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Citizens Financial Services, Inc. (CZFS)

Profile

Full Name

Citizens Financial Services, Inc.

Ticker

NASDAQ: CZFS

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

January 4, 1999

Indexes

Not included

Website

https://www.firstcitizensbank.com

Employees

380

Key Details

Price

$59.96(-0.88%)

Market cap

$288.23M(Small cap)

Last Dividend

$0.49

TTM Dividend yield

3.26%

Annual revenue

$169.51M(+22.34% YoY)

Annual EPS

$5.79(+44.09% YoY)

PE ratio

9.07

Next earnings date

Oct 30, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $59.96
    CZFS price is $59.96

    30-Day Relative Volume

    0.64
    CZFS 30-day relative volume is 0.64

    Price Performance

    Price Most recent change

    -0.88%
    CZFS price was down -0.88% on Aug 29, 2025

    Price YTD change

    -5.29%
    CZFS price is down -5.29% since January 1st

    Price 1-year change

    +5.25%
    CZFS price is up +5.25% year-on-year

    Price 3-year change

    -27.41%
    CZFS price is down -27.41% over the past 3 years

    Price Range

    Price All-time high

    $92.00
    CZFS price is currently -34.83% below its historical high of $92.00

    Price 3-year low

    $38.91
    CZFS price is currently +54.10% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $288.23M
    CZFS market capitalization is $288.23 million

    Market cap 3-year change

    -14.7%
    CZFS market capitalization is down -14.7% over the past 3 years

    Market cap All-time high

    $414.39M
    CZFS market capitalization is currently -30.44% below its historical high of $414.39 million

    Market cap sector rank

    37.8%
    CZFS market capitalization is higher than 37.8% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -0.01%
    CZFS shares outstanding is down -0.01% year-on-year

    Shares Outstanding 3-Year Change

    +17.51%
    CZFS shares outstanding is up +17.51% over the past 3 years

    Technical Indicators

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    Beta

    1.01
    CZFS beta is 1.01

    200-day SMA

    $60.73
    CZFS price is currently -1.26% below its 200-day simple moving average

    50-day SMA

    $58.55
    CZFS price is currently +2.41% above its 50-day simple moving average

    RSI

    55.22
    CZFS 14-day relative strength index is 55.22

    Volume

    0.64
    CZFS 30-day relative volume is 0.64

    ATR

    $1.81
    CZFS average true range is $1.81

    10-day Historical Volatility

    37.17%
    CZFS 10-day historical volatility is 37.17%

    Dividend

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    Events

    Last Paid Dividend

    $0.49
    CZFS last dividend was $0.49 per share, with an ex-dividend date of June 13, 2025

    Next Dividend

    -
    CZFS next dividend has not yet been announced

    Dividend per share

    Dividend per share

    $1.94
    CZFS annual dividend per share is $1.94

    Dividend per share Sector Rank

    83.26%
    CZFS annual dividend per share is higher than 83.26% of companies in Financial Services sector

    Dividend per share 1-Year Change

    +1.52%
    CZFS annual dividend per share is up +1.52% year-on-year

    Dividend per share 3-Year Change

    +7.97%
    CZFS annual dividend per share is up +7.97% over the past 3 years

    Dividend yield

    Dividend yield

    3.23%
    CZFS annual dividend yield is 3.23%

    Dividend yield Sector Rank

    37.18%
    CZFS annual dividend yield is higher than 37.18% of companies in Financial Services sector

    Other

    Payout ratio

    33.44%
    CZFS annual payout ratio is 33.44%

    Dividends paid

    $9.30M
    CZFS annual dividends paid is $9.30 million

    Free cash flow

    $31.87M
    CZFS annual free cash flow is $31.87 million

    Income Statement

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    Revenue

    Revenue

    $169.51M
    CZFS annual revenue is $169.51 million

    Revenue Analysts estimate

    -
    CZFS annual revenue consensus analysts' forecast is unknown

    Revenue 1-year change

    +22.34%
    CZFS annual revenue is up +22.34% year-on-year

    Revenue Sector rank

    57.79%
    CZFS annual revenue is higher than 57.79% of companies in Financial Services sector

