Citizens Financial Services, Inc. CZFS R2K

Financial Services · Banks - Regional · United States

https://www.firstcitizensbank.com

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

Market & Price

Market Cap

$312.46M

Current Price

$65.03

High / Low (52W)

$69.02 / $51.16

Beta

0.40

Valuation

Stock P/E

7.94

Industry PE

12.01

Forward P/E

7.83

PEG Ratio

Book Value

$71.50

Price to Book

0.91

P/S

2.75

EV/EBITDA

Dividend Yield

3.08%

Profitability & Returns

ROCE

ROE

12.07%

ROA

1.30%

Profit Margin

34.66%

Op Margin

45.73%

EPS (Latest Qtr)

$2.16

EPS (TTM)

$8.19

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$202.92M

Total Assets

$3.06B

Current Assets

Working Capital

Ownership

Promoter Holding

6.35%

Chg in Prom Hold

FII / Inst Holding

29.81%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$471.36M

Total Revenue (TTM)

$113.47M

EBITDA

Free Cash Flow

Operating Cash Flow

$43.61M

Shares Outstanding

4.80M

Gross Margin

0.00%

Payout Ratio

24.36%

Growth (CAGR)

Revenue 5Y

11.12%

Profit 5Y

7.97%

Revenue (YoY)

13.60%

Earnings (YoY)

36.00%

PROS

Excellent profit margin of 34.7%.
Compounding revenue at 11.1% over 5 years.
Attractive dividend yield of 3.08%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	CZFS Citizens Financial Services, Inc. R2K	65.03	7.94	$312.46M	3.08%	-	12.07%	11.12%	7.97%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	1.62M	1.57M	1.63M	-	1.74M	1.72M	1.74M	-	1.73M	1.45M	1.76M	-	1.90M	1.87M	1.94M	-	2.12M	2.13M	2.27M	2.07M	2.03M	2.60M	2.41M	2.39M	-	-	26.43M	27.31M	28.99M	29.61M	29.80M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.01M	15.10M	15.11M	14.94M	14.16M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.43M	10.42M	12.36M	13.09M	12.70M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.80M	1.95M	2.35M	2.60M	2.33M
Net Income	2.46M	3.28M	3.03M	3.15M	3.17M	3.30M	3.47M	3.65M	2.60M	4.25M	4.69M	4.58M	4.51M	4.41M	4.85M	5.20M	5.04M	4.53M	5.34M	8.01M	7.23M	8.46M	6.65M	7.06M	6.94M	6.74M	6.90M	7.54M	6.87M	-4.14M	7.55M	7.02M	5.28M	-	-	7.62M	8.46M	10.01M	10.48M	10.38M
Diluted EPS	0.79	0.93	0.86	0.90	0.91	0.93	0.99	1.04	0.74	1.19	1.32	1.30	1.28	1.24	1.36	1.46	1.42	1.26	1.37	2.02	1.83	2.14	1.67	1.77	1.76	1.69	1.72	1.88	1.71	-1.00	1.59	1.48	1.10	-	-	1.59	1.76	2.09	2.18	2.16

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	6.51M	6.93M	6.66M	-	81.87M	91.86M	100.75M	112.34M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	11.22M	46.86M	67.86M	61.17M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	35.49M	21.57M	33.88M	45.24M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	6.43M	3.76M	6.07M	8.67M
Net Income	9.86M	11.50M	12.83M	14.21M	13.38M	13.38M	11.63M	12.64M	13.03M	18.03M	19.49M	25.10M	-	29.06M	17.81M	27.82M	36.57M
Diluted EPS	-	3.90	4.16	4.60	4.38	4.36	3.60	3.57	3.67	5.04	5.41	6.46	-	7.10	3.98	5.79	7.62

Compounded Sales Growth

5 Years:	11.12%
1 Year:	13.60%

Compounded Profit Growth

5 Years:	7.97%
1 Year:	36.00%

Stock Price Performance

1 Year:	+9.85%
6 Months:	+15.47%
3 Months:	+9.19%
1 Month:	+0.12%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	812.53M	878.57M	882.43M	914.93M	925.05M	1.16B	1.22B	1.36B	1.43B	1.47B	1.89B	2.14B	2.33B	2.98B	3.03B	3.06B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	19.86M	31.45M	43.99M	30.43M	26.33M	10.08M	11.42M	24.38M	17.75M	18.52M	16.80M	18.52M	68.71M	172.83M	32.27M	56.89M	46.02M	38.11M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.33M	11.04M	10.31M	10.70M
Total Liabilities	-	-	743.84M	797.10M	792.95M	822.88M	824.52M	1.04B	1.10B	1.23B	1.29B	1.31B	1.70B	1.93B	2.13B	2.70B	2.73B	2.73B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	257.28M	271.42M	272.81M	293.95M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	257.28M	283.99M	280.38M	293.95M
Total Equity	52.77M	61.53M	68.69M	81.47M	89.47M	92.06M	100.53M	119.76M	123.27M	129.01M	139.23M	154.77M	194.26M	212.49M	200.15M	279.67M	299.73M	338.05M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.56M	5.26M	5.26M	5.26M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	9.93M	12.82M	15.56M	14.81M	17.82M	-	12.81M	16.19M	15.74M	21.49M	21.77M	11.82M	-	33.24M	26.54M	33.18M	36.53M
Investing Cash Flow	-46.89M	-73.75M	-76.14M	-8.17M	-60.94M	-	19.06M	-70.08M	-105.42M	-72.35M	-32.32M	-110.73M	-	-362.45M	59.47M	-69.07M	-40.08M
Financing Cash Flow	48.55M	73.48M	47.01M	-10.74M	26.87M	-	-18.91M	47.25M	90.45M	49.15M	12.28M	149.10M	-	182.59M	-59.40M	25.27M	-4.37M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-1.63M	-2.62M	-1.31M	-1.30M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	31.61M	23.92M	31.87M	35.24M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-146.62M	26.61M	-10.62M	-7.91M
Share Buybacks	286.00K	386.00K	851.00K	1.35M	1.48M	814.00K	2.46M	3.23M	979.00K	1.18M	1.29M	2.12M	1.37M	1.28M	265.00K	202.00K	358.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	276.9%	281.4%	376.9%	-	35.5%	19.4%	27.6%	32.6%
ROE %	16.0%	16.7%	15.8%	15.9%	14.5%	13.3%	9.7%	10.3%	10.1%	13.0%	12.6%	12.9%	-	14.5%	6.4%	9.3%	10.8%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

6.35%

Institutions

29.81%

Public Float

31.83%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.43%	331.29K	$21.54M
2	Vanguard Capital Management LLC	5.13%	201.70K	$13.12M
3	Citizens & Northern Corp	2.98%	117.06K	$7.61M
4	Geode Capital Management, LLC	2.86%	112.46K	$7.31M
5	State Street Corporation	2.39%	93.93K	$6.11M
6	American Century Companies Inc	1.12%	44.19K	$2.87M
7	Hudock, Inc.	1.04%	40.79K	$2.65M
8	Charles Schwab Investment Management, Inc.	0.96%	37.62K	$2.45M
9	Northern Trust Corporation	0.94%	37.09K	$2.41M
10	Vanguard Fiduciary Trust Co	0.78%	30.55K	$1.99M

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