CZFS

Citizens Financial Services, Inc.
$78.94
-0.71 (-0.89%)
Mkt Cap 379.30M
Volume 22,536
52W Range 52.35-84.65
Sector Financial Services
Beta 0.39
EPS (TTM) 8.57 USD
P/E Ratio 9.21
Revenue (TTM) 175.88M USD
Rev Growth (5Y) +16.2%
EPS Growth (5Y) +4.0%
AlphaVal · Fair Value
What we estimate one share is worth
$208.18
Undervalued strong signal
62.1% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
B-
Banks, Insurers & Asset Managers
65.4 / 100 composite
A bank, insurer or asset manager — graded A–F vs. similar companies.

Company Description

Track Record

Showing latest 4 periods • Swipe for more
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Revenue 173.24M 168.62M 138.72M 93.09M 85.52M 81.72M 70.37M 64.49M 56.75M 50.90M 43.08M 42.65M
Net Income 36.57M 27.82M 17.81M 29.06M 29.12M 25.10M 19.49M 18.03M 13.03M 12.64M 11.63M 13.38M
EPS 7.62 5.80 3.98 7.10 7.09 6.27 5.27 4.84 3.49 3.36 3.39 3.88
Free Cash Flow 35.24M 31.87M 23.92M 31.61M 37.59M 10.88M 21.28M 20.99M 15.53M 15.61M 12.04M 14.87M
FCF / Share 7.35 6.71 5.40 7.81 9.25 2.75 5.75 5.64 4.16 4.15 3.51 4.30
Operating CF 36.53M 33.18M 26.54M 33.24M 38.69M 11.82M 21.77M 21.49M 15.74M 16.19M 12.81M 16.18M
Total Assets 3.06B 3.03B 2.98B 2.33B 2.14B 1.89B 1.47B 1.43B 1.36B 1.22B 1.16B 925.05M
Total Debt 309.45M 297.72M 302.04M 257.28M 73.98M 88.84M 85.12M 91.19M 114.66M 79.66M 41.63M 41.80M
Cash & Equiv 38.11M 46.02M 56.89M 32.27M 183.86M 82.47M 32.78M 32.30M 28.80M 24.71M 32.08M 17.38M
Book Value 338.05M 299.73M 279.67M 200.15M 212.49M 194.26M 154.77M 139.23M 129.01M 123.27M 119.76M 100.53M
Return on Equity 0.11 0.09 0.06 0.15 0.14 0.13 0.13 0.13 0.10 0.10 0.10 0.13
CZFS News
Citizens Financial Services (CZFS) Could Be a Great Choice
Oct 02, 2026 08:46 AM · zacks.com
BlackRock Inc. Acquires Shares of 354,551 Citizens Financial Services Inc. $CZFS
Sep 02, 2026 11:50 PM · defenseworld.net
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
Aug 31, 2026 08:46 AM · zacks.com
Despite Recent Gains, Opportunity Remains With Citizens Financial Services
Aug 29, 2026 08:28 PM · seekingalpha.com
7,797 Shares in Citizens Financial Services Inc. $CZFS Bought by Great Lakes Advisors LLC
Aug 23, 2026 11:57 PM · defenseworld.net
All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy
Aug 14, 2026 09:01 AM · zacks.com
Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio
Aug 14, 2026 08:46 AM · zacks.com
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