Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Citizens Financial Services, Inc.'s quarterly P/E stands at 6.5x, down 30.7% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 23.6% YoY to 10.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.39 | 6.54 | 7.21 | 8.34 | 9.09 | 9.44 | 9.26 | 10.11 | 8.26 | 10.10 | 7.39 | — | 11.86 |
| — | -30.7% | -22.2% | -17.5% | +10.1% | -6.6% | +25.4% | — | -30.3% | +5.8% | -19.3% | — | +27.7% | |
| P/S Ratio | 1.77 | 1.54 | 1.64 | 1.66 | 1.61 | 1.73 | 1.63 | 1.28 | 1.37 | 1.81 | 1.38 | 2.58 | 2.98 |
| — | -10.9% | +0.7% | +29.6% | +17.5% | -4.6% | +17.8% | -50.3% | -54.0% | -35.9% | -50.9% | -18.6% | -3.6% | |
| P/B Ratio | 0.91 | 0.81 | 0.88 | 0.90 | 0.89 | 0.99 | 0.93 | 0.74 | 0.81 | 1.09 | 0.85 | 1.14 | 1.52 |
| — | -18.6% | -4.6% | +21.7% | +9.3% | -8.6% | +9.0% | -35.3% | -46.8% | -27.7% | -41.1% | -19.2% | +23.5% | |
| P/FCF | 8.72 | 4.54 | 18.29 | 12.84 | 6.59 | 7.43 | 12.35 | 18.27 | 4.29 | 4.78 | 7.91 | — | 7.96 |
| — | -38.9% | +48.1% | -29.7% | +53.8% | +55.4% | +56.1% | — | -46.2% | -46.5% | +3.5% | — | +52.6% | |
| EV / EBITDA | 12.83 | 10.53 | 11.67 | 12.44 | 13.60 | 13.78 | 12.08 | 18.41 | 13.31 | 14.13 | 12.74 | — | 16.61 |
| — | -23.6% | -3.4% | -32.4% | +2.2% | -2.4% | -5.2% | — | -19.9% | +6.9% | -4.7% | — | +190.7% | |
| EV / EBIT | 12.83 | 10.53 | 10.80 | 13.00 | 14.25 | 14.40 | 12.64 | 19.73 | 14.09 | 14.89 | 13.43 | — | 17.13 |
| — | -26.8% | -14.5% | -34.1% | +1.2% | -3.3% | -5.9% | — | -17.7% | +9.8% | -2.3% | — | +190.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Citizens Financial Services, Inc.'s operating margin was 29.1% in Q4 2025, up 1.1 pp QoQ and up 7.0 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 25.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 7.4% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.3% | 65.3% | 64.6% | 62.6% | 60.8% | 60.8% | 59.6% | 54.9% | 57.5% | 59.9% | 63.4% | 52.8% | 74.2% |
| — | +7.4% | +8.5% | +14.1% | +5.7% | +1.5% | -6.1% | +4.0% | -22.5% | -25.2% | -25.4% | -41.5% | -18.5% | |
| Operating Margin | 26.0% | 29.1% | 28.0% | 24.6% | 22.1% | 22.1% | 21.8% | 15.5% | 20.3% | 22.0% | 22.7% | -18.3% | 31.1% |
| — | +31.4% | +28.6% | +58.5% | +8.6% | +0.8% | -3.9% | +184.5% | -34.5% | -39.6% | -39.7% | -147.5% | -23.4% | |
| Net Margin | 21.1% | 23.6% | 22.7% | 20.0% | 18.0% | 18.5% | 17.8% | 12.8% | 16.8% | 18.0% | 18.7% | -14.2% | 25.2% |
| — | +27.3% | +27.8% | +56.0% | +6.9% | +3.1% | -5.1% | +189.8% | -33.2% | -39.2% | -39.3% | -144.8% | -24.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.5% | 3.1% | 3.1% | 2.7% | 2.5% | 2.7% | 2.6% | 1.9% | 2.5% | 2.8% | 2.9% | -1.7% | 3.3% |
| — | +18.0% | +21.1% | +46.8% | +0.3% | -4.0% | -10.3% | +206.6% | -24.8% | -30.9% | -26.5% | -150.1% | +2.3% | |
| ROA | 1.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | -0.2% | 0.3% |
| — | +29.8% | +31.7% | +57.3% | +5.9% | +3.8% | -2.2% | +213.4% | -19.0% | -24.4% | -22.0% | -150.5% | -5.7% | |
| ROIC | 5.4% | 1.5% | 1.5% | 1.3% | 1.2% | 1.3% | 1.2% | 0.8% | 1.1% | 1.2% | 1.2% | -0.7% | 1.3% |
| — | +21.8% | +24.7% | +56.5% | +4.8% | +6.5% | +1.9% | +209.2% | -16.2% | -25.6% | -35.2% | -133.9% | -40.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Citizens Financial Services, Inc.'s Debt/EBITDA ratio is 23.9x — elevated, raising questions about debt serviceability. The current ratio has weakened 17.4% YoY to 0.04x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.92 | 0.92 | 0.85 | 1.00 | 0.98 | 0.99 | 0.78 | 1.17 | 1.00 | 1.08 | 1.20 | 1.21 | 1.35 |
| — | -7.8% | +10.0% | -14.6% | -2.3% | -8.0% | -35.5% | -3.3% | -25.7% | -16.0% | -11.0% | +113.3% | +301.5% | |
| Debt / EBITDA | 6.86 | 23.92 | 24.44 | 28.77 | 30.74 | 29.86 | 23.96 | 48.90 | 31.51 | 31.07 | 32.80 | — | 32.96 |
| — | -19.9% | +2.0% | -41.2% | -2.4% | -3.9% | -27.0% | — | -4.4% | +20.3% | +19.7% | — | +309.4% | |
| Current Ratio | 0.04 | 0.04 | 0.05 | 0.06 | 0.04 | 0.04 | 0.19 | 0.20 | 0.19 | 0.21 | 0.20 | 0.22 | 0.27 |
| — | -17.4% | -74.3% | -72.3% | -79.1% | -79.2% | -5.9% | -8.0% | -27.4% | -20.6% | -20.8% | -17.9% | -14.8% | |
| Quick Ratio | 0.04 | 0.04 | 0.05 | 0.06 | 0.04 | 0.04 | 0.19 | 0.20 | 0.19 | 0.21 | 0.20 | 0.22 | 0.27 |
| — | -17.4% | -74.3% | -72.3% | -79.1% | -79.2% | -5.9% | -8.0% | -27.4% | -20.6% | -20.8% | -17.9% | -14.8% | |
| Interest Coverage | 0.74 | 0.87 | 0.82 | 0.69 | 0.59 | 0.56 | 0.53 | 0.38 | 0.50 | 0.55 | 0.64 | -0.60 | 1.21 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Citizens Financial Services, Inc.'s current P/E is 8.4x. The average P/E over the last 4 quarters is 7.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens Financial Services, Inc.'s current operating margin is 26.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citizens Financial Services, Inc.'s business trajectory between earnings reports.