8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Apr 29, 2026·SEC
Material company update
Apr 22, 2026·SEC
Citizens Financial Services, Inc.(CZFS)Earnings, Financials & Key Ratios
CZFS•NASDAQ•Banking & Credit
$63.90
$307M mkt cap·8.4× P/E·Price updated May 6, 2026
AboutCitizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.Show more
- Net Interest Income$98M+15.4%
- Total Revenue$173M+2.7%
- Net Income$37M+31.5%
- Return on Equity11.47%+19.4%
- Net Interest Margin3.2%+14.0%
- Efficiency Ratio37.3%-2.5%
- ROA1.2%+29.5%
- Equity / Assets11.03%+11.4%
- Book Value per Share70.43+11.7%
- Tangible BV/Share52.10+17.4%
- Debt/Equity0.92-7.8%
CZFS Key Insights
Citizens Financial Services, Inc. (CZFS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 37.3% efficiency ratio
- ✓Well capitalized: 11.0% equity/assets
- ✓Healthy dividend yield of 3.1%
- ✓Trading at only 0.9x book value
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CZFS Price & Volume
Citizens Financial Services, Inc. (CZFS) stock price & volume — 10-year historical chart
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CZFS Growth Metrics
Citizens Financial Services, Inc. (CZFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.93%
5 Years16.22%
3 Years23%
TTM-
Profit CAGR
10 Years12.14%
5 Years7.82%
3 Years7.97%
TTM31.47%
EPS CAGR
10 Years8.5%
5 Years3.98%
3 Years2.38%
TTM31.43%
Return on Capital
10 Years8.18%
5 Years7.38%
3 Years5.46%
Last Year7.03%
CZFS Recent Earnings
Citizens Financial Services, Inc. (CZFS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 7/12 qtrs (100%)
Q2 2026Latest
Apr 29, 2026EPS
$2.16
Est $1.98
+9.1%
Revenue
$30M
Est $29M
+2.4%
Q2 2026
Mar 12, 2026EPS
$2.18
Revenue
$44M
Q1 2026
Jan 30, 2026EPS
$2.18
Est $2.07
+5.3%
Revenue
$30M
Est $29M
+0.7%
Q1 2026
Jan 29, 2026EPS
$2.18
Est $2.07
+5.3%
Revenue
$30M
Est $29M
+0.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $2.16vs $1.98+9.1% | $30Mvs $29M+2.4% |
| Q2 2026 | Mar 12, 2026 | $2.18 | $44M |
| Q1 2026 | Jan 30, 2026 | $2.18vs $2.07+5.3% | $30Mvs $29M+0.7% |
| Q1 2026 | Jan 29, 2026 | $2.18vs $2.07+5.3% | $30Mvs $29M+0.7% |
Based on last 12 quarters of dataView full earnings history →
CZFS Peer Comparison
Citizens Financial Services, Inc. (CZFS) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 FUNC | 243.7M | 37.51 | 11.91 | 16.94% | 12.52% | 1.05 | ||
 NKSH | 233.78M | 36.71 | 14.74 | 7.88% | 9.04% | 0.01 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 PBFS | 366.37M | 14.61 | 19.22 | -10.72% | 6.43% | |||
 FMNB | 558.59M | 14.21 | 9.80 | 0.88% | 12.01% | 0.76 | ||
 MNSB | 175.12M | 23.36 | 13.27 | -1.44% | 7.26% | 0.32 | ||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 |
Compare CZFS vs Peers
Citizens Financial Services, Inc. (CZFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CZFS Income Statement
Citizens Financial Services, Inc. (CZFS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 41.98M | 46.74M | 49.44M | 61.79M | 65.73M | 71.51M | 78.85M | 84.91M | 98M |
