Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
57.10
-0.02 (-0.04%)
At close: Dec 5, 2025, 4:00 PM EST
56.75
-0.35 (-0.61%)
After-hours: Dec 5, 2025, 5:01 PM EST
CZFS Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| Current | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
| Dec '25 Dec 5, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
| Market Capitalization | 273 | 301 | 305 | 305 | 239 | 220 | |
| Market Cap Growth | -18.14% | -1.06% | -0.03% | 27.28% | 8.99% | 1.30% | |
| Last Close Price | 56.75 | 61.14 | 59.52 | 67.89 | 51.75 | 45.83 | |
| PE Ratio | 7.99 | 10.83 | 17.10 | 10.48 | 8.22 | 8.75 | |
| PS Ratio | 2.54 | 3.04 | 3.53 | 3.81 | 3.17 | 3.09 | |
| PB Ratio | 0.83 | 1.00 | 1.09 | 1.52 | 1.13 | 1.13 | |
| P/FCF Ratio | 9.54 | 9.46 | 12.73 | 9.64 | 6.37 | 20.19 | |
| P/OCF Ratio | 9.01 | 9.08 | 11.48 | 9.17 | 6.19 | 18.58 | |
| Debt / Equity Ratio | 0.87 | 1.05 | 1.22 | 1.36 | 0.37 | 0.48 | |
| Debt / FCF Ratio | 9.93 | 9.84 | 14.26 | 8.61 | 2.11 | 8.48 | |
| Return on Equity (ROE) | 10.88% | 9.60% | 7.42% | 14.09% | 14.32% | 14.38% | |
| Return on Assets (ROA) | 1.12% | 0.93% | 0.67% | 1.30% | 1.44% | 1.49% | |
| Earnings Yield | 12.49% | 9.23% | 5.85% | 9.54% | 12.16% | 11.43% | |
| FCF Yield | 10.49% | 10.57% | 7.85% | 10.37% | 15.70% | 4.95% | |
| Dividend Yield | 3.52% | 3.16% | 3.19% | 2.71% | 3.47% | 3.77% | |
| Payout Ratio | 27.96% | 33.44% | 47.74% | 26.11% | 25.36% | 26.05% | |
| Buyback Yield / Dilution | -0.02% | -7.36% | -9.21% | 0.20% | -2.54% | -6.85% | |
| Total Shareholder Return | 3.48% | -4.20% | -6.02% | 2.91% | 0.93% | -3.08% | |
Source: S&P Capital IQ. Banks template.
Financial Sources.