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Citizens Financial Services (CZFS) Financials

Citizens Financial Services logo
$72.49 +0.28 (+0.39%)
Closing price 07/6/2026 04:00 PM Eastern
Extended Trading
$72.46 -0.03 (-0.04%)
As of 07/6/2026 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Citizens Financial Services

Annual Income Statements for Citizens Financial Services

This table shows Citizens Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 12 13 13 18 19 25 29 29 18 28 37
Consolidated Net Income / (Loss)		 12 13 13 18 19 25 29 29 18 28 37
Net Income / (Loss) Continuing Operations		 12 13 13 18 19 25 29 29 18 28 37
Total Pre-Tax Income 		14 16 19 21 23 30 35 35 22 34 45
Total Revenue		 38 46 51 55 58 74 78 82 92 102 112
Net Interest Income / (Expense)		 31 38 42 47 50 62 66 72 80 86 98
Total Interest Income		 36 43 48 57 62 70 73 83 127 154 159
Loans and Leases Interest Income		 29 36 42 50 55 64 66 74 116 143 144
Investment Securities Interest Income		 6.47 6.94 5.78 5.98 6.66 6.36 6.40 8.69 10 11 14
Deposits and Money Market Investments Interest Income		 0.14 0.22 0.19 0.32 0.41 0.40 0.45 0.40 0.74 0.85 0.50
Total Interest Expense		 4.82 5.04 5.84 9.57 12 8.11 7.11 11 47 68 61
Deposits Interest Expense		 4.11 4.25 4.63 6.91 9.22 6.85 5.84 7.32 32 52 47
Long-Term Debt Interest Expense		 0.71 0.79 1.21 2.66 2.82 1.25 1.27 3.91 15 16 14
Total Non-Interest Income		 7.42 7.90 8.66 7.74 8.39 11 12 9.74 12 15 14
Trust Fees by Commissions		 0.67 - - - 0.75 0.80 0.87 0.80 0.76 0.82 0.79
Service Charges on Deposit Accounts		 - - - - 4.69 4.22 4.76 5.35 5.64 5.75 5.57
Other Service Charges		 4.57 0.59 0.54 0.59 0.57 1.97 1.40 0.85 0.77 1.21 1.57
Net Realized & Unrealized Capital Gains on Investments		 0.83 0.70 1.61 0.36 0.62 2.43 1.83 -0.00 1.26 3.56 2.36
Investment Banking Income		 0.72 - - - 1.14 1.30 1.63 1.90 1.92 2.38 2.63
Other Non-Interest Income		 0.63 6.61 6.51 7.13 0.62 0.70 1.83 0.85 1.25 1.68 1.43
Provision for Credit Losses		 0.48 1.52 2.54 1.93 1.68 2.40 1.55 1.68 5.53 2.59 2.38
Total Non-Interest Expense		 23 29 29 32 33 41 42 45 65 65 65
Salaries and Employee Benefits		 13 17 18 19 20 24 26 28 35 39 39
Net Occupancy & Equipment Expense		 1.93 0.64 2.59 2.66 2.85 3.31 3.49 3.70 4.95 6.05 6.51
Property & Liability Insurance Claims		 0.46 1.77 0.39 0.42 0.08 0.48 0.52 0.68 1.48 2.00 1.71
Other Operating Expenses		 7.43 9.40 8.22 9.09 9.24 10 11 12 14 17 17
Amortization Expense		 0.00 0.33 0.30 0.30 0.26 0.22 0.19 0.16 0.37 0.56 0.48
Restructuring Charge		 1.10 0.00 0.17 0.00 0.47 2.18 0.00 0.29 9.27 0.00 0.00
Income Tax Expense		 2.72 3.03 6.03 3.40 3.82 5.26 6.20 6.44 3.76 6.07 8.67
Basic Earnings per Share		 $3.60 $3.57 $3.67 $5.04 $5.42 $6.46 $7.24 $7.17 $3.98 $5.80 $7.62
Weighted Average Basic Shares Outstanding		 3.23M 3.54M 3.55M 3.58M 3.60M 3.88M 4.02M 4.06M 4.48M 4.80M 4.80M
Diluted Earnings per Share		 $3.60 $3.57 $3.67 $5.04 $5.41 $6.46 $7.24 $7.17 $3.98 $5.79 $7.62
Weighted Average Diluted Shares Outstanding		 3.23M 3.54M 3.55M 3.58M 3.60M 3.88M 4.02M 4.06M 4.48M 4.80M 4.80M
Cash Dividends to Common per Share		 $1.63 $1.57 $1.64 $1.71 $1.74 $1.88 $1.83 $1.86 - - $1.98

