Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.49 | 7.92 | 8.54 | 7.08 | 6.54 | 7.21 | 8.34 | 9.09 | 9.44 | 9.26 | 10.21 | 8.26 | 10.10 | 7.39 | — | 11.86 | 9.55 | 9.16 | 9.93 | 9.28 | 8.53 |
| — | +9.9% | +2.4% | -22.2% | -30.7% | -22.2% | -18.3% | +10.1% | -6.6% | +25.4% | — | -30.3% | +5.8% | -19.3% | — | +27.7% | +12.0% | +6.7% | +7.2% | +36.1% | +13.9% | |
| P/S Ratio | 3.39 | 3.03 | 2.93 | 2.46 | 2.31 | 2.49 | 2.58 | 2.61 | 2.87 | 2.78 | 2.19 | 2.31 | 3.00 | 2.14 | 3.72 | 4.01 | 3.49 | 3.20 | 3.44 | 3.35 | 3.06 |
| — | +21.5% | +13.5% | -5.7% | -19.5% | -10.4% | +17.8% | +13.1% | -4.4% | +30.1% | -41.1% | -42.5% | -13.9% | -33.2% | +8.1% | +19.9% | +14.0% | +2.8% | +5.5% | +19.8% | +15.6% | |
| P/B Ratio | 1.21 | 1.07 | 0.99 | 0.85 | 0.81 | 0.88 | 0.90 | 0.89 | 1.00 | 0.93 | 0.75 | 0.81 | 1.09 | 0.85 | 1.14 | 1.52 | 1.51 | 1.44 | 1.41 | 1.23 | 1.12 |
| — | +21.8% | +9.7% | -4.5% | -19.4% | -5.6% | +19.3% | +10.4% | -7.7% | +10.1% | -34.0% | -46.8% | -27.7% | -41.1% | -19.2% | +23.5% | +35.0% | +24.3% | +17.1% | +6.2% | -0.1% | |
| P/FCF | 10.23 | 16.64 | — | 4.10 | 4.11 | 18.28 | 12.84 | 6.66 | 7.51 | 12.47 | 18.63 | 4.29 | 4.78 | 7.91 | — | 7.96 | 8.95 | 7.65 | 31.46 | 5.22 | 9.47 |
| — | -9.0% | — | -38.4% | -45.3% | +46.6% | -31.1% | +55.3% | +56.9% | +57.6% | — | -46.2% | -46.5% | +3.5% | — | +52.6% | -5.6% | +32.3% | +292.3% | +19.1% | +144.7% | |
| EV / EBITDA | 12.51 | 14.83 | 13.74 | 8.64 | 9.89 | 10.39 | 12.44 | 13.60 | 13.86 | 12.15 | 18.56 | 13.31 | 14.13 | 12.74 | — | 16.61 | 13.21 | 13.37 | 10.33 | 5.71 | 3.62 |
| — | +42.8% | +10.4% | -36.5% | -28.6% | -14.6% | -33.0% | +2.2% | -1.9% | -4.6% | — | -19.9% | +6.9% | -4.7% | — | +190.7% | +264.7% | +130.2% | +54.7% | +55.1% | -50.6% | |
| EV / EBIT | 15.06 | 14.83 | 14.23 | 8.96 | 10.41 | 10.80 | 13.00 | 14.25 | 14.47 | 12.71 | 19.90 | 14.09 | 14.89 | 13.43 | — | 17.13 | 13.56 | 13.74 | 10.65 | 5.90 | 3.74 |
| — | +37.3% | +9.4% | -37.1% | -28.1% | -15.0% | -34.6% | +1.1% | -2.8% | -5.3% | — | -17.7% | +9.8% | -2.3% | — | +190.4% | +262.8% | +129.3% | +54.1% | +55.7% | -41.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.9% | 100.0% | 98.3% | 98.3% | 98.3% | 98.3% | 97.3% | 97.6% | 100.0% | 100.8% | 91.9% | 96.8% | 99.2% | 98.2% | 76.0% | 100.0% | 98.8% | 96.6% | 97.8% | 98.7% | 100.0% |
| — | +1.8% | +1.1% | +0.7% | -1.7% | -2.5% | +5.9% | +0.8% | +0.8% | +2.7% | +20.9% | -3.2% | +0.4% | +1.6% | -22.3% | +1.4% | -1.2% | -1.3% | +0.4% | +1.9% | +4.6% | |
| Operating Margin | 40.2% | 46.7% | 41.5% | 42.6% | 44.2% | 42.6% | 38.1% | 35.7% | 36.4% | 36.9% | 25.9% | 34.2% | 36.4% | 35.1% | -26.4% | 41.8% | 44.9% | 42.7% | 41.8% | 43.9% | 43.8% |
| — | +9.5% | +8.9% | +19.5% | +21.4% | +15.6% | +47.1% | +4.2% | +0.0% | +5.1% | +198.2% | -18.2% | -18.9% | -17.8% | -163.1% | -4.7% | +2.4% | -3.9% | -2.2% | -9.9% | +2.3% | |
| Net Margin | 32.6% | 38.3% | 34.3% | 34.8% | 35.4% | 34.5% | 31.0% | 28.8% | 30.5% | 30.0% | 21.4% | 28.3% | 29.8% | 29.0% | -20.5% | 33.9% | 36.4% | 35.0% | 34.4% | 36.1% | 35.8% |
