CZFS - Citizens Financial Services, Inc.
NEXT EARNINGS:
Apr 29, 2026
EPS Est: $1.96
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
Market Cap:
290.50M
Volume:
8,589
Avg Volume:
10,651
52 Week Range:
49.99-69.3
Sector:
Financial Services
Industry:
Banks - Regional
Beta:
0.43
Last Dividend:
$1.99
Exchange:
NASDAQ
Country:
US
Employees:
379
IPO Date:
1999-01-04
EPS (TTM):
7.62
P/E Ratio:
7.48
Revenue (TTM):
173.24M
Total Assets:
3.06B
Total Debt:
309.45M
Cash & Equiv:
34.29M
Rev Growth (5Y):
16.2%
EPS Growth (5Y):
4.0%
FCF Growth (5Y):
8.4%
ROCE:
1.8%
Debt/Equity:
0.92
Earnings History
| Date | EPS Actual | EPS Est | EPS Surprise | Rev Actual | Rev Est | Rev Surprise |
|---|---|---|---|---|---|---|
| 2026-01-29 | $2.18 | $2.07 | +5.3% | $44.5M | — | — |
| 2025-10-30 | $2.09 | $1.76 | +18.7% | $44.1M | — | — |
| 2025-07-30 | $1.76 | $1.62 | +8.6% | $42.4M | — | — |
| 2025-04-30 | $1.60 | $1.49 | +7.4% | $42.4M | — | — |
| 2025-01-30 | $1.68 | $1.54 | +9.1% | $43.1M | — | — |
| 2024-10-30 | $1.59 | $1.38 | +15.2% | $25.1M | $22.5M | +11.6% |
| 2024-07-30 | $1.30 | $1.32 | -1.5% | $24.6M | $21.8M | +13.0% |
| 2024-04-25 | $1.34 | $1.55 | -13.5% | $24.8M | $22.9M | +8.4% |
| 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 |
| 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 | 27.39M | 77.24M | 91.13M | 85.12M | 91.19M | 114.66M | 79.66M | 41.63M | 41.80M |
| Cash & Equivalents | 34.29M | 46.02M | 56.89M | 32.27M | 183.86M | 82.47M | 32.78M | 32.30M | 28.80M | 24.71M | 32.08M | 17.38M |
| Operating Cash Flow | 0 | 33.18M | 26.54M | 33.24M | 38.69M | 11.82M | 21.77M | 21.49M | 15.74M | 16.19M | 12.81M | 16.18M |
| Free Cash Flow | 0 | 31.87M | 23.92M | 31.61M | 37.59M | 10.88M | 21.28M | 20.99M | 15.53M | 15.61M | 12.04M | 14.87M |
| FCF per Share | N/A | 6.71 | 5.40 | 7.81 | 9.25 | 2.75 | 5.75 | 5.64 | 4.16 | 4.15 | 3.51 | 4.30 |
| 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 |
| Cash & ST Investments | 479.03M | 93.14M | 474.49M | 471.77M | 596.26M | 377.65M | 273.48M | 273.31M | 283.58M | 338.73M | 391.82M | 323.53M |
| ROC 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 |