CZFS — CITIZENS FINANCIAL SERVICES INC
—
Nasdaq ·
Financials ·
Banks ·
CIK 739421 ·
Last close
$66.45
Market Cap
$319.29M
52W High
$71.31
52W Low
$56.07
ADV30
5,962
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
$474,963,680
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
3.08%
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. | $318.22M | $26.44 | — |
| FNLC | First Bancorp, Inc /ME/ | $337.26M | $29.91 | — |
| NWFL | NORWOOD FINANCIAL CORP | $338.37M | $31.07 | — |
| CHMG | CHEMUNG FINANCIAL CORP | $338.59M | $70.25 | — |
| JMSB | John Marshall Bancorp, Inc. | $300.59M | $21.30 | — |
News headlines (Yahoo Finance, 1h cache)
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
3 Leading Dividend Stocks With Yields Up To 4.6%
2026-05-29 11:32 · Yahoo
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
Recent Insider Activity
No insider activity indexed for this ticker.