| NII Growth % | 11.42% | 11.32% | 5.79% | 24.98% | 6.38% | 8.79% | 10.27% | 7.67% | 15.42% |
| Net Interest Margin % | 3.08% | 3.27% | 3.37% | 3.27% | 3.07% | 3.06% | 2.65% | 2.81% | 3.2% |
| Interest Income | 47.82M | 56.31M | 61.48M | 69.9M | 72.84M | 82.73M | 125.71M | 152.77M | 159.17M |
| Interest Expense | 5.84M | 9.57M | 12.04M | 8.11M | 7.11M | 11.22M | 46.86M | 67.86M | 61.17M |
| Loan Loss Provision | 2.54M | 1.93M | 1.68M | 2.4M | 1.55M | 1.68M | 5.53M | 2.59M | 2.38M |
| Non-Interest Income | 8.93M | 8.18M | 8.88M | 11.82M | 12.68M | 10.36M | 13.01M | 15.85M | 14.08M |
| Non-Interest Income % | 15.73% | 12.69% | 12.62% | 14.46% | 14.83% | 11.13% | 9.38% | 9.4% | 8.13% |
| Total Revenue | 56.75M▲ 0% | 64.49M▲ 13.6% | 70.37M▲ 9.1% | 81.72M▲ 16.1% | 85.52M▲ 4.7% | 93.09M▲ 8.9% | 138.72M▲ 49.0% | 168.62M▲ 21.5% | 173.24M▲ 2.7% |
| Revenue Growth % | 11.48% | 13.65% | 9.11% | 16.13% | 4.66% | 8.86% | 49.01% | 21.55% | 2.75% |
| Non-Interest Expense | 29.31M | 31.56M | 33.34M | 40.85M | 41.55M | 44.69M | 64.82M | 64.48M | 64.61M |
| Efficiency Ratio | 51.66% | 48.93% | 47.38% | 49.99% | 48.58% | 48.01% | 46.73% | 38.24% | 37.3% |
| Operating Income | 19.06M▲ 0% | 21.44M▲ 12.5% | 23.31M▲ 8.7% | 30.37M▲ 30.3% | 35.32M▲ 16.3% | 35.49M▲ 0.5% | 21.52M▼ 39.4% | 33.68M▲ 56.6% | 45.09M▲ 33.9% |
| Operating Margin % | 33.58% | 33.24% | 33.13% | 37.16% | 41.3% | 38.13% | 15.51% | 19.98% | 26.03% |
| Operating Income Growth % | 21.59% | 12.49% | 8.74% | 30.27% | 16.3% | 0.5% | -39.39% | 56.56% | 33.86% |
| Pretax Income | 19.06M▲ 0% | 21.44M▲ 12.5% | 23.31M▲ 8.7% | 30.37M▲ 30.3% | 35.32M▲ 16.3% | 35.49M▲ 0.5% | 21.52M▼ 39.4% | 33.68M▲ 56.6% | 45.09M▲ 33.9% |
| Pretax Margin % | 33.58% | 33.24% | 33.13% | 37.16% | 41.3% | 38.13% | 15.51% | 19.98% | 26.03% |
| Income Tax | 6.03M | 3.4M | 3.82M | 5.26M | 6.2M | 6.43M | 3.7M | 5.87M | 8.52M |
| Effective Tax Rate % | 31.65% | 15.87% | 16.39% | 17.33% | 17.55% | 18.13% | 17.22% | 17.41% | 18.89% |
| Net Income | 13.03M▲ 0% | 18.03M▲ 38.5% | 19.49M▲ 8.1% | 25.1M▲ 28.8% | 29.12M▲ 16.0% | 29.06M▼ 0.2% | 17.81M▼ 38.7% | 27.82M▲ 56.2% | 36.57M▲ 31.5% |
| Net Margin % | 22.95% | 27.96% | 27.7% | 30.72% | 34.05% | 31.22% | 12.84% | 16.5% | 21.11% |
| Net Income Growth % | 3.06% | 38.46% | 8.07% | 28.8% | 15.99% | -0.2% | -38.71% | 56.18% | 31.47% |
| Net Income (Continuing) | 13.03M | 18.03M | 19.49M | 25.1M | 29.12M | 29.06M | 17.81M | 27.82M | 36.57M |
| EPS (Diluted) | 3.49▲ 0% | 4.84▲ 38.7% | 5.26▲ 8.7% | 6.27▲ 19.2% | 7.09▲ 13.1% | 7.10▲ 0.1% | 3.98▼ 43.9% | 5.79▲ 45.5% | 7.62▲ 31.6% |
| EPS Growth % | 3.87% | 38.68% | 8.68% | 19.2% | 13.08% | 0.14% | -43.94% | 45.48% | 31.61% |
| EPS (Basic) | 3.49 | 4.84 | 5.27 | 6.27 | 7.09 | 7.10 | 3.98 | 5.80 | 7.62 |
| Diluted Shares Outstanding | 3.73M | 3.72M | 3.7M | 3.96M | 4.07M | 4.05M | 4.43M | 4.75M | 4.8M |
CZFS Balance Sheet