Quarterly Income Statements for Citizens Financial Services

This table shows Citizens Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.55 7.54 7.02 5.28 7.54 7.98 7.62 8.46 10 10 10
Consolidated Net Income / (Loss)		 7.55 7.54 7.02 5.28 7.54 7.98 7.62 8.46 10 10 10
Net Income / (Loss) Continuing Operations		 7.55 7.54 7.02 5.28 7.54 7.98 7.62 8.46 10 10 10
Total Pre-Tax Income 		9.15 9.22 8.50 6.39 9.25 9.54 9.43 10 12 13 13
Total Revenue		 26 25 26 25 25 26 26 27 29 30 30
Net Interest Income / (Expense)		 22 22 21 21 21 23 23 24 25 26 26
Total Interest Income		 37 39 38 38 39 40 39 39 40 41 40
Loans and Leases Interest Income		 34 36 35 35 36 37 36 35 36 37 36
Investment Securities Interest Income		 2.65 2.60 2.56 2.57 2.64 3.01 3.32 3.39 3.72 3.81 3.81
Deposits and Money Market Investments Interest Income		 0.26 0.27 0.24 0.26 0.19 0.16 0.14 0.13 0.12 0.11 0.10
Total Interest Expense		 14 17 17 17 17 17 16 15 15 15 14
Deposits Interest Expense		 10 12 12 13 13 14 12 11 12 12 11
Long-Term Debt Interest Expense		 4.19 4.48 4.65 3.95 3.89 3.05 3.72 3.65 3.61 3.13 2.86
Total Non-Interest Income		 3.66 3.49 4.97 3.34 3.76 3.34 3.43 3.67 3.85 3.40 3.69
Trust Fees by Commissions		 0.17 0.18 0.24 0.20 0.18 0.19 0.22 0.18 0.19 0.20 0.24
Service Charges on Deposit Accounts		 1.69 1.44 1.37 1.39 1.64 1.36 1.29 1.30 1.60 1.38 1.32
Other Service Charges		 0.31 0.20 0.45 0.47 0.14 0.15 0.62 0.43 0.20 0.32 0.71
Net Realized & Unrealized Capital Gains on Investments		 0.53 0.86 1.57 0.39 0.91 0.54 0.26 0.74 0.74 0.60 0.28
Investment Banking Income		 0.47 0.50 0.67 0.56 0.55 0.61 0.68 0.63 0.76 0.56 0.57
Other Non-Interest Income		 0.49 0.31 0.67 0.33 0.34 0.35 0.35 0.36 0.36 0.37 0.57
Provision for Credit Losses		 0.48 0.20 0.79 2.00 -0.20 - 0.63 0.75 0.50 0.50 0.50
Total Non-Interest Expense		 16 16 17 16 16 17 16 16 16 16 17
Salaries and Employee Benefits		 10 9.39 10 9.62 9.72 9.73 10 9.98 9.92 9.21 10
Net Occupancy & Equipment Expense		 1.48 1.51 1.56 1.56 1.48 1.46 1.62 1.50 1.59 1.79 1.70
Property & Liability Insurance Claims		 0.38 0.48 0.53 0.51 0.56 0.41 0.45 0.50 0.40 0.37 0.40
Other Operating Expenses		 3.81 4.39 4.12 4.41 4.15 4.95 3.89 4.05 4.11 4.54 4.13
Amortization Expense		 0.16 0.15 0.15 0.15 0.14 0.13 0.13 0.13 0.11 0.11 0.11
Income Tax Expense		 1.60 1.68 1.48 1.11 1.71 1.56 1.81 1.95 2.36 2.60 2.33
Basic Earnings per Share		 $1.59 $1.72 $1.48 $1.10 $1.57 $1.67 $1.59 $1.76 $2.09 $2.17 $2.16
Weighted Average Basic Shares Outstanding		 4.75M 4.43M 4.75M 4.80M 4.80M 4.75M 4.80M 4.80M 4.80M 4.80M 4.80M
Diluted Earnings per Share		 $1.59 $1.72 $1.48 $1.10 $1.57 $1.66 $1.59 $1.76 $2.09 $2.17 $2.16
Weighted Average Diluted Shares Outstanding		 4.75M 4.43M 4.75M 4.80M 4.80M 4.76M 4.80M 4.80M 4.80M 4.80M 4.80M
Weighted Average Basic & Diluted Shares Outstanding		 4.71M 4.71M 4.71M 4.76M 4.76M 4.76M 4.76M 4.81M - 0.00 4.80M
Cash Dividends to Common per Share		 $0.49 $0.48 $0.49 $0.48 $0.49 $0.49 - $0.49 $0.50 - $0.50

Annual Cash Flow Statements for Citizens Financial Services

This table details how cash moves in and out of Citizens Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 13 -6.63 0.76 -1.72 1.72 50 104 -147 27 -11 -7.91
Net Cash From Operating Activities		 13 16 16 21 22 12 39 33 27 33 37
Net Cash From Continuing Operating Activities		 13 16 16 21 22 12 39 33 27 33 37
Net Income / (Loss) Continuing Operations		 12 13 13 18 19 25 29 29 18 28 37
Consolidated Net Income / (Loss)		 12 13 13 18 19 25 29 29 18 28 37
Provision For Loan Losses		 0.48 1.52 2.54 1.93 1.68 2.40 1.55 1.68 5.53 2.59 2.38
Depreciation Expense		 0.46 0.32 0.20 0.39 1.04 1.14 1.11 1.03 1.52 1.81 2.10
Amortization Expense		 2.06 2.30 1.44 1.00 -0.24 -2.81 -2.32 -0.06 -1.54 -1.81 -3.19
Non-Cash Adjustments to Reconcile Net Income		 -1.50 -0.69 -1.58 0.22 -0.11 -13 8.77 3.10 2.52 1.65 0.63
Changes in Operating Assets and Liabilities, net		 -0.32 0.11 0.11 -0.08 -0.09 -1.09 0.46 -1.58 0.70 1.13 -1.95
Net Cash From Investing Activities		 19 -70 -105 -72 -32 -111 -158 -362 59 -69 -40
Net Cash From Continuing Investing Activities		 19 -70 -105 -72 -32 -111 -158 -362 59 -69 -40
Purchase of Investment Securities		 -142 -164 -236 -166 -119 -216 -256 -420 -81 -170 -153
Sale and/or Maturity of Investments		 162 93 131 94 86 106 98 59 142 101 113
Other Investing Activities, net		 - - - - - 0.00 0.00 -1.12 -1.47 0.00 0.00
Net Cash From Financing Activities		 -19 47 90 49 12 149 224 183 -59 25 -4.37
Net Cash From Continuing Financing Activities		 -19 47 90 49 12 149 224 183 -59 25 -4.37
Net Change in Deposits		 -11 17 62 80 26 169 247 8.06 -56 61 -5.05
Issuance of Debt		 5.29 39 37 0.01 -2.95 20 9.87 0.00 5.43 9.28 0.00
Issuance of Common Equity		 0.00 0.06 0.04 0.00 0.00 0.13 0.00 0.11 0.03 0.02 0.07
Repayment of Debt		 -5.46 -0.53 -2.00 -23 -3.12 -31 -25 183 0.00 -35 11
Repurchase of Common Equity		 -2.46 -3.23 -0.98 -1.18 -1.29 -2.12 -1.37 -1.28 -0.27 -0.27 -0.55
Payment of Dividends		 -5.15 -5.08 -5.18 -6.12 -6.32 -6.54 -7.38 -7.59 -8.50 -9.30 -9.55
Cash Interest Paid		 4.84 5.06 5.66 9.40 12 8.18 7.41 11 45 67 63
Cash Income Taxes Paid		 3.38 2.48 4.55 3.05 3.30 4.75 5.50 6.60 5.13 2.83 6.59

