CZFS — CITIZENS FINANCIAL SERVICES INC
—
Nasdaq ·
Financials ·
Banks ·
CIK 739421 ·
Last close
$64.86
Market Cap
$311.65M
52W High
$69.58
52W Low
$56.50
ADV30
5,493
Next earnings
—
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | GrossProfit | OpIncome | NetIncome | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Mar 2026 | — | — | — | — | — | — | — |
| Dec 2025 | 29,609,000 | — | — | 10,483,000 | 3,064,564,000 | 38,111,000 | 2,726,513,000 |
| Sep 2025 | 28,994,000 | — | — | 10,005,000 | 3,056,421,000 | 34,895,000 | 2,728,739,000 |
| Jun 2025 | 27,313,000 | — | — | 8,463,000 | 2,967,274,000 | 53,304,000 | 2,653,621,000 |
Cashflow TTM (yfinance, fills SEC gap)
Operating CF
$36,534,000
Investing CF
$-40,076,000
Financing CF
$-4,369,000
CapEx
$-1,296,000
Dividends Paid
$-9,548,000
Buybacks
$-545,000
EPS Diluted TTM
$8.19
As of
2026-05-10
Balance + Analyst (yfinance extras)
Retained Earnings
$213,623,000
Inventory
—
Receivables
$10,698,000
ST Investments
$36,054,000
EBIT TTM
—
Pretax Income TTM
$45,238,000
Interest Exp TTM
$61,167,000
Analysts
1
Yahoo Snapshot (yfinance, live)
Total Revenue
$113,469,000
EBITDA
—
Free Cash Flow
—
Enterprise Value
$470,543,136
Total Cash
$44,029,000
Total Debt
$202,924,000
Shares Out
4,804,936
Trailing EPS
$8.17
Book Value
$71.50
ROE
12.1%
ROA
1.3%
Div Yield
3.13%
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | OpIncome | NetIncome | Assets | Liabilities | Equity | OCF |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 112,345,000 | — | 36,572,000 | 3,064,564,000 | 2,726,513,000 | — | 36,534,000 |
| Dec 2024 | 100,754,000 | — | 27,818,000 | 3,025,724,000 | 2,725,990,000 | — | 33,182,000 |
| Dec 2023 | 91,865,000 | — | 17,811,000 | 2,975,321,000 | 2,695,655,000 | — | 26,537,000 |
| Dec 2022 | 81,872,000 | — | 29,060,000 | 2,333,393,000 | 2,133,246,000 | — | 33,240,000 |
TTM Snapshot
Revenues TTM
$6,118,000
NetIncome TTM
$15,789,000
OpCashFlow TTM
$0
Assets (Latest)
$1,466,339,000
Forward EPS
$8.31
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| COSO | CoastalSouth Bancshares, Inc. | $311.12M | $25.85 | — |
| JMSB | John Marshall Bancorp, Inc. | $300.87M | $21.32 | — |
| ISBA | ISABELLA BANK CORP | $299.57M | $41.59 | — |
| LNKB | LINKBANCORP, Inc. | $325.59M | $8.69 | — |
| FNLC | First Bancorp, Inc /ME/ | $326.32M | $28.94 | — |
News headlines (Yahoo Finance, 1h cache)
Is Citizens Financial Services (CZFS) Stock Undervalued Right Now?
2026-05-26 13:40 · Yahoo
Citizens Financial Services (CZFS) is a Top Dividend Stock Right Now: Should You Buy?
2026-05-25 15:45 · Yahoo
Exploring 3 Undervalued Small Caps With Insider Action To Enhance Your Portfolio
2026-05-19 11:39 · Yahoo
Are Investors Undervaluing Capital Bancorp (CBNK) Right Now?
2026-05-11 13:40 · Yahoo
Citizens Financial Services (CZFS) Could Be a Great Choice
2026-05-08 15:45 · Yahoo
Discover Citizens Financial Services And Two More Top Dividend Stocks
2026-04-30 11:31 · Yahoo
Citizens Financial Services (CZFS) Beats Q1 Earnings and Revenue Estimates
2026-04-29 12:25 · Yahoo
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2026 FINANCIAL RESULTS
2026-04-29 11:05 · Yahoo
HBT Financial (HBT) Surpasses Q1 Earnings and Revenue Estimates
2026-04-27 12:10 · Yahoo
Pathward Financial (CASH) Matches Q2 Earnings Estimates
2026-04-22 21:45 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.