← Back to Screener
Citizens Financial Services, Inc. Common Stock (CZFS)
Price$65.03
Value ScoreB
Growth ScoreB
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)2.74%
Price vs S&P 500 (4W)1.08%
VGM Score60.61
Market Capitalization$312.46M
P/E Ratio (Annual)8.54x
Indicated Dividend Yield (Annual)3.08%
All Metrics
P/CF (Annual)8.55x
Book Value / Share (Quarterly)$71.51
P/TBV (Annual)0.82x
Indicated Dividend (Annual)$2.00
Revenue Growth (3Y)10.38%
Cash Flow / Share (Quarterly)$8.90
Payout Ratio (TTM)24.40%
Price vs S&P 500 (YTD)3.11%
Net Profit Margin (TTM)20.59%
EPS (TTM)$8.19
10-Day Avg Trading Volume0.01M
EPS Excl Extra (TTM)$8.19
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)7.95x
Revenue Growth QoQ (YoY)68.43%
EPS Growth (5Y)3.54%
P/E Normalized (Annual)8.54x
ROA (Last FY)1.19%
Revenue Growth TTM (YoY)45.73%
EBITD / Share (TTM)$10.87
ROE (5Y Avg)10.94%
Operating Margin (TTM)24.95%
Cash Flow / Share (Annual)$7.33
P/B Ratio0.91x
P/B Ratio (Quarterly)0.86x
Net Income / Employee (Annual)$98,000
ROA (TTM)1.30%
EPS Growth QoQ (YoY)36.16%
EV / EBITDA (TTM)9.95x
EPS Incl Extra (Annual)$7.62
3-Month Avg Trading Volume0.01M
52-Week Price Return3.80%
EV / Free Cash Flow (Annual)14.51x
P/E Incl Extra (TTM)7.95x
Tangible BV / Share (Quarterly)$71.07
P/S Ratio (Annual)3.33x
52-Week High$69.58
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 Return18.67%
13-Week Price Return4.53%
Total Debt / Equity (Annual)0.14x
Enterprise Value$511.20M
Revenue / Share Growth (5Y)8.20%
Book Value / Share Growth (5Y)7.68%
Revenue / Employee (Annual)$270,651,300,000
Pretax Margin (Annual)43.35%
Cash / Share (Annual)$6.53
3-Month Return Std Dev34.72%
Net Income / Employee (TTM)$105,400
EBITDA CAGR (5Y)13.63%
EBITDA Interim CAGR (5Y)12.57%
ROE (Last FY)10.82%
EPS Basic Excl Extra (Annual)$7.62
P/FCF (TTM)7.31x
EV / Free Cash Flow (TTM)11.95x
Total Debt / Equity (Quarterly)0.58x
EPS Incl Extra (TTM)$8.19
ROI (TTM)6.49%
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/E7.87x
Free OCF CAGR (5Y)26.50%
Price vs S&P 500 (52W)-24.41%
P/E Ratio (TTM)7.95x
EPS Growth TTM (YoY)38.19%
Year-to-Date Return14.05%
5-Day Price Return2.25%
EPS Normalized (Annual)$7.62
ROA (5Y Avg)1.06%
Net Profit Margin (Annual)35.49%
Month-to-Date Return2.96%
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)7.17x
ROI (5Y Avg)9.26%
P/E Excl Extra (TTM)7.95x
LT Debt / Equity (Quarterly)0.58x
EPS Basic Excl Extra (TTM)$8.19
P/TBV (Quarterly)0.86x
Payout Ratio (Annual)26.11%
P/B Ratio (Annual)0.81x
Dividend / Share (TTM)$2.00
Pretax Margin (TTM)24.95%
Book Value / Share (Annual)$70.32
Price vs S&P 500 (13W)-5.21%
Net Margin Growth (5Y)4.42%
Dividend Yield (TTM)3.07%
Beta0.40x
P/FCF (Annual)8.87x
Revenue / Share (TTM)$20.95
ROE (TTM)11.89%
52-Week Low$49.99
vGradeB
gGradeB
mGradeC
vgmGradeB
Show chart for
Earnings Surprise History
Q1 262.16est. 2.02
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.29
4.14
4.14
4.14
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CZFSCitizens Financial Services, Inc. Common Stock | B | B | C | $65.03 |
| BNSBank of Nova Scotia | C | C | B | $78.61 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.79 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $32.19 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | C | $25.71 |
| 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 | D | C | C | $26.26 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | C | $18.52 |
| FITBFifth Third Bancorp | D | C | C | $48.56 |
| STTState Street Corporation | C | C | A | $159.79 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | B | C | F | $3.47 |
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.