Citizens Financial Services, Inc. (CZFS)
NASDAQ: CZFS · Real-Time Price · USD
67.47
+0.26 (0.39%)
Apr 29, 2026, 10:13 AM EDT - Market open
CZFS Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
| Apr '26 Apr 29, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| Market Capitalization | 324 | 274 | 301 | 305 | 305 | 239 | |
| Market Cap Growth | 24.80% | -9.05% | -1.06% | -0.03% | 27.28% | 8.99% | |
| Last Close Price | 67.21 | 56.54 | 60.14 | 58.55 | 66.78 | 50.91 | |
| PE Ratio | 8.11 | 7.49 | 10.83 | 17.10 | 10.48 | 8.22 | |
| PS Ratio | 2.85 | 2.49 | 3.04 | 3.53 | 3.81 | 3.17 | |
| PB Ratio | 0.96 | 0.81 | 1.00 | 1.09 | 1.52 | 1.13 | |
| P/FCF Ratio | - | 7.78 | 9.46 | 12.73 | 9.64 | 6.37 | |
| P/OCF Ratio | - | 7.50 | 9.08 | 11.48 | 9.17 | 6.19 | |
| Debt / Equity Ratio | 0.59 | 0.97 | 1.05 | 1.22 | 1.36 | 0.37 | |
| Debt / FCF Ratio | - | 9.26 | 9.84 | 14.26 | 8.61 | 2.11 | |
| Net Debt / Equity Ratio | 0.46 | 0.83 | 0.86 | 0.97 | 1.12 | -0.51 | |
| Net Debt / FCF Ratio | - | 7.98 | 8.07 | 11.31 | 7.06 | -2.89 | |
| Return on Equity (ROE) | 12.07% | 11.47% | 9.60% | 7.42% | 14.09% | 14.32% | |
| Return on Assets (ROA) | 1.30% | 1.20% | 0.93% | 0.67% | 1.30% | 1.44% | |
| Earnings Yield | 12.17% | 13.35% | 9.23% | 5.85% | 9.54% | 12.16% | |
| FCF Yield | - | 12.86% | 10.57% | 7.85% | 10.37% | 15.70% | |
| Dividend Yield | 3.01% | 3.50% | 3.21% | 3.24% | 2.76% | 3.52% | |
| Payout Ratio | 26.18% | 26.11% | 33.44% | 47.74% | 26.11% | 25.36% | |
| Buyback Yield / Dilution | 0.07% | 0.04% | -7.28% | -9.28% | 0.20% | -2.54% | |
| Total Shareholder Return | 3.05% | 3.55% | -4.07% | -6.04% | 2.96% | 0.99% | |
Source: S&P Capital IQ. Banks template.
Financial Sources.