CZFS — CITIZENS FINANCIAL SERVICES INC
—
Nasdaq ·
Financials ·
Banks ·
CIK 739421 ·
Last close
$79.46
Market Cap
$382.19M
52W High
$84.14
52W Low
$50.79
ADV30
35,218
Next earnings
2026-10-29
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | Gross profit | Op income | Net income | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Jun 2026 | — | — | — | — | — | — | — |
| 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 |
Cashflow TTM (yfinance, fills SEC gap)
Operating CF
$43,607,000
Investing CF
$-9,407,000
Financing CF
$-37,881,000
CapEx
$-836,000
Dividends Paid
$-9,595,000
Buybacks
$-646,000
EPS Diluted TTM
$8.55
As of
2026-08-09
Balance + Analyst (yfinance extras)
Retained Earnings
$229,333,000
Inventory
—
Receivables
$10,922,000
ST Investments
$134,311,000
EBIT TTM
—
Pretax Income TTM
$50,489,000
Interest Exp TTM
$58,029,000
Analysts
1
Yahoo Snapshot (yfinance, live)
Total Revenue
$114,757,000
EBITDA
—
Free Cash Flow
—
Enterprise Value
$743,882,176
Total Cash
$49,508,000
Total Debt
$397,972,000
Shares Out
4,809,855
Trailing EPS
$8.55
Book Value
$73.36
ROE
12.3%
ROA
1.3%
Div Yield
2.48%
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | Op income | Net income | Assets | Liabilities | Equity | Op cash flow |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 112,345,000 | — | 36,572,000 | 3,064,564,000 | 2,726,513,000 | 338,051,000 | 36,534,000 |
| Dec 2024 | 100,754,000 | — | 27,818,000 | 3,025,724,000 | 2,725,990,000 | 299,734,000 | 33,182,000 |
| Dec 2023 | 91,865,000 | — | 17,811,000 | 2,975,321,000 | 2,695,655,000 | 279,666,000 | 26,537,000 |
| Dec 2022 | 81,872,000 | — | 29,060,000 | 2,333,393,000 | 2,133,246,000 | 200,147,000 | 33,240,000 |
TTM Snapshot
Revenues TTM
$160,431,000
NetIncome TTM
$39,327,000
OpCashFlow TTM
—
Assets (Latest)
$3,026,478,000
Forward EPS
$8.81
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| MVBF | MVB FINANCIAL CORP | $381.94M | $29.50 | — |
| AGBK | AGI Inc | $381.53M | $6.51 | — |
| PKBK | PARKE BANCORP, INC. | $384.01M | $32.65 | — |
| FRST | Primis Financial Corp. | $380.17M | $15.33 | — |
| FNLC | First Bancorp, Inc /ME/ | $377.28M | $33.44 | — |
News headlines (Yahoo Finance, 1h cache)
Citizens Financial Services (CZFS) Could Be a Great Choice
2026-10-02 14:45 · Yahoo
Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now
2026-08-31 15:45 · Yahoo
All You Need to Know About Citizens Financial Services (CZFS) Rating Upgrade to Strong Buy
2026-08-14 16:00 · Yahoo
Why Citizens Financial Services (CZFS) is a Top Dividend Stock for Your Portfolio
2026-08-14 15:45 · Yahoo
Best Income Stocks to Buy for August 14th
2026-08-14 07:49 · Yahoo
Best Value Stocks to Buy for August 14th
2026-08-14 07:35 · Yahoo
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
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
Recent Insider Activity
No insider activity indexed for this ticker.