CZFS

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Citizens Financial Services, Inc.

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Key Metrics

Previous Close: $79.14
52-Week Range: $52.35 – $84.65
Market Cap: $389.12M
P/E (TTM): 9.46
EPS (TTM): 8.55
Dividend Yield: 2.52%

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: $737.58M

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	$29.71M
Selling, General & Admin	$10.47M	$10.32M	$9.58M	$10.67M	$10.64M
Pretax Income	$10.42M	$12.36M	$13.09M	$12.70M	$12.34M
Income Tax	$1.95M	$2.35M	$2.60M	$2.33M	$2.15M
Net Income	$8.46M	$10.01M	$10.48M	$10.38M	$10.19M
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	$53.30M	$34.90M	$38.11M	$36.92M	$42.75M
Receivables	$10.60M	$11.41M	$10.70M	$10.94M	$10.92M
Total Assets	$2.97B	$3.06B	$3.06B	$3.03B	$3.19B
Long-Term Debt	$313.22M	$279.59M	$293.95M	$198.74M	$394.02M
Total Debt	$313.22M	$279.59M	$293.95M	$198.74M	$394.02M
Total Liabilities	$2.65B	$2.73B	$2.73B	$2.68B	$2.84B
Retained Earnings	$197.94M	$205.54M	$213.62M	$221.60M	$229.33M
Shareholders' Equity	$313.65M	$327.68M	$338.05M	$343.58M	$352.83M
Net Debt	$259.92M	$244.69M	$255.84M	$161.81M	$351.27M

CZFS Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$5.98M	$2.88M	$16.73M	$18.02M	-$89.00K
Capital Expenditure	-$495.00K	-$145.00K	-$71.00K	-$125.00K	-$287.00K
Free Cash Flow	$5.49M	$2.73M	$16.66M	$17.89M	-$376.00K
Depreciation & Amortisation	$472.00K	$493.00K	$690.00K	$470.00K	$444.00K
Investing Cash Flow	$70.69M	-$103.54M	-$6.50M	$29.94M	-$139.51M
Financing Cash Flow	-$63.98M	$82.26M	-$7.01M	-$49.15M	$145.93M
Dividends Paid	-$2.39M	-$2.40M	-$2.40M	-$2.40M	-$2.45M
Share Repurchases	-$239.00K	-$77.00K	-$172.00K	-$158.00K	-$147.00K
Net Change in Cash	$12.70M	-$18.41M	$3.22M	-$1.19M	$6.32M

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.