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Citizens Financial Services, Inc. Common Stock (CZFS)
Price$64.80
Favorite Metrics
Price vs S&P 500 (26W)11.01%
Price vs S&P 500 (4W)8.36%
Market Capitalization$317.76M
P/E Ratio (Annual)8.69x
Indicated Dividend Yield (Annual)3.03%
All Metrics
P/CF (Annual)8.70x
Book Value / Share (Quarterly)$70.32
P/TBV (Annual)0.82x
Indicated Dividend (Annual)$2.00
Revenue Growth (3Y)10.38%
Cash Flow / Share (Quarterly)$7.33
Payout Ratio (TTM)26.11%
Price vs S&P 500 (YTD)13.28%
Net Profit Margin (TTM)20.59%
EPS (TTM)$7.62
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$7.62
Revenue Growth (5Y)11.63%
EPS (Annual)$7.62
Dividend / Share (Annual)$1.99
ROI (Annual)9.52%
Net Profit Margin (5Y Avg)34.80%
Cash / Share (Quarterly)$9.21
P/E Basic Excl Extra (TTM)8.69x
Revenue Growth QoQ (YoY)68.43%
EPS Growth (5Y)3.54%
P/E Normalized (Annual)8.69x
ROA (Last FY)1.19%
Revenue Growth TTM (YoY)45.73%
EBITD / Share (TTM)$9.86
ROE (5Y Avg)10.94%
Operating Margin (TTM)24.95%
Cash Flow / Share (Annual)$7.33
P/B Ratio0.94x
P/B Ratio (Quarterly)0.81x
Net Income / Employee (Annual)$0
ROA (TTM)1.21%
EPS Growth QoQ (YoY)31.43%
EV / EBITDA (TTM)13.25x
EPS Incl Extra (Annual)$7.62
3-Month Avg Trading Volume0.01M
52-Week Price Return24.79%
EV / Free Cash Flow (Annual)17.80x
P/E Incl Extra (TTM)8.69x
Tangible BV / Share (Quarterly)$69.86
P/S Ratio (Annual)3.33x
52-Week High$69.30
Operating Margin (5Y Avg)42.04%
EPS Excl Extra (Annual)$7.62
CapEx CAGR (5Y)6.63%
Tangible BV CAGR (5Y)11.76%
26-Week Price Return15.00%
13-Week Price Return9.58%
Total Debt / Equity (Annual)0.14x
Enterprise Value$627.205
Revenue / Share Growth (5Y)8.20%
Book Value / Share Growth (5Y)7.68%
Revenue / Employee (Annual)$270,651
Pretax Margin (Annual)43.35%
Cash / Share (Annual)$6.53
3-Month Return Std Dev34.23%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)9.28%
EBITDA Interim CAGR (5Y)9.40%
ROE (Last FY)10.82%
EPS Basic Excl Extra (Annual)$7.62
P/FCF (TTM)9.02x
EV / Free Cash Flow (TTM)17.80x
Total Debt / Equity (Quarterly)0.92x
EPS Incl Extra (TTM)$7.62
ROI (TTM)5.87%
Dividend Growth Rate (5Y)3.18%
P/S Ratio (TTM)3.10x
Pretax Margin (5Y Avg)42.04%
Revenue / Share (Annual)$20.42
Tangible BV / Share (Annual)$69.86
Forward P/E8.46x
Free OCF CAGR (5Y)26.50%
Price vs S&P 500 (52W)-5.04%
P/E Ratio (TTM)8.69x
EPS Growth TTM (YoY)30.91%
Year-to-Date Return15.92%
5-Day Price Return-4.19%
EPS Normalized (Annual)$7.62
ROA (5Y Avg)1.06%
Net Profit Margin (Annual)35.49%
Month-to-Date Return8.09%
Cash Flow / Share (TTM)$4.69
EBITD / Share (Annual)$9.86
EPS Growth (3Y)1.68%
Operating Margin (Annual)43.35%
LT Debt / Equity (Annual)0.08x
P/CF (TTM)8.70x
ROI (5Y Avg)9.26%
P/E Excl Extra (TTM)8.69x
LT Debt / Equity (Quarterly)0.92x
EPS Basic Excl Extra (TTM)$7.62
P/TBV (Quarterly)0.82x
Payout Ratio (Annual)26.11%
P/B Ratio (Annual)0.81x
Dividend / Share (TTM)$1.99
Pretax Margin (TTM)24.95%
Book Value / Share (Annual)$70.32
Price vs S&P 500 (13W)8.89%
Net Margin Growth (5Y)4.42%
Dividend Yield (TTM)3.00%
Beta0.44x
P/FCF (Annual)9.02x
Revenue / Share (TTM)$20.95
ROE (TTM)11.36%
52-Week Low$49.96
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.29
4.29
4.14
4.14
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CZFSCitizens Financial Services, Inc. Common Stock | 0.81x | 11.36% | 1.21% | — | $64.80 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
About
Citizens Financial Services Inc is a Pennsylvania-chartered bank providing comprehensive financial services to individual, business, governmental, and institutional customers. The company offers deposit accounts and specialized lending across residential, commercial, agricultural, and consumer segments. Through its Trust and Investment division, it delivers wealth management, estate planning, retirement planning, and investment management services.