
Director · Mar 19
20 shs
PAINTER JOHN P II
Director · Mar 06
675 shs
GUILLAUME STEPHEN J
Officer · Feb 27
13 shs
LANDY ROBERT JOSEPH
Director · Jan 12
40 shs
Last 90 days
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As of Dec 31, 2025
Dividends
$1.99
/ year
Mar 13, 2026
$0.5000
Dec 12, 2025
$0.5000
Sep 12, 2025
$0.5000
Jun 13, 2025
$0.4900
Mar 14, 2025
$0.4950
Dec 13, 2024
$0.4900
Sep 13, 2024
$0.4900
Jun 14, 2024
$0.4850
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