Quarterly Cash Flow Statements for Citizens Financial Services

This table details how cash moves in and out of Citizens Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -1.37 9.48 -23 8.81 -1.67 5.44 -5.42 13 -18 3.22 -1.19
Net Cash From Operating Activities		 7.43 16 13 3.02 6.22 10 11 5.98 2.88 17 18
Net Cash From Continuing Operating Activities		 7.43 16 13 3.02 6.22 10 11 5.98 2.88 17 18
Net Income / (Loss) Continuing Operations		 7.55 7.54 7.02 5.28 7.54 7.98 7.62 8.46 10 10 10
Consolidated Net Income / (Loss)		 7.55 7.54 7.02 5.28 7.54 7.98 7.62 8.46 10 10 10
Provision For Loan Losses		 0.48 0.20 0.79 2.00 -0.20 - 0.63 0.75 0.50 0.50 0.50
Depreciation Expense		 0.49 0.50 0.50 0.46 0.42 0.43 0.45 0.47 0.49 0.69 0.47
Amortization Expense		 -1.20 -0.34 -0.59 -0.89 -0.56 0.23 -0.58 -0.69 -0.88 -1.05 -0.81
Non-Cash Adjustments to Reconcile Net Income		 0.68 7.46 5.47 -5.00 -1.02 2.20 4.99 -2.93 -7.44 6.02 7.13
Changes in Operating Assets and Liabilities, net		 -0.57 0.86 0.27 1.17 0.05 -0.36 -2.16 -0.09 0.20 0.09 0.38
Net Cash From Investing Activities		 -73 3.68 23 -13 -79 -0.18 -0.73 71 -104 -6.50 30
Net Cash From Continuing Investing Activities		 -73 3.68 23 -13 -79 -0.18 -0.73 71 -104 -6.50 30
Purchase of Investment Securities		 -92 -9.22 -12 -26 -103 -25 -25 45 -133 -40 -2.74
Sale and/or Maturity of Investments		 19 14 35 13 24 24 24 26 29 33 33
Net Cash From Financing Activities		 64 -10 -60 19 71 -4.87 -16 -64 82 -7.02 -49
Net Cash From Continuing Financing Activities		 64 -10 -60 19 71 -4.87 -16 -64 82 -7.02 -49
Net Change in Deposits		 69 -14 -19 -30 177 -68 -17 -72 119 -34 64
Issuance of Debt		 - 20 -34 - - - - 21 -6.82 -18 -111
Issuance of Common Equity		 - 0.01 0.00 - - 0.02 0.02 0.02 0.02 0.02 0.02
Repurchase of Common Equity		 -0.26 -0.00 -0.05 -0.04 -0.12 -0.06 -0.06 -0.24 -0.08 -0.17 -0.16
Payment of Dividends		 -2.31 -2.31 -2.31 -2.33 -2.33 -2.33 -2.36 -2.39 -2.40 -2.40 -2.40
Cash Interest Paid		 14 16 17 15 17 18 18 16 14 16 14
Cash Income Taxes Paid		 1.00 0.50 0.00 0.75 0.75 1.00 0.00 2.50 1.50 2.59 0.00

Annual Balance Sheets for Citizens Financial Services

This table presents Citizens Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,163 1,223 1,362 1,431 1,466 1,892 2,144 2,333 2,975 3,026 3,065
Cash and Due from Banks		 14 17 16 15 18 16 14 25 38 30 24
Interest Bearing Deposits at Other Banks		 10 0.90 2.17 1.47 0.79 52 159 1.40 15 12 10
Time Deposits Placed and Other Short-Term Investments		 7.70 6.96 10 15 14 14 11 6.06 4.07 3.82 3.82
Trading Account Securities		 360 314 255 242 241 297 419 458 433 438 453
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 689 793 991 1,070 1,103 1,404 1,429 0.73 9.38 9.61 9.39
Premises and Equipment, Net		 17 17 17 16 16 17 17 18 21 21 21
Goodwill		 21 21 23 23 23 31 31 31 86 86 86
Intangible Assets		 2.44 2.10 1.95 1.62 1.35 1.67 1.63 1.27 3.65 2.89 2.22
Other Assets		 42 52 46 46 49 58 63 1,792 2,365 2,422 2,455
Total Liabilities & Shareholders' Equity		 1,163 1,223 1,362 1,431 1,466 1,892 2,144 2,333 2,975 3,026 3,065
Total Liabilities		 1,043 1,100 1,233 1,291 1,312 1,697 1,931 2,133 2,696 2,726 2,727
Non-Interest Bearing Deposits		 151 147 172 180 204 304 358 396 524 533 517
Interest Bearing Deposits		 837 858 933 1,005 1,007 1,285 1,478 1,448 1,798 1,849 1,860
Accrued Interest Payable		 0.73 0.72 0.90 1.08 1.09 1.02 0.71 1.23 4.30 4.69 3.13
Long-Term Debt		 42 80 115 91 85 89 74 257 322 298 309
Other Long-Term Liabilities		 13 14 12 14 14 19 21 31 48 42 37
Total Equity & Noncontrolling Interests		 120 123 129 139 155 194 212 200 280 300 338
Total Preferred & Common Equity		 120 123 129 139 155 194 212 200 280 300 338
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 120 123 129 139 155 194 212 200 280 300 338
Common Stock		 44 46 55 57 59 80 83 85 148 150 153
Retained Earnings		 86 91 90 100 111 127 146 165 173 189 214
Treasury Stock		 -10 -13 -13 -14 -14 -15 -16 -17 -17 -16 -16
Accumulated Other Comprehensive Income / (Loss)		 -0.24 -1.39 -3.40 -3.92 -0.63 2.59 -0.16 -33 -25 -24 -12

Quarterly Balance Sheets for Citizens Financial Services

This table presents Citizens Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,350 2,335 2,892 2,959 2,921 2,948 3,026 3,016 2,967 3,056 3,026
Cash and Due from Banks		 22 24 29 25 14 22 27 28 27 25 27
Interest Bearing Deposits at Other Banks		 1.63 1.92 16 18 16 16 9.98 8.66 23 6.55 6.31
Time Deposits Placed and Other Short-Term Investments		 6.06 6.06 4.81 4.57 3.82 3.82 3.82 3.82 3.82 3.82 3.82
Trading Account Securities		 465 460 453 438 421 417 430 442 442 461 457
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale		 1,721 0.67 15 14 8.35 14 14 6.05 16 14 5.87
Premises and Equipment, Net		 17 18 21 21 21 21 21 22 22 22 21
Goodwill		 31 31 85 85 86 86 86 86 86 86 86
Intangible Assets		 1.37 1.18 4.07 3.87 3.45 3.24 3.08 2.71 2.53 2.37 2.07
Other Assets		 84 1,793 2,265 2,349 2,348 2,364 2,432 2,418 2,347 2,438 2,418
Total Liabilities & Shareholders' Equity		 2,350 2,335 2,892 2,959 2,921 2,948 3,026 3,016 2,967 3,056 3,026
Total Liabilities		 2,158 2,122 2,629 2,697 2,638 2,661 2,728 2,708 2,654 2,729 2,683
Non-Interest Bearing Deposits		 381 370 553 542 524 502 548 506 499 522 510
Interest Bearing Deposits		 1,487 1,430 1,713 1,793 1,779 1,771 1,902 1,859 1,793 1,889 1,932
Accrued Interest Payable		 0.92 1.77 2.26 2.73 4.12 5.48 5.55 3.14 2.74 3.75 3.75
Long-Term Debt		 259 288 318 316 284 335 232 302 313 280 199
Other Long-Term Liabilities		 30 33 42 43 48 48 40 38 45 34 39
Total Equity & Noncontrolling Interests		 191 213 263 263 283 286 299 308 314 328 344
Total Preferred & Common Equity		 191 213 263 263 283 286 299 308 314 328 344
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 191 213 263 263 283 286 299 308 314 328 344
Common Stock		 85 85 149 148 148 150 150 150 153 153 153
Retained Earnings		 159 172 162 168 178 179 184 195 198 206 222
Treasury Stock		 -17 -17 -17 -17 -17 -16 -16 -16 -16 -16 -17
Accumulated Other Comprehensive Income / (Loss)		 -36 -27 -31 -37 -27 -26 -19 -20 -21 -15 -15

