Citizens Financial Services Inc
CZFS Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$84.57
KIRA · Stoqly’s AI analyst, in plain words
- Citizens Financial Services Inc had $9.9M of revenue in fiscal 2025, up 2.8% on the year before. Over five years, revenue changed +8.2% a year on average.
- Citizens Financial Services Inc made $36.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 8.8% a year.
- Citizens Financial Services Inc returned $9.9M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count fell 0.0%.
- It earned 11.5% on shareholders’ money. Running costs took 655.1% of revenue (the efficiency ratio; lower is better).
Market cap
$406M
P/E
9.9x
Revenue
$9.9M
Net income
$36.6M
Return on equity
11.5%
Efficiency ratio
655.1%
Citizens Financial Services Inc in 30 seconds · fiscal 2025
Are sales growing?
+2.8%
Only a little. Sales grew 2.8% last year.
Does it make a profit?
370.1%
Yes. It keeps 370.1% of every sale as profit.
How lean are its costs?
655.1%
Costly. Running costs take 655.1% of revenue.
How much does it earn on its capital?
11.5%
Fair. It earns 11.5% a year on shareholders’ money.
How is the share priced?
9.9x
One share costs 9.9 times its yearly profit per share.
What Citizens Financial Services Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- CITIZENS FINANCIAL SERVICES INC
- CIK
- 0000739421
Citizens Financial Services Inc · CZFS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $7.7M | $8.6M | $9.0M | $9.6M | $9.9M |
| Revenue growth | 16.2% | 11.0% | 4.5% | 7.1% | 2.8% |
| Net interest income | $66.1M | $72.1M | $80.3M | $86.5M | $98.0M |
| Net income | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M |
| Net margin | 376.3% | 338.4% | 198.5% | 289.5% | 370.1% |
| Diluted EPS | $7.24 | $7.17 | $3.98 | $5.79 | $7.62 |
| Cash | |||||
| Cash from operations | $38.7M | $33.2M | $26.5M | $33.2M | $36.5M |
| Capital expenditure | $1.1M | $1.6M | $2.6M | $1.3M | $1.3M |
| Free cash flow | $37.6M | $31.6M | $23.9M | $31.9M | $35.2M |
| FCF margin | 485.8% | 368.1% | 266.6% | 331.6% | 356.6% |
| Dividends paid | $7.4M | $7.6M | $8.5M | $9.3M | $9.5M |
| Share buybacks | $1.4M | $1.3M | $0.3M | $0.2M | $0.4M |
| Share count change | 3.6% | 0.8% | 10.4% | 7.3% | −0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $173M | $26.2M | $52.8M | $42.2M | $34.3M |
| Loans, net | $1.4B | $1.7B | — | — | — |
| Deposits | $1.8B | $1.8B | $2.3B | $2.4B | $2.4B |
| Shareholders' equity | $212M | $200M | $280M | $300M | $338M |
| Returns and quality | |||||
| Return on equity | 14.3% | 14.1% | 7.4% | 9.6% | 11.5% |
| Return on tangible equity | 16.2% | 17.3% | 9.4% | 13.2% | 14.6% |
| Efficiency ratio | 537.0% | 520.5% | 721.8% | 680.4% | 655.1% |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Citizens Financial Services Inc · CZFS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $84.57 a share, the company is worth $406M: 9.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000739421). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.