Citizens Financial Services, Inc. (CZFS) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
13.26
-3% vs avg
5yr avg: 13.66
30Y Low3.2·High22.8
P/FCF
↑
9.27
+4% vs avg
5yr avg: 8.94
30Y Low5.9·High30.2
P/B Ratio
↓
0.96
↓-11% vs avg
5yr avg: 1.09
30Y Low0.8·High2.0
ROE
↓
11.5%
↓+1% vs avg
5yr avg: 11.4%
30Y Low7%·High18%
Debt/EBITDA
↑
6.86
↓-8% vs avg
5yr avg: 7.49
30Y Low1.1·High13.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CZFS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Citizens Financial Services, Inc. trades at 8.9x earnings, 16% below its 5-year average of 10.6x, sitting at the 29th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 34%. On a free-cash-flow basis, the stock trades at 9.3x P/FCF, roughly in line with the 5-year average of 8.9x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $327M | $274M | $298M | $281M | $301M | $237M | $211M | $215M | $193M | $217M | $175M |
| Enterprise Value | $598M | $545M | $550M | $526M | $527M | $127M | $217M | $267M | $252M | $303M | $230M |
| P/E Ratio → | 8.92 | 7.48 | 10.83 | 15.94 | 10.49 | 8.23 | 8.50 | 11.02 | 10.70 | 16.67 | 13.87 |
| P/S Ratio | 1.89 | 1.58 | 1.77 | 2.02 | 3.24 | 2.77 | 2.58 | 3.05 | 2.99 | 3.83 | 3.44 |
| P/B Ratio | 0.96 | 0.81 | 0.99 | 1.00 | 1.51 | 1.12 | 1.09 | 1.39 | 1.39 | 1.68 | 1.42 |
| P/FCF | 9.27 | 7.77 | 9.35 | 11.74 | 9.54 | 6.31 | 19.40 | 10.08 | 9.19 | 13.98 | 11.23 |
| P/OCF | 8.94 | 7.49 | 8.98 | 10.58 | 9.07 | 6.13 | 17.86 | 9.86 | 8.98 | 13.80 | 10.83 |
P/E links to full P/E history page with 30-year chart
CZFS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Citizens Financial Services, Inc.'s enterprise value stands at 13.3x EBITDA, roughly in line with its 5-year average of 13.7x. The Financial Services sector median is 11.4x, placing the stock at a 16% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.15 | 3.26 | 3.79 | 5.66 | 1.49 | 2.66 | 3.79 | 3.90 | 5.34 | 4.52 |
| EV / EBITDA | 13.26 | 12.09 | 15.49 | 22.83 | 14.41 | 3.49 | 6.90 | 10.96 | 11.54 | 15.74 | 14.40 |
| EV / EBIT | 13.26 | 12.09 | 16.32 | 24.44 | 14.83 | 3.60 | 7.16 | 11.45 | 11.75 | 15.90 | 14.69 |
| EV / FCF | — | 15.47 | 17.25 | 21.99 | 16.66 | 3.38 | 19.99 | 12.54 | 12.00 | 19.51 | 14.75 |
CZFS Profitability
Margins and return-on-capital ratios measuring operating efficiency
Citizens Financial Services, Inc. earns an operating margin of 26.0%, above the Financial Services sector average of 20.3%. Operating margins have expanded from 15.5% to 26.0% over the past 3 years, signaling improving operational efficiency. ROE of 11.5% is modest. ROIC of 5.4% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.3% | 63.3% | 58.2% | 62.2% | 86.1% | 89.9% | 87.1% | 80.5% | 82.2% | 85.2% | 87.1% |
| Operating Margin | 26.0% | 26.0% | 20.0% | 15.5% | 38.1% | 41.3% | 37.2% | 33.1% | 33.2% | 33.6% | 30.8% |
| Net Profit Margin | 21.1% | 21.1% | 16.5% | 12.8% | 31.2% | 34.0% | 30.7% | 27.7% | 28.0% | 23.0% | 24.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.5% | 11.5% | 9.6% | 7.4% | 14.1% | 14.3% | 14.4% | 13.3% | 13.4% | 10.3% | 10.4% |
| ROA | 1.2% | 1.2% | 0.9% | 0.7% | 1.3% | 1.4% | 1.5% | 1.3% | 1.3% | 1.0% | 1.1% |
| ROIC | 5.4% | 5.4% | 4.3% | 3.1% | 7.2% | 9.3% | 8.7% | 7.4% | 6.8% | 6.4% | 6.5% |
| ROCE | 7.0% | 7.0% | 5.5% | 3.9% | 8.9% | 11.6% | 10.9% | 9.3% | 8.6% | 8.1% | 8.0% |
CZFS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Citizens Financial Services, Inc. carries a Debt/EBITDA ratio of 6.9x, which is highly leveraged (61% above the sector average of 4.3x). Net debt stands at $271M ($309M total debt minus $38M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.92 | 0.92 | 0.99 | 1.08 | 1.29 | 0.35 | 0.46 | 0.55 | 0.65 | 0.89 | 0.65 |
| Debt / EBITDA | 6.86 | 6.86 | 8.39 | 13.11 | 7.04 | 2.03 | 2.82 | 3.50 | 4.18 | 5.95 | 4.98 |
| Net Debt / Equity | — | 0.80 | 0.84 | 0.88 | 1.12 | -0.52 | 0.03 | 0.34 | 0.42 | 0.67 | 0.45 |