Annual Metrics And Ratios for Citizens Financial Services

This table displays calculated financial ratios and metrics derived from Citizens Financial Services' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 3,001,071.00 3,349,841.00 3,491,511.00 3,509,143.00 7,050,392.00 3,921,880.00 3,952,161.00 - - - 4,807,314.00
DEI Adjusted Shares Outstanding		 3,001,071.00 3,349,841.00 3,491,511.00 3,509,143.00 7,050,392.00 3,921,880.00 3,952,161.00 - - - 4,807,314.00
DEI Earnings Per Adjusted Shares Outstanding		 3.87 3.77 3.73 5.14 2.76 6.40 7.37 - - - 7.61
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 1.49% 19.88% 11.00% 8.56% 5.53% 26.21% 6.53% 4.41% 12.21% 10.88% 10.30%
EBITDA Growth		 -13.71% 8.45% 13.14% 11.96% 4.07% 19.00% 18.85% 6.91% -41.05% 56.65% 30.33%
EBIT Growth		 -15.33% 9.24% 21.59% 14.33% 6.99% 30.27% 16.30% 0.50% -39.39% 56.56% 33.51%
NOPAT Growth		 -13.14% 8.70% 3.06% 38.46% 8.07% 28.80% 15.99% -0.20% -38.71% 56.18% 31.47%
Net Income Growth		 -13.14% 8.70% 3.06% 38.46% 8.07% 28.80% 15.99% -0.20% -38.71% 56.18% 31.47%
EPS Growth		 -17.43% -0.83% 2.80% 37.33% 7.34% 19.41% 12.07% -0.97% -43.93% 45.52% 31.61%
Operating Cash Flow Growth		 -20.81% 26.41% -2.81% 36.51% 1.31% -45.69% 227.30% -14.09% -20.17% 25.04% 10.10%
Free Cash Flow Firm Growth		 -124.76% -288.56% 4.09% 212.86% -67.97% -280.63% 242.22% -651.14% 10.87% 125.35% -142.01%
Invested Capital Growth		 13.39% 25.74% 20.08% -5.44% 4.11% 18.01% 1.19% 59.68% 31.54% -0.71% 8.38%
Revenue Q/Q Growth		 1.12% 4.69% 4.26% 3.56% -8.09% 14.97% -1.29% 2.80% 4.24% 0.86% 3.12%
EBITDA Q/Q Growth		 -7.58% 5.51% 6.17% 7.35% -17.50% 25.18% 0.52% 4.68% -2.01% 2.50% 6.07%
EBIT Q/Q Growth		 -8.88% 6.66% 9.03% 7.64% -18.13% 28.63% -0.52% 3.51% -2.17% 0.96% 8.49%
NOPAT Q/Q Growth		 -8.04% 5.96% -4.17% 11.85% 2.78% 9.53% -0.96% 3.31% -1.85% 1.62% 7.34%
Net Income Q/Q Growth		 -8.04% 5.96% -4.17% 11.85% 2.78% 9.53% -0.96% 3.31% -1.85% 1.62% 7.34%
EPS Q/Q Growth		 -12.41% 7.21% -3.42% 11.26% 2.46% 7.67% -1.90% 3.17% -5.63% -1.68% 6.57%
Operating Cash Flow Q/Q Growth		 -7.15% 10.37% -13.18% 19.57% -2.71% 230.41% -16.91% 8.44% 37.99% -14.71% 20.63%
Free Cash Flow Firm Q/Q Growth		 -866.80% -70.80% -121.60% 3,721.06% 145.43% -329.39% -16.64% -5.06% -14.62% -57.71% 68.53%
Invested Capital Q/Q Growth		 8.64% 14.39% 19.74% 4.50% -8.27% -1.92% -0.24% 1.57% 3.95% 12.65% 6.62%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.09% 39.89% 40.65% 41.93% 41.35% 38.99% 43.50% 44.54% 23.40% 33.06% 39.30%
EBIT Margin		 37.50% 34.17% 37.43% 39.42% 39.97% 41.25% 45.04% 43.35% 23.42% 33.07% 40.27%
Profit (Net Income) Margin		 30.39% 27.56% 25.58% 32.63% 33.42% 34.10% 37.13% 35.49% 19.39% 27.31% 32.55%
Tax Burden Percent		 81.03% 80.64% 68.35% 84.13% 83.61% 82.67% 82.45% 81.87% 82.78% 82.59% 80.84%
Interest Burden Percent		 100.00% 100.00% 100.00% 98.39% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.97% 19.36% 31.65% 15.87% 16.39% 17.33% 17.55% 18.13% 17.22% 17.41% 19.16%
Return on Invested Capital (ROIC)		 7.66% 6.94% 5.83% 7.61% 8.29% 9.60% 10.22% 7.81% 3.36% 4.64% 5.88%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.66% 6.94% 5.83% 7.61% 8.29% 9.60% 10.22% 7.81% 3.36% 4.64% 5.88%
Return on Net Nonoperating Assets (RNNOA)		 2.90% 3.46% 4.49% 5.84% 4.97% 4.78% 4.09% 6.27% 4.06% 4.96% 5.59%
Return on Equity (ROE)		 10.56% 10.40% 10.33% 13.45% 13.26% 14.38% 14.32% 14.09% 7.42% 9.60% 11.47%
Cash Return on Invested Capital (CROIC)		 -4.90% -15.87% -12.41% 13.20% 4.26% -6.92% 9.04% -38.15% -23.88% 5.35% -2.16%
Operating Return on Assets (OROA)		 1.37% 1.31% 1.47% 1.56% 1.61% 1.81% 1.75% 1.59% 0.81% 1.12% 1.49%
Return on Assets (ROA)		 1.11% 1.06% 1.01% 1.29% 1.35% 1.50% 1.44% 1.30% 0.67% 0.93% 1.20%
Return on Common Equity (ROCE)		 10.56% 10.40% 10.33% 13.45% 13.26% 14.38% 14.32% 14.09% 7.42% 9.60% 11.47%
Return on Equity Simple (ROE_SIMPLE)		 9.71% 10.25% 10.10% 12.95% 12.59% 12.92% 13.70% 14.52% 6.37% 9.28% 10.82%
Net Operating Profit after Tax (NOPAT)		 12 13 13 18 19 25 29 29 18 28 37
NOPAT Margin		 30.39% 27.56% 25.58% 32.63% 33.42% 34.10% 37.13% 35.49% 19.39% 27.31% 32.55%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 37.73% 37.45% 39.77% 39.36% 39.95% 37.36% 37.48% 38.52% 43.47% 44.57% 40.87%
Operating Expenses to Revenue		 61.24% 62.51% 57.58% 57.10% 57.16% 55.49% 52.99% 54.59% 70.56% 64.39% 57.62%
Earnings before Interest and Taxes (EBIT)		 14 16 19 22 23 30 35 35 22 34 45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 18 21 23 24 29 34 36 21 34 44
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.27 1.38 1.38 1.45 1.31 0.93 0.86 1.42 1.05 1.01 0.80
Price to Tangible Book Value (P/TBV)		 1.59 1.70 1.71 1.77 1.56 1.12 1.01 1.70 1.54 1.43 1.09
Price to Revenue (P/Rev)		 3.99 3.72 3.49 3.66 3.49 2.46 2.32 3.48 3.19 2.96 2.42
Price to Earnings (P/E)		 13.13 13.49 13.64 11.01 10.43 7.20 6.26 9.80 16.45 10.83 7.43
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.00% 3.13% 3.10% 3.52%
Earnings Yield		 7.61% 7.42% 7.33% 9.08% 9.59% 13.89% 15.98% 10.20% 6.08% 9.23% 13.45%
