CZFS

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Citizens Financial Services, Inc.

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Key Metrics

Previous Close: $80.40
52-Week Range: $52.35 – $84.35
Market Cap: $386.86M
P/E (TTM): 9.44
EPS (TTM): 8.52
Dividend Yield: 2.54%

Advanced Metrics

Price/Book: 1.10
PEG Ratio: —
Return on Equity: 12.32%
Return on Assets: 1.33%
Gross Margin: 0.00%
Operating Margin: 44.54%
Profit Margin: 35.77%
Current Ratio: —
Debt/Equity: —
Total Debt: $397.97M
Free Cash Flow: —
Revenue Growth: 10.00%
Earnings Growth: 20.50%
Enterprise Value: $735.32M

CZFS Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$81.87M	$91.86M	$100.75M	$112.34M
Selling, General & Admin	$28.51M	$36.47M	$41.34M	$41.11M
Pretax Income	$35.49M	$21.57M	$33.88M	$45.24M
Income Tax	$6.43M	$3.76M	$6.07M	$8.67M
Net Income	$29.06M	$17.81M	$27.82M	$36.57M
Diluted EPS	7.10	3.98	5.79	7.62
Diluted Shares	4.09M	4.47M	4.80M	4.80M

CZFS Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$32.27M	$56.89M	$46.02M	$38.11M
Receivables	$7.33M	$11.04M	$10.31M	$10.70M
Total Assets	$2.33B	$2.98B	$3.03B	$3.06B
Long-Term Debt	$257.28M	$271.42M	$272.81M	$293.95M
Total Debt	$257.28M	$283.99M	$280.38M	$293.95M
Total Liabilities	$2.13B	$2.70B	$2.73B	$2.73B
Retained Earnings	$164.92M	$172.97M	$189.44M	$213.62M
Shareholders' Equity	$200.15M	$279.67M	$299.73M	$338.05M
Net Debt	$225.01M	$227.10M	$234.36M	$255.84M

CZFS Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$33.24M	$26.54M	$33.18M	$36.53M
Capital Expenditure	-$1.63M	-$2.62M	-$1.31M	-$1.30M
Free Cash Flow	$31.61M	$23.92M	$31.87M	$35.24M
Depreciation & Amortisation	$1.03M	$1.52M	$1.81M	$2.10M
Stock-Based Compensation	$336.00K	$309.00K	$412.00K	$625.00K
Investing Cash Flow	-$362.45M	$59.47M	-$69.07M	-$40.08M
Financing Cash Flow	$182.59M	-$59.40M	$25.27M	-$4.37M
Dividends Paid	-$7.59M	-$8.50M	-$9.30M	-$9.55M
Share Repurchases	-$1.28M	-$265.00K	-$266.00K	-$545.00K
Net Change in Cash	-$146.62M	$26.61M	-$10.62M	-$7.91M

CZFS Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$27.31M	$28.99M	$29.61M	$29.80M	—
Selling, General & Admin	$10.47M	$10.32M	$9.58M	$10.67M	—
Pretax Income	$10.42M	$12.36M	$13.09M	$12.70M	—
Income Tax	$1.95M	$2.35M	$2.60M	$2.33M	—
Net Income	$8.46M	$10.01M	$10.48M	$10.38M	—
Diluted EPS	1.76	2.09	2.18	2.16	2.12
Diluted Shares	4.80M	4.80M	4.80M	4.80M	4.80M

CZFS Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$40.61M	$53.30M	$34.90M	$38.11M	$36.92M
Receivables	$10.92M	$10.60M	$11.41M	$10.70M	$10.94M
Total Assets	$3.02B	$2.97B	$3.06B	$3.06B	$3.03B
Long-Term Debt	$302.03M	$313.22M	$279.59M	$293.95M	$198.74M
Total Debt	$302.03M	$313.22M	$279.59M	$293.95M	$198.74M
Total Liabilities	$2.71B	$2.65B	$2.73B	$2.73B	$2.68B
Retained Earnings	$194.71M	$197.94M	$205.54M	$213.62M	$221.60M
Shareholders' Equity	$308.30M	$313.65M	$327.68M	$338.05M	$343.58M
Net Debt	$261.42M	$259.92M	$244.69M	$255.84M	$161.81M

CZFS Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$10.95M	$5.98M	$2.88M	$16.73M	$18.02M
Capital Expenditure	-$585.00K	-$495.00K	-$145.00K	-$71.00K	-$125.00K
Free Cash Flow	$10.36M	$5.49M	$2.73M	$16.66M	$17.89M
Depreciation & Amortisation	$449.00K	$472.00K	$493.00K	$690.00K	$470.00K
Investing Cash Flow	-$728.00K	$70.69M	-$103.54M	-$6.50M	$29.94M
Financing Cash Flow	-$15.63M	-$63.98M	$82.26M	-$7.01M	-$49.15M
Dividends Paid	-$2.35M	-$2.39M	-$2.40M	-$2.40M	-$2.40M
Share Repurchases	-$57.00K	-$239.00K	-$77.00K	-$172.00K	-$158.00K
Net Change in Cash	-$5.42M	$12.70M	-$18.41M	$3.22M	-$1.19M

Market Snapshot

About

Citizens Financial Services, Inc. is a bank holding company headquartered in Mansfield, Pennsylvania. The company operates through its wholly-owned subsidiary, First Citizens Community Bank, providing commercial and retail banking services across north-central Pennsylvania. Services include traditional deposit products, commercial and residential lending, wealth management, and insurance services. Citizens Financial Services serves both individual consumers and small to medium-sized businesses in its regional market.