CZFS — CITIZENS FINANCIAL SERVICES INC
—
Nasdaq ·
Financials ·
Banks ·
CIK 739421 ·
Last close
$70.38
Market Cap
$338.17M
52W High
$74.70
52W Low
$59.56
ADV30
12,210
Next earnings
2026-07-29
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
$502,207,680
Total Cash
$44,029,000
Total Debt
$202,924,000
Shares Out
4,804,936
Trailing EPS
$8.19
Book Value
$71.50
ROE
12.1%
ROA
1.3%
Div Yield
2.87%
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 % |
|---|---|---|---|---|
| NWFL | NORWOOD FINANCIAL CORP | $338.48M | $31.08 | — |
| AVBH | Avidbank Holdings, Inc. | $351.88M | $32.12 | — |
| MYFW | First Western Financial Inc | $318.92M | $32.78 | — |
| COSO | CoastalSouth Bancshares, Inc. | $317.98M | $26.42 | — |
| CHMG | CHEMUNG FINANCIAL CORP | $361.78M | $75.06 | — |
News headlines (Yahoo Finance, 1h cache)
Zacks.com featured highlights include Ponce Financial, Credo Technology, Interface, Ciena and Citizens Financial Services
2026-07-06 08:04 · Yahoo
Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why
2026-07-02 12:55 · Yahoo
5 High-Efficiency Stocks With Strong Profit Potential to Buy Now
2026-07-02 12:22 · Yahoo
Best Momentum Stocks to Buy for July 1st
2026-07-01 14:15 · Yahoo
Best Income Stocks to Buy for July 1st
2026-07-01 07:23 · Yahoo
Citizens Financial Services Inc. (CZFS) Hit a 52 Week High, Can the Run Continue?
2026-06-29 13:15 · Yahoo
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
2026-06-26 15:45 · Yahoo
Improve Your Retirement Income with These 3 Top-Ranked Dividend Stocks
2026-06-16 13:10 · Yahoo
Citizens Financial Services Inc. (CZFS) Hits Fresh High: Is There Still Room to Run?
2026-06-11 13:15 · Yahoo
Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio
2026-06-10 15:45 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.