| — | +10.9% | +10.7% | +20.7% | +16.3% | +14.8% | +44.7% | +1.9% | +2.4% | +3.8% | +204.4% | -16.6% | -18.4% | -17.3% | -159.5% | -6.0% | +1.7% | -3.6% | -2.0% | -11.9% | +1.7% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.5% | 3.4% | 2.9% | 3.0% | 3.1% | 3.1% | 2.7% | 2.5% | 2.7% | 2.6% | 1.9% | 2.5% | 2.8% | 2.9% | -1.7% | 3.3% | 4.0% | 3.9% | 3.5% | 3.2% | 3.3% |
| — | +8.5% | +7.5% | +21.4% | +18.0% | +21.1% | +46.8% | +0.3% | -4.0% | -10.3% | +206.6% | -24.8% | -30.9% | -26.5% | -150.1% | +2.3% | +22.1% | +14.2% | +5.2% | -24.6% | -12.6% | |
| ROA | 1.2% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | -0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% |
| — | +8.7% | +15.8% | +35.0% | +29.8% | +31.7% | +57.3% | +5.9% | +3.8% | -2.2% | +213.4% | -19.0% | -24.4% | -22.0% | -150.5% | -5.7% | +1.5% | -5.2% | -5.4% | -28.4% | -14.0% | |
| ROIC | 5.4% | 1.4% | 1.4% | 1.6% | 1.6% | 1.5% | 1.3% | 1.2% | 1.3% | 1.2% | 0.8% | 1.1% | 1.2% | 1.2% | -0.7% | 1.3% | 1.6% | 1.8% | 2.2% | 2.2% | 2.2% |
| — | -9.9% | +13.7% | +36.8% | +23.2% | +24.7% | +56.5% | +5.4% | +6.5% | +1.9% | +209.2% | -16.2% | -25.6% | -35.2% | -133.9% | -40.0% | -27.9% | -17.0% | +5.4% | -17.0% | -3.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.92 | 1.46 | 1.12 | 0.58 | 0.92 | 0.85 | 1.00 | 0.98 | 0.99 | 0.78 | 1.17 | 1.00 | 1.08 | 1.20 | 1.21 | 1.35 | 1.29 | 1.35 | 0.57 | 0.34 | 0.35 |
| — | +71.0% | +11.8% | -41.0% | -7.8% | +10.0% | -14.6% | -2.3% | -8.0% | -35.5% | -3.3% | -25.7% | -16.0% | -11.0% | +113.3% | +301.5% | +269.2% | +261.4% | +18.4% | -22.4% | -23.9% | |
| Debt / EBITDA | 6.56 | 35.24 | 30.82 | 15.09 | 22.46 | 21.75 | 28.77 | 30.59 | 29.86 | 23.96 | 48.90 | 31.51 | 31.07 | 32.80 | — | 32.96 | 25.83 | 27.39 | 12.79 | 8.05 | 8.43 |
| — | +62.0% | +7.1% | -50.7% | -24.8% | -9.2% | -41.2% | -2.9% | -3.9% | -27.0% | — | -4.4% | +20.3% | +19.7% | — | +309.4% | +206.2% | +212.3% | +9.6% | -3.2% | -27.7% | |
| Current Ratio | 0.04 | — | 12.29 | 0.06 | 0.04 | 0.05 | 0.06 | 0.04 | 0.04 | 0.19 | 0.20 | 0.19 | 0.21 | 0.20 | 0.22 | 0.27 | 0.26 | 0.26 | 0.26 | 0.31 | 0.33 |
| — | — | +22048.3% | +45.6% | -17.4% | -74.3% | -72.3% | -79.1% | -79.2% | -5.9% | -8.0% | -27.4% | -20.6% | -20.8% | -17.9% | -14.8% | -20.7% | -13.1% | -10.0% | +8.0% | +35.7% | |
| Quick Ratio | 0.04 | — | 12.29 | 0.06 | 0.04 | 0.05 | 0.06 | 0.04 | 0.04 | 0.19 | 0.20 | 0.19 | 0.21 | 0.20 | 0.22 | 0.27 | 0.26 | 0.26 | 0.26 | 0.31 | 0.33 |
| — | — | +22048.3% | +45.6% | -17.4% | -74.3% | -72.3% | -79.1% | -79.2% | -5.9% | -8.0% | -27.4% | -20.6% | -20.8% | -17.9% | -14.8% | -20.7% | -13.1% | -10.0% | +8.0% | +35.7% | |
| Interest Coverage | 0.74 | 0.90 | 0.89 | 0.90 | 0.88 | 0.82 | 0.69 | 0.59 | 0.56 | 0.53 | 0.38 | 0.50 | 0.55 | 0.64 | -0.60 | 1.21 | 1.92 | 3.13 | 5.00 | 5.29 | 5.19 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CZFS stock.
Citizens Financial Services, Inc.'s current P/E is 9.5x. The average P/E over the last 4 quarters is 7.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens Financial Services, Inc.'s current operating margin is 40.2%. 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.