Enterprise Value to Invested Capital (EV/IC)		 1.01 1.11 1.08 1.13 1.07 0.66 0.25 1.11 0.93 0.93 0.84
Enterprise Value to Revenue (EV/Rev)		 4.24 4.91 5.18 4.73 4.38 2.54 0.92 6.23 6.08 5.43 4.83
Enterprise Value to EBITDA (EV/EBITDA)		 9.62 12.32 12.73 11.28 10.60 6.52 2.12 13.98 25.96 16.42 12.30
Enterprise Value to EBIT (EV/EBIT)		 11.31 14.38 13.83 11.99 10.97 6.16 2.05 14.36 25.94 16.42 12.01
Enterprise Value to NOPAT (EV/NOPAT)		 13.95 17.83 20.23 14.49 13.12 7.46 2.48 17.54 31.34 19.88 14.85
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.66 13.92 16.74 12.16 11.75 15.83 1.87 15.34 21.03 16.67 14.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 8.35 25.51 0.00 2.81 0.00 0.00 17.25 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.35 0.65 0.89 0.66 0.55 0.46 0.35 1.29 1.15 0.99 0.92
Long-Term Debt to Equity		 0.35 0.65 0.89 0.66 0.55 0.46 0.35 1.29 1.15 0.99 0.92
Financial Leverage		 0.38 0.50 0.77 0.77 0.60 0.50 0.40 0.80 1.21 1.07 0.95
Leverage Ratio		 9.48 9.82 10.25 10.41 9.85 9.62 9.92 10.85 11.06 10.36 9.55
Compound Leverage Factor		 9.48 9.82 10.25 10.24 9.85 9.62 9.92 10.85 11.06 10.36 9.55
Debt to Total Capital		 25.80% 39.26% 47.06% 39.58% 35.48% 31.38% 25.82% 56.24% 53.52% 49.83% 47.79%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 25.80% 39.26% 47.06% 39.58% 35.48% 31.38% 25.82% 56.24% 53.52% 49.83% 47.79%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 74.20% 60.74% 52.94% 60.42% 64.52% 68.62% 74.18% 43.76% 46.48% 50.17% 52.21%
Debt to EBITDA		 2.47 4.35 5.54 3.94 3.53 3.10 2.17 7.06 14.98 8.84 7.01
Net Debt to EBITDA		 0.57 3.00 4.15 2.54 2.17 0.22 -3.22 6.17 12.33 7.47 6.15
Long-Term Debt to EBITDA		 2.47 4.35 5.54 3.94 3.53 3.10 2.17 7.06 14.98 8.84 7.01
Debt to NOPAT		 3.58 6.30 8.80 5.06 4.37 3.54 2.54 8.85 18.08 10.70 8.46
Net Debt to NOPAT		 0.82 4.35 6.59 3.27 2.69 0.25 -3.77 7.74 14.89 9.05 7.42
Long-Term Debt to NOPAT		 3.58 6.30 8.80 5.06 4.37 3.54 2.54 8.85 18.08 10.70 8.46
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -7.44 -29 -28 31 10 -18 26 -142 -126 32 -13
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.54 -5.73 -4.75 3.27 0.83 -2.23 3.62 -12.64 -2.70 0.47 -0.22
Operating Cash Flow to Interest Expense		 2.66 3.21 2.70 2.24 1.81 1.46 5.45 2.96 0.57 0.49 0.60
Operating Cash Flow Less CapEx to Interest Expense		 2.66 3.21 2.70 2.24 1.81 1.46 5.45 2.96 0.57 0.49 0.60
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04
Fixed Asset Turnover		 2.58 2.67 3.03 3.37 3.62 4.48 4.62 4.73 4.71 4.76 5.30
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 161 203 244 230 240 283 286 457 602 597 647
Invested Capital Turnover		 0.25 0.25 0.23 0.23 0.25 0.28 0.28 0.22 0.17 0.17 0.18
Increase / (Decrease) in Invested Capital		 19 42 41 -13 9.47 43 3.37 171 144 -4.25 50
Enterprise Value (EV)		 162 225 263 261 256 187 72 510 558 553 543
Market Capitalization		 153 170 178 202 203 181 182 285 293 301 272
Book Value per Share		 $39.91 $36.80 $36.95 $39.68 $43.91 $49.53 $53.77 $50.40 $59.43 $62.97 $70.46
Tangible Book Value per Share		 $32.07 $29.88 $29.72 $32.57 $36.91 $41.11 $45.42 $42.18 $40.43 $44.35 $52.13
Total Capital		 161 203 244 230 240 283 286 457 602 597 647
Total Debt		 42 80 115 91 85 89 74 257 322 298 309
Total Long-Term Debt		 42 80 115 91 85 89 74 257 322 298 309
Net Debt		 9.55 55 86 59 52 6.37 -110 225 265 252 271
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 42 80 115 91 85 89 74 257 322 298 309
Total Depreciation and Amortization (D&A)		 2.52 2.62 1.64 1.39 0.81 -1.67 -1.21 0.97 -0.02 -0.01 -1.09
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.84 $3.78 $3.74 $5.14 $5.54 $6.60 $7.38 $7.32 $4.06 $5.86 $7.62
Adjusted Weighted Average Basic Shares Outstanding		 3.03M 3.34M 3.48M 3.51M 3.52M 3.81M 3.95M 3.97M 4.38M 4.75M 4.80M
Adjusted Diluted Earnings per Share		 $3.83 $3.78 $3.74 $5.14 $5.53 $6.59 $7.38 $7.32 $4.06 $5.85 $7.62
Adjusted Weighted Average Diluted Shares Outstanding		 3.03M 3.34M 3.48M 3.51M 3.52M 3.81M 3.95M 3.97M 4.38M 4.76M 4.80M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.34M 3.32M 3.48M 3.50M 3.53M 3.91M 3.94M 3.97M 4.71M 4.76M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 13 13 13 18 20 27 29 29 25 28 37
Normalized NOPAT Margin		 32.73% 27.56% 25.81% 32.63% 34.08% 36.55% 37.13% 35.79% 27.74% 27.19% 32.55%
Pre Tax Income Margin		 37.50% 34.17% 37.43% 38.79% 39.97% 41.25% 45.04% 43.35% 23.42% 33.07% 40.27%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.98 3.11 3.26 2.28 1.94 3.75 4.97 3.16 0.46 0.50 0.74
NOPAT to Interest Expense		 2.41 2.51 2.23 1.88 1.62 3.10 4.10 2.59 0.38 0.41 0.60
EBIT Less CapEx to Interest Expense		 2.98 3.11 3.26 2.28 1.94 3.75 4.97 3.16 0.46 0.50 0.74
NOPAT Less CapEx to Interest Expense		 2.41 2.51 2.23 1.88 1.62 3.10 4.10 2.59 0.38 0.41 0.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 44.31% 40.20% 39.75% 33.91% 32.40% 26.05% 25.36% 26.11% 47.74% 33.44% 26.11%
Augmented Payout Ratio		 65.42% 65.74% 47.26% 40.43% 39.03% 34.50% 30.07% 30.51% 49.23% 34.40% 27.60%