    EPS

    EPS

    $5.79
    CZFS annual earnings per share is $5.79

    EPS Analysts estimate

    $6.90
    CZFS annual earnings per share is currently -16.06% lower than the consensus analysts' forecast

    EPS 1-year change

    +44.09%
    CZFS annual earnings per share is up +44.09% year-on-year

    EPS Sector rank

    89.11%
    CZFS annual earnings per share is higher than 89.11% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    CZFS annual gross profit is $0.00

    Gross margin

    0.00%
    CZFS annual gross profit margin is 0.00%

    Operating profit

    $33.68M
    CZFS annual operating income is $33.68 million

    Operating margin

    19.87%
    CZFS annual operating profit margin is 19.87%

    Net income

    $27.82M
    CZFS annual net profit is $27.82 million

    Net margin

    16.41%
    CZFS annual net profit margin is 16.41%

    Expenses

    Total expenses

    $141.69M
    CZFS annual total expenses is $141.69 million

    Operating expenses

    -$33.68M
    CZFS annual total operating expenses is -$33.68 million

    Cost of goods sold

    -
    CZFS annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $0.00
    CZFS annual SGA is $0.00

    Depreciation and amortization

    $1.81M
    CZFS annual depreciation & amortization is $1.81 million

    Interest expense

    $67.86M
    CZFS annual interest expense is $67.86 million

    Income tax

    $5.87M
    CZFS annual income tax is $5.87 million

    EBIT & EBITDA

    EBIT

    $101.55M
    CZFS annual earnings before interest & taxes is $101.55 million

    EBITDA

    $103.35M
    CZFS annual EBITDA is $103.35 million

    Balance Sheet

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    Assets

    Total assets

    $3.03B
    CZFS annual total assets is $3.03 billion

    Non current assets

    $2.89B
    CZFS annual long term assets is $2.89 billion

    Current assets

    $492.61M
    CZFS annual total current assets is $492.61 million

    Cash and cash equivalents

    $46.02M
    CZFS annual cash & cash equivalents is $46.02 million

    Accounts receivable

    $10.31M
    CZFS annual accounts receivable is $10.31 million

    Inventory

    -
    CZFS annual inventory value is unknown

    Liabilities

    Total liabilities

    $2.73B
    CZFS annual total liabilities is $2.73 billion

    Long term liabilities

    $2.69B
    CZFS annual total long term liabilities is $2.69 billion

    Current liabilities

    $4.69M
    CZFS annual total current liabilities is $4.69 million

    Accounts payable

    $4.69M
    CZFS annual accounts payable is $4.69 million

    Debt

    Total debt

    $307.82M
    CZFS annual total debt is $307.82 million

    Total debt 1-year change

    -7.62%
    CZFS annual total debt is down -7.62% year-on-year

    Long term debt

    $297.72M
    CZFS annual long term debt is $297.72 million

    Short term debt

    $272.72M
    CZFS annual short term debt is $272.72 million

    Equity & Capital

    Shareholders equity

    $299.73M
    CZFS annual stockholders equity is $299.73 million

    Book value

    $299.73M
    CZFS annual book value is $299.73 million

    Retained earnings

    $189.44M
    CZFS annual retained earnings is $189.44 million

    Working capital

    $487.92M
    CZFS annual working capital is $487.92 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $33.18M
    CZFS annual cash flow from operations is $33.18 million

    Cash from operations 1-year change

    +25.04%
    CZFS annual cash flow from operations is up +25.04% year-on-year

    Cash from investing

    -$69.07M
    CZFS annual cash flow from investing activities is -$69.07 million

    Cash from investing 1-year change

    -216.16%
    CZFS annual cash flow from investing activities is down -216.16% year-on-year

    Cash from financing

    $25.27M
    CZFS annual cash flow from financing activities is $25.27 million

    Cash from financing 1-year change

    +142.55%
    CZFS annual cash flow from financing activities is up +142.55% year-on-year

    CAPEX

    CAPEX

    $1.31M
    CZFS annual capital expenditures is $1.31 million

    CAPEX 1-year change

    -49.79%
    CZFS annual capital expenditures is down -49.79% year-on-year

    Free Cash Flow

    Free cash flow

    $31.87M
    CZFS annual free cash flow is $31.87 million

    Free cash flow 1-year change

    +33.23%
    CZFS annual free cash flow is up +33.23% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    CZFS annual gross profit margin is 0.00%