Citizens Financial Services, Inc. (CZFS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 283.58M | 273.31M | 273.48M | 377.65M | 596.26M | 471.77M | 474.49M | 93.14M | 74.17M |
| Cash & Due from Banks | 28.8M | 32.3M | 32.78M | 82.47M | 183.86M | 32.27M | 56.89M | 46.02M | 38.11M |
| Short Term Investments | 254.78M | 241.01M | 240.71M | 295.19M | 412.4M | 439.51M | 417.6M | 47.12M | 36.05M |
| Total Investments | 1.25B | 1.31B | 1.34B | 1.7B | 1.85B | 2.17B | 2.67B | 2.74B | 2.79B |
| Investments Growth % | 12.56% | 5.31% | 2.46% | 26.58% | 8.6% | 17.21% | 23.31% | 2.58% | 1.88% |
| Long-Term Investments | 990.77M | 1.07B | 1.1B | 1.41B | 1.44B | 1.73B | 2.25B | 2.69B | 2.75B |
| Accounts Receivables | 4.2M | 4.45M | 4.55M | 6M | 5.24M | 7.33M | 11.04M | 10.31M | 10.7M |
| Goodwill & Intangibles | 25.25M | 24.92M | 24.64M | 33.04M | 33M | 32.65M | 89.41M | 88.65M | 87.98M |
| Goodwill | 23.3M | 23.3M | 23.3M | 31.38M | 31.38M | 31.38M | 85.76M | 85.76M | 85.76M |
| Intangible Assets | 1.95M | 1.62M | 1.35M | 1.67M | 1.63M | 1.27M | 3.65M | 2.89M | 2.22M |
| PP&E (Net) | 16.52M | 16.27M | 15.93M | 16.95M | 17.02M | 17.62M | 21.38M | 21.39M | 21M |
| Other Assets | 41.56M | 41.12M | 44.49M | 51.99M | 53.2M | 65.16M | 108.97M | 104.97M | 104.65M |
| Total Current Assets | 287.78M | 277.76M | 278.04M | 383.65M | 601.5M | 479.1M | 485.53M | 103.45M | 84.86M |
| Total Non-Current Assets | 1.07B | 1.15B | 1.19B | 1.51B | 1.54B | 1.85B | 2.49B | 2.92B | 2.98B |
| Total Assets | 1.36B▲ 0% | 1.43B▲ 5.1% | 1.47B▲ 2.5% | 1.89B▲ 29.0% | 2.14B▲ 13.3% | 2.33B▲ 8.8% | 2.98B▲ 27.5% | 3.03B▲ 1.7% | 3.06B▲ 1.3% |
| Asset Growth % | 11.35% | 5.05% | 2.49% | 29.01% | 13.33% | 8.84% | 27.51% | 1.69% | 1.28% |
| Return on Assets (ROA) | 1.01% | 1.29% | 1.35% | 1.5% | 1.44% | 1.3% | 0.67% | 0.93% | 1.2% |
| Accounts Payable | 897K | 1.08M | 1.09M | 1.02M | 711K | 1.23M | 4.3M | 4.69M | 3.13M |
| Total Debt | 114.66M | 91.19M | 85.12M | 88.84M | 73.98M | 257.28M | 302.04M | 297.72M | 309.45M |
| Net Debt | 85.86M | 58.9M | 52.34M | 6.37M | -109.88M | 225.01M | 245.15M | 251.7M | 271.34M |
| Long-Term Debt | 114.66M | 91.19M | 85.12M | 88.84M | 73.98M | 257.28M | 271.42M | 272.81M | 293.95M |
| Short-Term Debt | 0 | 0 | 0 | 62.28M | 0 | 0 | 30.61M | 24.91M | 15.5M |
| Other Liabilities | 12.37M | 14.06M | 14.24M | 18.7M | 20.53M | 30.53M | 67.84M | 41.55M | 36.96M |
| Total Current Liabilities | 1.11B | 1.19B | 1.21B | 1.59B | 1.84B | 1.85B | 2.36B | 2.41B | 2.4B |
| Total Non-Current Liabilities | 127.03M | 105.25M | 99.36M | 107.54M | 94.51M | 287.81M | 339.26M | 314.36M | 330.91M |
| Total Liabilities | 1.23B | 1.29B | 1.31B | 1.7B | 1.93B | 2.13B | 2.7B | 2.73B | 2.73B |
| Total Equity | 129.01M▲ 0% | 139.23M▲ 7.9% | 154.77M▲ 11.2% | 194.26M▲ 25.5% | 212.49M▲ 9.4% | 200.15M▼ 5.8% | 279.67M▲ 39.7% | 299.73M▲ 7.2% | 338.05M▲ 12.8% |
| Equity Growth % | 4.66% | 7.92% | 11.17% | 25.51% | 9.39% | -5.81% | 39.73% | 7.18% | 12.78% |
