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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.34M | - | $2.77M | $2.37M | $2.44M | - | $2.51M | $2.39M | $2.41M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $12.70M | - | $12.36M | $10.42M | $9.38M | - | $9.25M | $6.39M | $8.50M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $16.98M | - |
| Income Tax | $2.33M | - | $2.35M | $1.95M | $1.75M | - | $1.71M | $1.11M | $1.48M | - |
| Net Income | $10.38M | - | $10.01M | $8.46M | $7.62M | - | $7.54M | $5.28M | $7.02M | - |
| EPS - Basic | $2.16 | - | $2.09 | $1.76 | $1.60 | - | $1.59 | $1.11 | $1.48 | - |
| EPS - Diluted | $2.16 | - | $2.09 | $1.76 | $1.60 | - | $1.59 | $1.11 | $1.48 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $33.10M | $34.29M | $31.07M | $49.48M | $36.79M | $42.20M | $36.76M | $38.43M | $29.62M | $52.82M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $3.03B | $3.06B | $3.06B | $2.97B | $3.02B | $3.03B | $3.03B | $2.95B | $2.92B | $2.98B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $2.68B | $2.73B | $2.73B | $2.65B | $2.71B | $2.73B | $2.73B | $2.66B | $2.64B | $2.70B |
| Stockholders' Equity | $343.58M | $338.05M | $327.68M | $313.65M | $308.30M | $299.73M | $298.65M | $286.47M | $282.67M | $279.67M |
| Retained Earnings | $221.60M | $213.62M | $205.54M | $197.94M | $194.71M | $189.44M | $183.79M | $178.59M | $177.69M | $172.97M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $18.02M | - | - | - | $10.95M | - | - | - | $13.46M | - |
| Investing Cash Flow | $29.94M | - | - | - | ($728.0K) | - | - | - | $23.11M | - |
| Financing Cash Flow | ($49.15M) | - | - | - | ($15.63M) | - | - | - | ($59.77M) | - |
| CapEx | $125.0K | - | - | - | $585.0K | - | - | - | $99.0K | - |
| Free Cash Flow | $17.89M | - | - | - | $10.36M | - | - | - | $13.36M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 543.5% | - | 446.0% | 440.1% | 384.4% | - | 368.5% | 267.3% | 352.3% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 444.0% | - | 361.1% | 357.5% | 312.5% | - | 300.2% | 220.7% | 291.1% | - |
| Free cash flow margin | 765.6% | - | - | - | 424.8% | - | - | - | 553.5% | - |
| FCF / Net income | 1.72 | - | - | - | 1.36 | - | - | - | 1.90 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.3% | - | 19.1% | 18.8% | 18.7% | - | 18.5% | 17.4% | 17.4% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.3% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 3.0% | - | 3.1% | 2.7% | 2.5% | - | 2.5% | 1.8% | 2.5% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.5x | - |
| Equity multiplier | 8.81 | 9.07 | 9.33 | 9.46 | 9.78 | 10.09 | 10.13 | 10.29 | 10.33 | 10.64 |
| Liabilities / Assets | 0.89 | 0.89 | 0.89 | 0.89 | 0.90 | 0.90 | 0.90 | 0.90 | 0.90 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 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 | 28.3x | - | 28.8x | 33.4x | 36.3x | - | 36.9x | 40.5x | 33.0x | - |
| P / B | 0.9x | - | 0.9x | 0.9x | 0.9x | - | 0.9x | 0.7x | 0.8x | - |
| P / S | 125.6x | - | 104.4x | 119.1x | 113.1x | - | 111.2x | 89.4x | 94.9x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | -4.2% | - | 10.4% | -1.0% | 1.1% | - | -3.4% | 17.5% | 16.6% | - |
| Revenue CAGR (3y) | 4.1% | - | 6.9% | 3.5% | 4.8% | - | 9.0% | 8.5% | 8.3% | - |
| Revenue CAGR (5y) | 4.2% | - | 9.5% | 10.4% | 7.2% | - | 7.6% | 6.8% | 6.8% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 35.5% | - | 33.6% | 63.1% | 10.3% | - | 1.1% | - | 0.3% | - |
| Net income growth (YoY) | 36.2% | - | 32.8% | 60.4% | 8.5% | - | -0.2% | - | 2.3% | - |
| EPS growth (YoY) | 35.0% | - | 31.4% | 58.6% | 8.5% | - | -1.2% | - | -14.7% | - |
| EPS CAGR (3y) | 7.7% | - | 3.2% | 0.4% | -2.2% | - | -3.9% | -13.1% | -11.9% | - |
| EPS CAGR (5y) | 0.0% | - | 0.5% | 4.8% | 4.4% | - | 1.4% | -4.3% | 3.2% | - |
| FCF growth (YoY) | 72.7% | - | - | - | -22.4% | - | - | - | 31.0% | - |
| FCF CAGR (5y) | 6.3% | - | - | - | 19.6% | - | - | - | 23.5% | - |
| Book value growth (YoY) | 11.4% | 12.8% | 9.7% | 9.5% | 9.1% | 7.2% | 13.7% | 8.8% | 32.6% | 39.7% |
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%
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 |