CITIZENS FINANCIAL SERVICES INC CZFS

Latest FY: 2025 Financial Services Banks - Regional
Market Price $82.22
Market Cap $395.06M
P/E Ratio 10.79
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑10.3% YoY
$112.34M
3-Yr CAGR: 11.1%
Net Income ↑31.5% YoY
$36.57M
Net Margin: 32.6%
Free Cash Flow ↑10.6% YoY
$35.25M
FCF Yield: 8.92%
EPS (Diluted) ↑30.3% YoY
$7.62
Basic: $7.62
Return on Equity Efficiency
10.8%
ROA: 1.2%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CZFS)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $45.9M $40.8M $12.6M $3.78 $1.66 3.26% $16.2M $16.2M
FY 2017 $50.9M +11.0% $45.1M $13.0M +3.1% $3.74 -1.1% $1.67 2.76% $15.7M $15.7M -2.8%
FY 2018 $54.9M +7.9% $45.3M $18.0M +38.5% $5.14 +37.4% $1.74 3.23% $21.5M $21.5M +36.5%
FY 2019 $58.3M +6.2% $46.3M $19.5M +8.1% $5.53 +7.6% $1.78 2.98% $21.8M $21.8M +1.3%
FY 2020 $73.6M +26.2% $65.5M $25.1M +28.8% $6.59 +19.2% $1.92 3.53% $11.8M $11.8M -45.7%
FY 2021 $78.4M +6.5% $71.3M $29.1M +16.0% $7.38 +12.0% $1.86 3.16% $38.7M $38.7M +227.3%
FY 2022 $81.9M +4.4% $70.6M $29.1M -0.2% $7.32 -0.8% $1.90 2.53% $33.2M $31.6M -18.3%
FY 2023 $91.9M +12.2% $45.0M $17.8M -38.7% $4.06 -44.5% $1.94 3.03% $26.5M $23.9M -24.3%
FY 2024 $101.9M +10.9% $34.0M $27.8M +56.2% $5.85 +44.1% $1.95 3.08% $33.2M $31.9M +33.2%
FY 2025 $112.3M +10.3% $51.2M $36.6M +31.5% $7.62 +30.3% $1.98 3.47% $36.5M $35.2M +10.6%
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Valuation

Market Price $82.22
Market Cap $395.06M
Enterprise Value $360.77M
P/E Ratio 10.79
P/B Ratio 1.17
FCF Yield 8.92%
Dividend Yield 2.41%
Shares Outstanding 4,804,900
%

Profitability & Margins

Gross Margin 45.55%
Operating Margin 40.27%
Net Margin 32.55%
Return on Equity (ROE) 10.82%
Return on Assets (ROA) 1.19%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 11.12%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $34.29M
Total Debt N/A
Book Value / Share $70.36
💧

Cash Flow Efficiency

Operating Cash Flow $36.53M
Capital Expenditures (CapEx) $1.28M
Free Cash Flow $35.25M
OCF / Revenue 32.52%
FCF / Revenue 31.38%
FCF 3-Yr CAGR 3.70%
🏷️

Per Share Metrics

EPS (Diluted) $7.62
EPS (Basic) $7.62
Dividends / Share $1.98
Book Value / Share $70.36
EPS YoY Growth 30.26%
🏛️

Balance Sheet (FY 2025)

Total Assets $3.06B
Total Liabilities $2.73B
Stockholders' Equity $338.05M
Current Assets N/A
Current Liabilities N/A