| Equity / Assets (Capital Ratio) | 9.47% | 9.73% | 10.56% | 10.27% | 9.91% | 8.58% | 9.4% | 9.91% | 11.03% |
| Return on Equity (ROE) | 10.33% | 13.45% | 13.26% | 14.38% | 14.32% | 14.09% | 7.42% | 9.6% | 11.47% |
| Book Value per Share | 34.56 | 37.40 | 41.80 | 49.03 | 52.27 | 49.43 | 63.19 | 63.04 | 70.43 |
| Tangible BV per Share | 27.80 | 30.70 | 35.14 | 40.69 | 44.15 | 41.37 | 42.99 | 44.39 | 52.10 |
| Common Stock | 3.87M | 3.9M | 3.94M | 4.35M | 4.39M | 4.43M | 5.16M | 5.21M | 5.26M |
| Additional Paid-in Capital | 51.11M | 53.1M | 55.09M | 75.91M | 78.39M | 80.91M | 143.23M | 144.98M | 147.97M |
| Retained Earnings | 89.98M | 99.73M | 110.8M | 126.63M | 146.01M | 164.92M | 172.97M | 189.44M | 213.62M |
| Accumulated OCI | -3.4M | -3.92M | -629K | 2.59M | -155K | -33.14M | -24.91M | -23.52M | -12.38M |
| Treasury Stock | -12.55M | -13.58M | -14.43M | -15.21M | -16.15M | -16.97M | -16.79M | -16.38M | -16.42M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CZFS Cash Flow Statement
Citizens Financial Services, Inc. (CZFS) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 15.74M | 21.49M | 21.77M | 11.82M | 38.69M | 33.24M | 26.54M | 33.18M | 36.53M |
| Operating CF Growth % | -2.81% | 36.51% | 1.31% | -45.69% | 227.3% | -14.09% | -20.17% | 25.04% | 10.1% |
| Net Income | 13.03M | 18.03M | 19.49M | 25.1M | 29.12M | 29.06M | 17.81M | 27.82M | 36.57M |
| Depreciation & Amortization | 200K | 387K | 1.04M | 1.14M | 1.11M | 1.03M | 1.52M | 1.81M | 0 |
| Deferred Taxes | 1.45M | -435K | 317K | 367K | 689K | -36K | 595K | 1.77M | 0 |
| Other Non-Cash Items | 675K | 3.27M | 639K | -14.17M | 6.7M | 4.42M | 5.61M | 244K | 1.92M |
| Working Capital Changes | 113K | -77K | -91K | -1.09M | 458K | -1.58M | 696K | 1.13M | -1.95M |
| Cash from Investing | -105.42M | -72.35M | -32.32M | -110.73M | -158.23M | -362.45M | 59.47M | -69.07M | -40.08M |
| Purchase of Investments | -62.91M | -77.86M | -80.55M | -152.72M | -214.91M | -133.24M | -39.37M | -98.02M | 0 |
| Sale/Maturity of Investments | 125.68M | 91.4M | 83.9M | 103.05M | 89.71M | 48.84M | 138.55M | 91.27M | 0 |
| Net Investment Activity | 62.78M | 13.54M | 3.35M | -49.68M | -125.2M | -84.4M | 99.18M | -6.76M | 0 |
| Acquisitions | -4.4M | 0 | 0 | 1.02M | 0 | -1.12M | 3.44M | 7.18M | 0 |
| Other Investing | -163.59M | -85.39M | -35.19M | -61.14M | -31.93M | -275.3M | -40.53M | -68.19M | -40.08M |
| Cash from Financing | 90.45M | 49.15M | 12.28M | 149.1M | 223.66M | 182.59M | -59.4M | 25.27M | -4.37M |
| Dividends Paid | -5.18M | -6.12M | -6.32M | -6.54M | -7.38M | -7.59M | -8.5M | -9.3M | -9.55M |
| Share Repurchases | -979K | -1.48M | -1.29M | -2.12M | -1.37M | -1.28M | -265K | -266K | -545K |
| Stock Issued | 43K | 0 | 0 | 0 | 0 | 112K | 34K | 0 | 68K |
| Net Stock Activity | -936K | -1.48M | -1.29M | -2.12M | -1.37M | -1.17M | -231K | -266K | -477K |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K |