| Net Debt / EBITDA | 6.02 | 6.02 | 7.09 | 10.64 | 6.16 | -3.02 | 0.20 | 2.15 | 2.70 | 4.46 | 3.44 |
| Debt / FCF | — | 7.70 | 7.90 | 10.25 | 7.12 | -2.92 | 0.59 | 2.46 | 2.81 | 5.53 | 3.52 |
| Interest Coverage | 0.74 | 0.74 | 0.50 | 0.46 | 3.16 | 4.97 | 3.75 | 1.94 | 2.24 | 3.26 | 3.11 |
CZFS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.04x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.21x to 0.04x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.04 | 0.04 | 0.04 | 0.21 | 0.26 | 0.33 | 0.24 | 0.23 | 0.23 | 0.26 | 0.35 |
| Quick Ratio | 0.04 | 0.04 | 0.04 | 0.21 | 0.26 | 0.33 | 0.24 | 0.23 | 0.23 | 0.26 | 0.35 |
| Cash Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.10 | 0.05 | 0.03 | 0.03 | 0.03 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
CZFS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Citizens Financial Services, Inc. returns 3.1% to shareholders annually — split between a 2.9% dividend yield and 0.2% buyback yield. The payout ratio of 26.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 11.2% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 26.1% | 26.1% | 33.4% | 47.7% | 26.1% | 25.4% | 26.0% | 32.4% | 33.9% | 39.7% | 40.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 11.2% | 13.4% | 9.2% | 6.3% | 9.5% | 12.2% | 11.8% | 9.1% | 9.3% | 6.0% | 7.2% |
| FCF Yield | 10.8% | 12.9% | 10.7% | 8.5% | 10.5% | 15.9% | 5.2% | 9.9% | 10.9% | 7.2% | 8.9% |
| Buyback Yield | 0.2% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $5M | $5M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $4M |
Peer Comparison
Compare CZFS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CZFSYou | $327M | 8.9 | 13.3 | 9.3 | 63.3% | 26.0% | 11.5% | 5.4% | 6.9 |
 FXNC | $265M | 15.0 | 6.7 | 12.6 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 FUNC | $277M | 11.3 | 8.0 | 18.0 | 70.2% | 27.3% | 12.8% | 7.1% | 3.5 |
 NKSH | $225M | 14.2 | 11.4 | 14.8 | 65.1% | 22.5% | 9.3% | 8.4% | 0.1 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 PBFS | $429M | 22.5 | 9.4 | 13.3 | 100.0% | 37.3% | 6.3% | 8.1% | — |
 FMNB | $556M | 9.8 | 13.9 | 10.7 | 63.8% | 23.9% | 12.2% | 5.9% | 5.7 |
 MNSB | $176M | 13.6 | 11.5 | 16.5 | 54.4% | 14.0% | 7.3% | 5.0% | 3.7 |
 CHMG | $341M | 22.7 | 14.3 | 7.7 | 64.2% | 14.2% | 6.4% | 5.0% | 0.2 |
 FIS | $20B | 50.9 | 6.4 | 7.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 JACK | $244M | -3.0 | 82.4 | 3.3 | 28.7% | -1.2% | — | -0.6% | 77.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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CZFS — Frequently Asked Questions
Quick answers to the most common questions about buying CZFS stock.
What is Citizens Financial Services, Inc.'s P/E ratio?
Citizens Financial Services, Inc.'s current P/E ratio is 8.9x. The historical average is 11.4x. This places it at the 29th percentile of its historical range.
What is Citizens Financial Services, Inc.'s EV/EBITDA?
Citizens Financial Services, Inc.'s current EV/EBITDA is 13.3x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.1x.
What is Citizens Financial Services, Inc.'s ROE?
Citizens Financial Services, Inc.'s return on equity (ROE) is 11.5%. The historical average is 13.4%.
Is CZFS stock overvalued?
Based on historical data, Citizens Financial Services, Inc. is trading at a P/E of 8.9x. This is at the 29th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Citizens Financial Services, Inc.'s dividend yield?
Citizens Financial Services, Inc.'s current dividend yield is 2.93% with a payout ratio of 26.1%.
What are Citizens Financial Services, Inc.'s profit margins?
Citizens Financial Services, Inc. has 63.3% gross margin and 26.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Citizens Financial Services, Inc. have?
Citizens Financial Services, Inc.'s Debt/EBITDA ratio is 6.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.