Quarterly Metrics And Ratios for Citizens Financial Services

This table displays calculated financial ratios and metrics derived from Citizens Financial Services' official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 4,759,471.00 4,759,672.00 4,807,314.00 4,807,314.00 4,807,314.00
DEI Adjusted Shares Outstanding		 - - - - - - 4,759,471.00 4,759,672.00 4,807,314.00 4,807,314.00 4,807,314.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 1.60 1.78 2.08 2.18 2.16
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 21.02% 17.29% 28.02% 21.95% -3.79% 3.42% 1.93% 10.87% 15.61% 12.96% 12.77%
EBITDA Growth		 -11.84% -4.48% -2.73% 219.89% 7.91% 8.76% 10.61% 71.31% 31.38% 22.37% 32.91%
EBIT Growth		 -0.57% -4.92% 0.30% 219.81% 1.13% 3.47% 10.88% 63.06% 33.62% 34.30% 34.75%
NOPAT Growth		 0.05% -4.25% 2.29% 241.33% -0.16% 5.88% 8.50% 60.44% 32.76% 31.32% 36.15%
Net Income Growth		 0.05% -4.25% 2.29% 227.29% -0.16% 5.88% 8.50% 60.44% 32.76% 31.32% 36.15%
EPS Growth		 -15.43% -8.51% -12.87% 211.00% 0.00% -3.49% 7.43% 60.00% 33.12% 32.32% 35.85%
Operating Cash Flow Growth		 -19.84% 82.07% 29.29% 140.26% -16.25% -35.32% -18.66% 98.01% -53.79% 59.59% 64.62%
Free Cash Flow Firm Growth		 22.30% 16.15% 74.08% 87.63% 146.29% 108.94% 37.04% 108.35% -219.46% -423.48% 314.97%
Invested Capital Growth		 28.53% 31.54% 12.95% 6.86% -8.37% -0.71% 7.79% 0.90% 14.50% 8.38% -11.14%
Revenue Q/Q Growth		 29.03% -2.77% 2.31% -4.99% 1.80% 4.52% 0.83% 3.34% 6.15% 2.12% 0.66%
EBITDA Q/Q Growth		 269.95% 11.09% -10.36% -29.15% 52.97% 11.96% -10.60% 10.31% 17.32% 6.33% -2.90%
EBIT Q/Q Growth		 271.55% 0.84% -7.84% -24.86% 44.80% 3.18% -3.26% 11.09% 18.66% 5.87% -2.93%
NOPAT Q/Q Growth		 302.23% -0.11% -6.84% -24.90% 42.86% 5.93% -4.53% 11.05% 18.22% 4.78% -1.02%
Net Income Q/Q Growth		 282.14% -0.11% -6.84% -24.90% 42.86% 5.93% -4.53% 11.05% 18.22% 4.78% -1.02%
EPS Q/Q Growth		 259.00% 8.18% -14.37% -25.50% 43.24% 4.40% -3.05% 10.00% 18.75% 3.83% -0.46%
Operating Cash Flow Q/Q Growth		 198.95% 118.20% -16.98% -77.54% 105.86% 68.51% 4.41% -45.33% -51.96% 481.91% 7.70%
Free Cash Flow Firm Q/Q Growth		 56.74% -13.06% 57.64% 40.27% 261.83% -78.16% -398.14% 107.93% -2,414.19% 40.85% 298.13%
Invested Capital Q/Q Growth		 -0.45% 3.95% -5.89% 9.72% -14.63% 12.65% 2.15% 2.71% -3.13% 6.62% -16.24%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 32.39% 37.01% 32.42% 24.18% 36.33% 38.92% 35.18% 37.36% 41.28% 42.99% 41.47%
EBIT Margin		 35.09% 36.40% 32.79% 25.93% 36.88% 36.41% 35.67% 38.14% 42.63% 44.20% 42.62%
Profit (Net Income) Margin		 28.96% 29.75% 27.09% 21.41% 30.05% 30.46% 28.84% 30.99% 34.51% 35.40% 34.82%
Tax Burden Percent		 82.52% 81.74% 82.63% 82.58% 81.47% 83.64% 80.85% 81.25% 80.95% 80.11% 81.69%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 17.48% 18.26% 17.37% 17.42% 18.53% 16.36% 19.15% 18.75% 19.05% 19.89% 18.31%
Return on Invested Capital (ROIC)		 4.96% 5.16% 4.95% 3.63% 5.47% 5.17% 5.02% 5.21% 6.61% 6.39% 6.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.96% 5.16% 4.95% 3.63% 5.47% 5.17% 5.02% 5.21% 6.61% 6.39% 6.99%
Return on Net Nonoperating Assets (RNNOA)		 6.28% 6.23% 5.71% 4.31% 5.34% 5.53% 4.97% 5.63% 5.40% 6.08% 5.37%
Return on Equity (ROE)		 11.24% 11.39% 10.66% 7.94% 10.81% 10.71% 9.99% 10.85% 12.00% 12.47% 12.36%
Cash Return on Invested Capital (CROIC)		 -21.44% -23.88% -8.80% -2.08% 13.67% 5.35% -2.66% 4.17% -7.53% -2.16% 18.62%
Operating Return on Assets (OROA)		 1.17% 1.26% 1.22% 0.91% 1.24% 1.24% 1.23% 1.35% 1.53% 1.63% 1.63%
Return on Assets (ROA)		 0.96% 1.03% 1.01% 0.75% 1.01% 1.03% 0.99% 1.10% 1.24% 1.31% 1.33%
Return on Common Equity (ROCE)		 11.24% 11.39% 10.66% 7.94% 10.81% 10.71% 9.99% 10.85% 12.00% 12.47% 12.36%
Return on Equity Simple (ROE_SIMPLE)		 6.91% 0.00% 6.36% 9.56% 9.17% 0.00% 9.22% 10.08% 10.40% 0.00% 11.45%
Net Operating Profit after Tax (NOPAT)		 7.55 7.54 7.02 5.28 7.54 7.98 7.62 8.46 10 10 10
NOPAT Margin		 28.96% 29.75% 27.09% 21.41% 30.05% 30.46% 28.84% 30.99% 34.51% 35.40% 34.82%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.05% 43.00% 45.70% 45.37% 44.62% 42.65% 45.06% 42.02% 39.72% 37.17% 40.18%
Operating Expenses to Revenue		 63.09% 62.82% 64.19% 65.94% 63.91% 63.59% 61.97% 59.12% 55.65% 54.12% 55.70%
Earnings before Interest and Taxes (EBIT)		 9.15 9.22 8.50 6.39 9.25 9.54 9.43 10 12 13 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.44 9.38 8.41 5.96 9.11 10 9.30 10 12 13 12
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 1.05 0.81 0.74 0.94 1.01 0.87 0.89 0.88 0.80 0.00
Price to Tangible Book Value (P/TBV)		 1.24 1.54 1.18 1.07 1.33 1.43 1.22 1.24 1.21 1.09 0.00
Price to Revenue (P/Rev)		 2.46 3.19 2.35 2.07 2.77 2.96 2.61 2.66 2.66 2.42 0.00
Price to Earnings (P/E)		 11.94 16.45 12.74 7.72 10.22 10.83 9.41 8.84 8.51 7.43 0.00
Dividend Yield		 4.21% 3.13% 4.02% 4.36% 3.34% 3.10% 3.50% 3.35% 3.28% 3.52% 3.26%
Earnings Yield		 8.37% 6.08% 7.85% 12.95% 9.79% 9.23% 10.62% 11.31% 11.76% 13.45% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.84 0.93 0.85 0.81 0.89 0.93 0.87 0.86 0.88 0.84 0.00
Enterprise Value to Revenue (EV/Rev)		 5.50 6.08 4.91 4.94 4.66 5.43 5.17 5.14 4.91 4.83 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 22.11 25.96 22.53 15.66 14.33 16.42 15.21 13.92 12.84 12.30 0.00
Enterprise Value to EBIT (EV/EBIT)		 22.05 25.94 22.24 15.16 14.11 16.42 15.19 13.98 12.82 12.01 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 26.72 31.34 26.66 18.41 17.20 19.88 18.61 17.07 15.69 14.85 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 25.22 21.03 16.19 12.57 12.10 16.67 17.24 16.04 17.65 14.87 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 6.21 17.25 0.00 20.72 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.20 1.15 1.00 1.17 0.78 0.99 0.98 1.00 0.85 0.92 0.58
Long-Term Debt to Equity		 1.20 1.15 1.00 1.17 0.78 0.99 0.98 1.00 0.85 0.92 0.58
Financial Leverage		 1.27 1.21 1.15 1.19 0.98 1.07 0.99 1.08 0.82 0.95 0.77
Leverage Ratio		 11.69 11.06 10.60 10.62 10.66 10.36 10.05 9.86 9.71 9.55 9.27
Compound Leverage Factor		 11.69 11.06 10.60 10.62 10.66 10.36 10.05 9.86 9.71 9.55 9.27
Debt to Total Capital		 54.62% 53.52% 50.08% 53.89% 43.69% 49.83% 49.49% 49.97% 46.04% 47.79% 36.65%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 54.62% 53.52% 50.08% 53.89% 43.69% 49.83% 49.49% 49.97% 46.04% 47.79% 36.65%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 45.38% 46.48% 49.92% 46.11% 56.31% 50.17% 50.51% 50.03% 53.96% 52.21% 63.35%
Debt to EBITDA		 14.41 14.98 13.34 10.40 7.05 8.84 8.69 8.08 6.72 7.01 4.21
Net Debt to EBITDA		 12.23 12.33 11.76 9.09 5.82 7.47 7.52 6.71 5.88 6.15 3.43
Long-Term Debt to EBITDA		 14.41 14.98 13.34 10.40 7.05 8.84 8.69 8.08 6.72 7.01 4.21
Debt to NOPAT		 17.42 18.08 15.78 12.23 8.47 10.70 10.63 9.91 8.21 8.46 5.05
Net Debt to NOPAT		 14.78 14.89 13.92 10.68 6.98 9.05 9.20 8.22 7.18 7.42 4.11
Long-Term Debt to NOPAT		 17.42 18.08 15.78 12.23 8.47 10.70 10.63 9.91 8.21 8.46 5.05
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -121 -137 -58 -35 56 12 -36 2.89 -67 -40 78
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -8.47 -8.21 -3.41 -2.08 3.22 0.72 -2.28 0.19 -4.43 -2.65 5.53
Operating Cash Flow to Interest Expense		 0.52 0.97 0.79 0.18 0.36 0.62 0.68 0.40 0.19 1.12 1.27
Operating Cash Flow Less CapEx to Interest Expense		 0.52 0.97 0.79 0.18 0.36 0.62 0.68 0.40 0.19 1.12 1.27
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.04 0.03 0.03 0.03 0.03 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 4.54 4.71 5.04 4.82 4.73 4.76 4.79 4.92 5.10 5.30 5.47
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 579 602 566 621 530 597 610 627 607 647 542
Invested Capital Turnover		 0.17 0.17 0.18 0.17 0.18 0.17 0.17 0.17 0.19 0.18 0.20
Increase / (Decrease) in Invested Capital		 128 144 65 40 -48 -4.25 44 5.57 77 50 -68
Enterprise Value (EV)		 485 558 479 504 471 553 529 539 534 543 0.00
Market Capitalization		 217 293 229 212 280 301 267 279 290 272 0.00
Book Value per Share		 $55.84 $59.43 $60.05 $60.86 $62.74 $62.97 $64.78 $65.90 $68.16 $70.46 $71.61
Tangible Book Value per Share		 $37.00 $40.43 $41.10 $41.95 $44.08 $44.35 $46.19 $47.35 $49.83 $52.13 $53.30
Total Capital		 579 602 566 621 530 597 610 627 607 647 542
Total Debt		 316 322 284 335 232 298 302 313 280 309 199
Total Long-Term Debt		 316 322 284 335 232 298 302 313 280 309 199
Net Debt		 268 265 250 293 191 252 261 260 245 271 162
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 316 322 284 335 232 298 302 313 280 309 199
Total Depreciation and Amortization (D&A)		 -0.70 0.16 -0.09 -0.43 -0.14 0.66 -0.13 -0.21 -0.39 -0.36 -0.34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.61 $1.72 $1.49 $1.11 $1.59 $1.67 $1.60 $1.76 $2.09 $2.17 $2.16
Adjusted Weighted Average Basic Shares Outstanding		 4.70M 4.43M 4.70M 4.75M 4.75M 4.75M 4.75M 4.80M 4.80M 4.80M 4.80M
Adjusted Diluted Earnings per Share		 $1.61 $1.72 $1.49 $1.11 $1.59 $1.66 $1.60 $1.76 $2.09 $2.17 $2.16
Adjusted Weighted Average Diluted Shares Outstanding		 4.70M 4.43M 4.70M 4.75M 4.75M 4.76M 4.75M 4.80M 4.80M 4.80M 4.80M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.71M 4.71M 4.71M 4.76M 4.76M 4.76M 4.76M 4.81M 0.00 0.00 4.80M
Normalized Net Operating Profit after Tax (NOPAT)		 8.06 7.54 7.02 5.28 7.54 7.98 7.62 8.44 10 10 10
Normalized NOPAT Margin		 30.93% 29.75% 27.09% 21.41% 30.05% 30.46% 28.84% 30.89% 34.51% 35.40% 34.82%
Pre Tax Income Margin		 35.09% 36.40% 32.79% 25.93% 36.88% 36.41% 35.67% 38.14% 42.63% 44.20% 42.62%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.64 0.55 0.50 0.38 0.53 0.56 0.59 0.69 0.82 0.88 0.90
NOPAT to Interest Expense		 0.53 0.45 0.41 0.32 0.43 0.47 0.48 0.56 0.66 0.70 0.73
EBIT Less CapEx to Interest Expense		 0.64 0.55 0.50 0.38 0.53 0.56 0.59 0.69 0.82 0.88 0.90
NOPAT Less CapEx to Interest Expense		 0.53 0.45 0.41 0.32 0.43 0.47 0.48 0.56 0.66 0.70 0.73
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 44.65% 47.74% 49.44% 33.78% 33.88% 33.44% 32.91% 29.76% 27.82% 26.11% 24.40%
Augmented Payout Ratio		 46.11% 49.23% 51.16% 35.04% 34.63% 34.40% 33.89% 31.29% 29.09% 27.60% 26.04%

Financials Breakdown Chart

Key Financial Trends

Citizens Financial Services (NASDAQ: CZFS) continued to post solid profitability in Q1 2026, but the quarter also showed signs of pressure on core funding costs and balance sheet leverage. Compared with Q1 2025, earnings improved slightly, operating cash flow stayed strong, and capital levels held firm, though deposits and debt trends were mixed.

  • Net income rose year over year. Q1 2026 net income was $10.4 million, up from $7.0 million in Q1 2025, showing earnings growth despite a tougher funding environment.
  • Pre-tax profit improved meaningfully. Pre-tax income increased to $12.7 million from $9.4 million a year earlier, helped by stable revenue and better operating efficiency.
  • Operating cash flow remained strong. CZFS generated $18.0 million in operating cash flow in Q1 2026, a healthy result for a regional bank.
  • Deposit growth was positive in the quarter. Net change in deposits was a $64.2 million inflow in Q1 2026, a favorable sign for funding stability.
  • Shareholders’ equity increased over the year. Total common equity rose to $343.6 million from $308.3 million in Q1 2025, supporting book value strength.
  • Retained earnings continued to build. Retained earnings climbed to $221.6 million from $194.7 million a year earlier, reflecting ongoing profitability.
  • Revenue was roughly flat year over year. Total revenue was $29.8 million versus $26.4 million in Q1 2025, a modest improvement rather than a breakout trend.
  • Non-interest income remained a smaller part of the mix. Non-interest income was $3.7 million, which still leaves the company heavily dependent on net interest income.
  • Balance sheet size declined slightly from year-end. Total assets were $3.03 billion, down from $3.06 billion in Q3 2025, indicating only limited asset expansion.
  • Net cash declined modestly. Despite strong operating cash flow, the quarter ended with a $1.2 million decrease in cash and equivalents due to investing and financing outflows.
  • Interest expense remains a major drag. Deposit interest expense was $11.3 million and long-term debt interest expense was $2.9 million, keeping funding costs elevated.
  • Debt balances remain meaningful. Long-term debt was $198.7 million at quarter-end, and leverage is still a key factor investors should watch.
  • Deposit balances were below late-2025 levels. Total deposits were lower than in Q3 2025, suggesting some volatility in funding trends.

Bottom line: CZFS looks profitable and cash-generative, with improving earnings and solid equity backing. The main thing to watch is whether the bank can keep growing deposits and control funding costs, since those pressures can limit margin expansion even when loan and fee income are stable.

07/06/26 10:14 PM ETAI Generated. May Contain Errors.

Citizens Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Citizens Financial Services' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Citizens Financial Services' net income appears to be on an upward trend, with a most recent value of $36.57 million in 2025, rising from $11.63 million in 2015. The previous period was $27.82 million in 2024. Check out Citizens Financial Services' forecast to explore projected trends and price targets.

Over the last 10 years, Citizens Financial Services' total revenue changed from $38.26 million in 2015 to $112.35 million in 2025, a change of 193.7%.

Citizens Financial Services' total liabilities were at $2.73 billion at the end of 2025, a 0.0% increase from 2024, and a 161.4% increase since 2015.

In the past 10 years, Citizens Financial Services' cash and equivalents has ranged from $14.05 million in 2021 to $37.73 million in 2023, and is currently $23.93 million as of their latest financial filing in 2025.

Over the last 10 years, Citizens Financial Services' book value per share changed from 39.91 in 2015 to 70.46 in 2025, a change of 76.6%.


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Financial statements for NASDAQ:CZFS last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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