    Operating margin

    19.87%
    CZFS annual operating profit margin is 19.87%

    Net margin

    16.41%
    CZFS annual net profit margin is 16.41%

    ROA & ROE

    ROA

    0.92%
    CZFS annual return on assets is 0.92%

    ROE

    9.60%
    CZFS annual return on equity is 9.60%

    Valuation

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    PE Ratio

    PE ratio

    9.07
    CZFS price to earnings ratio is 9.07

    PE ratio Sector rank

    10.57%
    CZFS price to earnings ratio is higher than 10.57% of companies in Financial Services sector

    PB Ratio

    PB ratio

    0.92
    CZFS price to book ratio is 0.92

    PB ratio Sector rank

    23.95%
    CZFS price to book ratio is higher than 23.95% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.69
    CZFS price to sales ratio is 1.69

    PS ratio Sector rank

    34.77%
    CZFS price to sales ratio is higher than 34.77% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $551.96M
    CZFS enterprise value is $551.96 million

    Enterprise value Sector rank

    49.86%
    CZFS enterprise value is higher than 49.86% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    CZFS EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    CZFS EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    104.97
    CZFS annual current ratio is 104.97

    Quick ratio

    -
    CZFS annual quick ratio value is unknown

    Leverage

    Debt to equity

    0.99
    CZFS annual debt to equity ratio is 0.99

    Interest coverage ratio

    1.50
    CZFS annual interest coverage ratio is 1.50

    Risk & Stability

    Piotroski F-Score

    4
    CZFS piotroski f-score is 4

    Altman Z-Score

    0.51
    CZFS altman z-score is 0.51

    Analyst ratings

    Recent major analysts updates

    Apr 30, 24 Janney Montgomery Scott
    Buy
    Jun 29, 23 Janney Montgomery Scott
    Neutral
    Jan 26, 21 Janney Montgomery Scott
    Buy

    Institutional Ownership

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    • What is the ticker symbol for Citizens Financial Services, Inc.?
    • Does Citizens Financial Services, Inc. pay dividends?
    • What sector is Citizens Financial Services, Inc. in?
    • What industry is Citizens Financial Services, Inc. in?
    • What country is Citizens Financial Services, Inc. based in?
    • When did Citizens Financial Services, Inc. go public?
    • Is Citizens Financial Services, Inc. in the S&P 500?
    • Is Citizens Financial Services, Inc. in the NASDAQ 100?
    • Is Citizens Financial Services, Inc. in the Dow Jones?
    • When was Citizens Financial Services, Inc.'s last earnings report?
    • When does Citizens Financial Services, Inc. report earnings?

    What is the ticker symbol for Citizens Financial Services, Inc.?

    The ticker symbol for Citizens Financial Services, Inc. is NASDAQ:CZFS

    Does Citizens Financial Services, Inc. pay dividends?

    Yes, Citizens Financial Services, Inc. pays dividends. The last payment was $0.49, with an ex-dividend date on June 13, 2025

    What sector is Citizens Financial Services, Inc. in?

    Citizens Financial Services, Inc. is in the Financial Services sector

    What industry is Citizens Financial Services, Inc. in?

    Citizens Financial Services, Inc. is in the Regional Banks industry

    What country is Citizens Financial Services, Inc. based in?

    Citizens Financial Services, Inc. is headquartered in United States

    When did Citizens Financial Services, Inc. go public?

    Citizens Financial Services, Inc.'s initial public offering (IPO) was on January 4, 1999

    Is Citizens Financial Services, Inc. in the S&P 500?

    No, Citizens Financial Services, Inc. is not included in the S&P 500 index

    Is Citizens Financial Services, Inc. in the NASDAQ 100?

    No, Citizens Financial Services, Inc. is not included in the NASDAQ 100 index

    Is Citizens Financial Services, Inc. in the Dow Jones?

    No, Citizens Financial Services, Inc. is not included in the Dow Jones index

    When was Citizens Financial Services, Inc.'s last earnings report?

    Citizens Financial Services, Inc.'s most recent earnings report was on July 30, 2025

    When does Citizens Financial Services, Inc. report earnings?

    The next expected earnings date for Citizens Financial Services, Inc. is October 30, 2025
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