| Other Financing | 61.6M | 80.21M | 25.96M | 169.04M | 247.29M | 8.06M | -56.09M | 60.56M | -5.05M |
| Net Change in Cash | 763K▲ 0% | -1.72M▼ 325.4% | 1.72M▲ 200.2% | 50.19M▲ 2812.8% | 104.13M▲ 107.5% | -146.62M▼ 240.8% | 26.61M▲ 118.1% | -10.62M▼ 139.9% | -7.91M▲ 25.5% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 17.75M | 18.52M | 16.8M | 18.52M | 68.71M | 172.83M | 26.21M | 52.82M | 42.2M |
| Cash at End | 18.52M | 16.8M | 18.52M | 68.71M | 172.83M | 26.21M | 52.82M | 42.2M | 34.29M |
| Interest Paid | 5.66M | 9.39M | 12.03M | 8.18M | 7.41M | 10.7M | 44.68M | 67.47M | 62.73M |
| Income Taxes Paid | 4.55M | 3.05M | 3.3M | 4.75M | 5.5M | 6.6M | 5.1M | 2.5M | 6.59M |
| Free Cash Flow | 15.53M▲ 0% | 20.99M▲ 35.1% | 21.28M▲ 1.4% | 10.88M▼ 48.9% | 37.59M▲ 245.5% | 31.61M▼ 15.9% | 23.92M▼ 24.3% | 31.87M▲ 33.2% | 35.24M▲ 10.6% |
| FCF Growth % | -0.49% | 35.12% | 1.42% | -48.88% | 245.48% | -15.91% | -24.32% | 33.23% | 10.57% |
CZFS Banking Ratios
Citizens Financial Services, Inc. (CZFS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 10.4% | 10.33% | 13.45% | 13.26% | 14.38% | 14.32% | 14.09% | 7.42% | 9.6% | 11.47% |
| Return on Assets (ROA) | 1.06% | 1.01% | 1.29% | 1.35% | 1.5% | 1.44% | 1.3% | 0.67% | 0.93% | 1.2% |
| Net Interest Margin | 3.08% | 3.08% | 3.27% | 3.37% | 3.27% | 3.07% | 3.06% | 2.65% | 2.81% | 3.2% |
| Efficiency Ratio | 56.32% | 51.66% | 48.93% | 47.38% | 49.99% | 48.58% | 48.01% | 46.73% | 38.24% | 37.3% |
| Equity / Assets | 10.08% | 9.47% | 9.73% | 10.56% | 10.27% | 9.91% | 8.58% | 9.4% | 9.91% | 11.03% |
| Book Value / Share | 32.78 | 34.56 | 37.4 | 41.8 | 49.03 | 52.27 | 49.43 | 63.19 | 63.04 | 70.43 |
| NII Growth | 23.08% | 11.42% | 11.32% | 5.79% | 24.98% | 6.38% | 8.79% | 10.27% | 7.67% | 15.42% |
| Dividend Payout | 40.2% | 39.75% | 33.91% | 32.4% | 26.05% | 25.36% | 26.11% | 47.74% | 33.44% | 26.11% |
CZFS SEC Filings & Documents
Citizens Financial Services, Inc. (CZFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
CZFS Frequently Asked Questions
Citizens Financial Services, Inc. (CZFS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Citizens Financial Services, Inc. (CZFS) grew revenue by 2.7% over the past year. Growth has been modest.
Yes, Citizens Financial Services, Inc. (CZFS) is profitable, generating $36.6M in net income for fiscal year 2025 (21.1% net margin).
Dividend & Returns
Yes, Citizens Financial Services, Inc. (CZFS) pays a dividend with a yield of 3.11%. This makes it attractive for income-focused investors.
Citizens Financial Services, Inc. (CZFS) has a return on equity (ROE) of 11.5%. This is reasonable for most industries.
Industry Metrics
Citizens Financial Services, Inc. (CZFS) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Citizens Financial Services, Inc. (CZFS) has an efficiency ratio of 37.3%. This is excellent, indicating strong cost control.
Explore More CZFS
Citizens Financial Services, Inc. (CZFS) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates