CZFS Nasdaq State Commercial Banks Financials FY2016–FY2025
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.
Last close · Oct 26, 2026
$84.59
+$28.99 (+52.14%) past year
Hi! I read Citizens Financial Services Inc’s latest annual report (fiscal 2025). Here is what stands out:
Good So-so Weak
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.
Rules of thumb on reported numbers. A starting point, not a recommendation.
Is it selling more, and how much does it keep?
KIRA summarises the numbers
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.
Revenue
Revenue
Net interest income share and efficiency ratio
Net interest income share and efficiency ratio
In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).
Loss periods are shown in red.
KIRA summarises the numbers
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.
Net income
Net income
Diluted EPS
Diluted EPS
In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.
How much cash comes in, and where does it go?
KIRA summarises the numbers
Citizens Financial Services Inc returned $9.9M to shareholders in fiscal 2025, 28% of free cash flow.
The diluted share count fell 0.0%.
Dividends and buybacks
Dividends and buybacks
Diluted shares outstanding (annual)
In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
KIRA summarises the numbers
In the last 12 months, insiders bought $0.1M and sold $0.0M of shares on the open market.
Bought, 12 months
$0.1M
3 insiders
Sold, 12 months
$0.0M
1 insider
Of sales under plans
0%
$0.0M
| Date | Insider | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Aug 31, 2026 | Stephen J GuillaumeSenior Vice President | Bought | 24 | $76.32 | $0.0M | Form 4 |
| Aug 5, 2026 | John P Painter IIDirector | Bought | 160 | $80.52 | $0.0M | Form 4 |
| Jul 9, 2026 | LeeAnn GephartExecutive Vice President | Sold | 15 | $71.52 | $0.0M | Form 4 |
| Jun 25, 2026 | LeeAnn GephartExecutive Vice President | Sold | 29 | $66.52 | $0.0M | Form 4 |
| May 29, 2026 | Stephen J GuillaumeSenior Vice President | Bought | 34 | $61.78 | $0.0M | Form 4 |
| May 28, 2026 | LeeAnn GephartExecutive Vice President | Sold | 24 | $64.78 | $0.0M | Form 4 |
| May 12, 2026 | John P Painter IIDirector | Bought | 140 | $63.67 | $0.0M | Form 4 |
| Mar 6, 2026 | John P Painter IIDirector | Bought | 675 | $61.00 | $0.0M | Form 4 |
| Feb 27, 2026 | Stephen J GuillaumeSenior Vice President | Bought | 13 | $57.06 | $0.0M | Form 4 |
| Nov 28, 2025 | Stephen J GuillaumeSenior Vice President | Bought | 16 | $53.10 | $0.0M | Form 4 |
| Nov 4, 2025 | Randall E BlackCEO & President, Director | Bought | 22 | $54.25 | $0.0M | Form 4 |
| Nov 3, 2025 | Randall E BlackCEO & President, Director | Bought | 478 | $54.10 | $0.0M | Form 4 |
In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.
Can it carry its debts, and how well does it use its money?
Loans, deposits and capital at each fiscal year end.
Loans and deposits
| Fiscal year end | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Loans, net | $1.4B | $1.7B | — | — | — |
| Deposits | $1.8B | $1.8B | $2.3B | $2.4B | $2.4B |
| Loans / deposits | 77.6% | 92.5% | — | — | — |
| Total assets | $2.1B | $2.3B | $3.0B | $3.0B | $3.1B |
| Shareholders' equity | $212M | $200M | $280M | $300M | $338M |
| Goodwill | $31.4M | $31.4M | $85.8M | $85.8M | $85.8M |
| Intangible assets | $1.6M | $1.3M | $3.7M | $2.9M | $2.2M |
| Provision / loans | 0.1% | 0.1% | — | — | — |
In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
KIRA summarises the numbers
It earned 11.5% on shareholders’ money.
Running costs took 655.1% of revenue (the efficiency ratio; lower is better).
Return on equity, return on tangible equity and efficiency ratio
In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.
Every number, year by year.
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY16 | FY17 | FY18 | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income statement | ||||||||||
| Revenue | $45.9M | $50.9M | $6.5M | $6.9M | $6.7M | $7.7M | $8.6M | $9.0M | $9.6M | $9.9M |
| Net interest income | $38.0M | $42.3M | $47.2M | $49.9M | $62.2M | $66.1M | $72.1M | $80.3M | $86.5M | $98.0M |
| Noninterest income | $7.9M | $8.7M | $7.7M | $8.4M | $11.4M | $12.3M | $9.7M | $11.6M | $15.4M | $14.3M |
| Noninterest expense | $28.7M | $29.3M | $31.6M | $33.3M | $40.8M | $41.6M | $44.7M | $64.8M | $65.4M | $64.7M |
| Provision for credit losses | $1.5M | $2.5M | $1.9M | $1.7M | $2.4M | $1.6M | $1.7M | $5.5M | $2.6M | $2.4M |
| Interest expense | $5.0M | $5.8M | $9.6M | $12.0M | $8.1M | $7.1M | $11.2M | $46.9M | — | — |
| Pretax income | $15.7M | $19.1M | $21.4M | $23.3M | $30.4M | $35.3M | $35.5M | $21.6M | $33.9M | $45.2M |
| Income tax | $3.0M | $6.0M | $3.4M | $3.8M | $5.3M | $6.2M | $6.4M | $3.8M | $6.1M | $8.7M |
| Net income | $12.6M | $13.0M | $18.0M | $19.5M | $25.1M | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M |
| Diluted EPS | $3.57 | $3.67 | $5.04 | $5.41 | $6.46 | $7.24 | $7.17 | $3.98 | $5.79 | $7.62 |
| Diluted shares | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B | 0.00B |
| Cash flow | ||||||||||
| Cash from operations | $16.2M | $15.7M | $21.5M | $21.8M | $11.8M | $38.7M | $33.2M | $26.5M | $33.2M | $36.5M |
| Capital expenditure | $0.6M | $0.2M | $0.5M | $0.5M | $0.9M | $1.1M | $1.6M | $2.6M | $1.3M | $1.3M |
| Free cash flow | $15.6M | $15.5M | $21.0M | $21.3M | $10.9M | $37.6M | $31.6M | $23.9M | $31.9M | $35.2M |
| Depreciation and amortization | $0.3M | $0.2M | $0.4M | $1.0M | $1.1M | $1.1M | $1.0M | $1.5M | $1.8M | $2.1M |
| Stock-based compensation | $0.3M | $0.3M | $0.3M | $0.4M | $0.5M | $0.6M | $0.3M | $0.3M | $0.4M | $0.6M |
| Acquisitions | $0.0M | $4.4M | $0.0M | $0.0M | −$1.0M | $0.0M | $0.0M | −$4.9M | $0.0M | $0.0M |
| Share buybacks | $3.2M | $1.0M | $1.2M | $1.3M | $2.1M | $1.4M | $1.3M | $0.3M | $0.2M | $0.4M |
| Dividends paid | $5.1M | $5.2M | $6.1M | $6.3M | $6.5M | $7.4M | $7.6M | $8.5M | $9.3M | $9.5M |
| Dividends and buybacks | $8.3M | $6.2M | $7.3M | $7.6M | $8.7M | $8.8M | $8.9M | $8.8M | $9.5M | $9.9M |
| Balance sheet | ||||||||||
| Cash and short-term investments | $17.8M | $18.5M | $16.8M | $18.5M | $68.7M | $173M | $26.2M | $52.8M | $42.2M | $34.3M |
| Loans, net | $791M | $989M | $1.1B | $1.1B | $1.4B | $1.4B | $1.7B | — | — | — |
| Deposits | $1.0B | $1.1B | $1.2B | $1.2B | $1.6B | $1.8B | $1.8B | $2.3B | $2.4B | $2.4B |
| Property and equipment, net | $17.0M | $16.5M | $16.3M | $15.9M | $16.9M | $17.0M | $17.6M | $21.4M | $21.4M | $21.0M |
| Goodwill | $21.1M | $23.3M | $23.3M | $23.3M | $31.4M | $31.4M | $31.4M | $85.8M | $85.8M | $85.8M |
| Intangible assets | $2.1M | $2.0M | $1.6M | $1.3M | $1.7M | $1.6M | $1.3M | $3.7M | $2.9M | $2.2M |
| Total assets | $1.2B | $1.4B | $1.4B | $1.5B | $1.9B | $2.1B | $2.3B | $3.0B | $3.0B | $3.1B |
| Total liabilities | $1.1B | $1.2B | $1.3B | $1.3B | $1.7B | $1.9B | $2.1B | $2.7B | $2.7B | $2.7B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $123M | $129M | $139M | $155M | $194M | $212M | $200M | $280M | $300M | $338M |
| Margins | ||||||||||
| Net margin | 27.6% | 25.6% | 276.9% | 281.4% | 376.9% | 376.3% | 338.4% | 198.5% | 289.5% | 370.1% |
| FCF margin | 34.0% | 30.5% | 322.3% | 307.3% | 163.4% | 485.8% | 368.1% | 266.6% | 331.6% | 356.6% |
| Net interest share of revenue | 82.8% | 83.0% | 724.6% | 721.1% | 933.8% | 854.5% | 840.0% | 894.6% | 899.6% | 991.8% |
| Efficiency ratio | 62.5% | 57.6% | 484.6% | 481.4% | 613.3% | 537.0% | 520.5% | 721.8% | 680.4% | 655.1% |
| Returns | ||||||||||
| Return on equity | 10.3% | 10.3% | 13.4% | 13.3% | 14.4% | 14.3% | 14.1% | 7.4% | 9.6% | 11.5% |
| Return on assets | 1.0% | 1.0% | 1.3% | 1.3% | 1.5% | 1.4% | 1.3% | 0.7% | 0.9% | 1.2% |
| Return on tangible equity | 12.6% | 12.6% | 15.8% | 15.0% | 15.6% | 16.2% | 17.3% | 9.4% | 13.2% | 14.6% |
| Growth | ||||||||||
| Revenue growth | — | 11.0% | −87.2% | 6.4% | −3.8% | 16.2% | 11.0% | 4.5% | 7.1% | 2.8% |
| Net income growth | — | 3.1% | 38.5% | 8.1% | 28.8% | 16.0% | −0.2% | −38.7% | 56.2% | 31.5% |
| EPS growth | — | 2.8% | 37.3% | 7.3% | 19.4% | 12.1% | −1.0% | −44.5% | 45.5% | 31.6% |
| FCF growth | — | −0.5% | 35.1% | 1.4% | −48.9% | 245.5% | −15.9% | −24.3% | 33.2% | 10.6% |
| Share count change | — | 0.2% | 0.8% | 0.6% | 7.9% | 3.6% | 0.8% | 10.4% | 7.3% | −0.0% |
| Financial health | ||||||||||
| Loans / deposits | 78.6% | 89.5% | 90.2% | 91.0% | 87.5% | 77.6% | 92.5% | — | — | — |
| Provision / loans | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.1% | 0.1% | — | — | — |
| Capital allocation | ||||||||||
| Capex / revenue | 1.3% | 0.4% | 7.7% | 7.0% | 14.1% | 14.3% | 19.0% | 29.2% | 13.7% | 13.1% |
| Stock comp / revenue | 0.6% | 0.5% | 4.7% | 5.3% | 7.1% | 7.9% | 3.9% | 3.4% | 4.3% | 6.3% |
| Payouts / FCF | 53.2% | 39.6% | 34.7% | 35.7% | 79.6% | 23.3% | 28.1% | 36.7% | 29.8% | 28.1% |
| Quality scores | ||||||||||
| Accruals ratio | −0.3% | −0.2% | −0.2% | −0.2% | 0.8% | −0.5% | −0.2% | −0.3% | −0.2% | 0.0% |
In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.
Source: SEC EDGAR XBRL filings (CIK 0000739421). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.
