CZFS · Citizens Financial Services Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $9.88M | $9.61M | $8.97M | $8.59M | $7.74M | $6.66M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.63M | $1.24M | $1.15M | $877.0K | $922.0K | $921.0K |
| Operating Income | $45.24M | $33.68M | $21.52M | $35.49M | $30.37M | $30.37M |
| Interest Expense | - | - | $46.86M | $11.22M | $7.11M | $8.11M |
| Income Tax | $8.67M | $5.87M | $3.70M | $6.43M | $6.20M | $5.26M |
| Net Income | $36.57M | $27.82M | $17.81M | $29.06M | $29.12M | $25.10M |
| EPS - Basic | $7.62 | $5.86 | $4.02 | $7.18 | $7.16 | $6.41 |
| EPS - Diluted | $7.62 | $5.85 | $4.02 | $7.18 | $7.16 | $6.40 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $34.29M | $42.20M | $52.82M | $26.21M | $172.83M | $68.71M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $3.06B | $3.03B | $2.98B | $2.33B | $2.14B | $1.89B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $2.73B | $2.73B | $2.70B | $2.13B | $1.93B | $1.70B |
| Stockholders' Equity | $338.05M | $299.73M | $279.67M | $200.15M | $212.49M | $194.26M |
| Retained Earnings | $213.62M | $189.44M | $172.97M | $164.92M | $146.01M | $126.63M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $36.53M | $33.18M | $26.54M | $33.24M | $38.69M | $11.82M |
| Investing Cash Flow | ($40.08M) | ($69.07M) | $59.47M | ($362.45M) | ($158.23M) | ($110.73M) |
| Financing Cash Flow | ($4.37M) | $25.27M | ($59.40M) | $182.59M | $223.66M | $149.10M |
| CapEx | $1.30M | $1.31M | $2.62M | $1.63M | $1.10M | $942.0K |
| Free Cash Flow | $35.24M | $31.87M | $23.92M | $31.61M | $37.59M | $10.88M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 457.8% | 350.5% | 239.8% | 413.4% | 392.5% | 455.9% |
| EBITDA margin | 474.3% | 363.4% | 252.6% | 423.6% | 404.4% | 469.8% |
| Net margin | 370.1% | 289.5% | 198.5% | 338.4% | 376.3% | 376.9% |
| Free cash flow margin | 356.6% | 331.6% | 266.6% | 368.1% | 485.8% | 163.4% |
| FCF / Net income | 0.96 | 1.15 | 1.34 | 1.09 | 1.29 | 0.43 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 19.2% | 17.4% | 17.2% | 18.1% | 17.6% | 17.3% |
| Return on assets | 1.2% | 0.9% | 0.6% | 1.2% | 1.4% | 1.3% |
| Return on equity | 10.8% | 9.3% | 6.4% | 14.5% | 13.7% | 12.9% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.5x | 3.2x | 4.3x | 3.7x |
| Equity multiplier | 9.07 | 10.09 | 10.64 | 11.66 | 10.09 | 9.74 |
| Liabilities / Assets | 0.89 | 0.90 | 0.91 | 0.91 | 0.90 | 0.90 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 7.5x | 10.8x | 15.9x | 10.5x | 8.2x | 8.5x |
| P / B | 0.8x | 1.0x | 1.0x | 1.5x | 1.1x | 1.1x |
| P / S | 27.7x | 31.3x | 31.3x | 34.8x | 30.0x | 31.1x |
| EV / EBITDA | 5.1x | 7.4x | 10.1x | 7.5x | 1.9x | 4.4x |
| Growth | ||||||
| Revenue growth (YoY) | 2.8% | 7.1% | 4.5% | 11.0% | 16.2% | -3.8% |
| Revenue CAGR (3y) | 4.8% | 7.5% | 10.4% | 7.4% | 5.9% | - |
| Revenue CAGR (5y) | 8.2% | 6.8% | 6.6% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 34.3% | 56.6% | -39.4% | 16.9% | 0.0% | 30.3% |
| Net income growth (YoY) | 31.5% | 56.2% | -38.7% | -0.2% | 16.0% | 28.8% |
| EPS growth (YoY) | 30.3% | 45.5% | -44.0% | 0.2% | 12.0% | 15.7% |
| EPS CAGR (3y) | 2.0% | -6.5% | -14.3% | 9.1% | 11.7% | 19.6% |
| EPS CAGR (5y) | 3.6% | 1.1% | -4.8% | 13.9% | 13.6% | 10.8% |
| FCF growth (YoY) | 10.6% | 33.2% | -24.3% | -15.9% | 245.5% | -48.9% |
| FCF CAGR (5y) | 26.5% | 8.4% | 2.7% | 14.6% | 19.2% | -2.0% |
| Book value growth (YoY) | 12.8% | 7.2% | 39.7% | -5.8% | 9.4% | 25.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$173.51M totalCommunity Banking$173.51M · 100.0%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing CITIZENS FINANCIAL SERVICES INC against the 5 most active filers in the same SIC group.
Dividends
$1.99/share trailing 12 months · +1.5% YoY
| Ex-date | Per share |
|---|---|
| Mar 13, 2026 | $0.5000 |
| Dec 12, 2025 | $0.5000 |
| Sep 12, 2025 | $0.5000 |
| Jun 13, 2025 | $0.4900 |
| Mar 14, 2025 | $0.4950 |
| Dec 13, 2024 | $0.4900 |
| Sep 13, 2024 | $0.4900 |
| Jun 14, 2024 | $0.4850 |
| Mar 14, 2024 | $0.4851 |
| Dec 14, 2023 | $0.4851 |
| Sep 14, 2023 | $0.4851 |
| Jun 8, 2023 | $0.4802 |
| Mar 9, 2023 | $0.4754 |
| Dec 15, 2022 | $0.4705 |
| Sep 15, 2022 | $0.4705 |
| Jun 9, 2022 | $0.4656 |
| Mar 10, 2022 | $0.4610 |
| Dec 15, 2021 | $0.4562 |
| Sep 15, 2021 | $0.4562 |
| Jun 10, 2021 | $0.4465 |
| Mar 11, 2021 | $0.4513 |
| Dec 14, 2020 | $0.4465 |
| Sep 10, 2020 | $0.4465 |
| Jun 11, 2020 | $0.4416 |