CZFS — CITIZENS FINANCIAL SERVICES INC
—
Nasdaq ·
Financials ·
Banks ·
CIK 739421 ·
Last close
$77.52
Market Cap
$372.82M
52W High
$79.50
52W Low
$59.56
ADV30
18,667
Next earnings
2026-10-29
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | GrossProfit | OpIncome | NetIncome | 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
$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
$116,114,000
EBITDA
—
Free Cash Flow
—
Enterprise Value
$721,279,488
Total Cash
$49,508,000
Total Debt
$397,972,000
Shares Out
4,809,281
Trailing EPS
$8.55
Book Value
$70.32
ROE
12.3%
ROA
1.3%
Div Yield
2.63%
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 | $370.21M | $33.99 | — |
| RVRF | River Financial Corp | $359.41M | $46.00 | — |
| KEY-PK | KEYCORP /NEW/ | $388.98M | $21.61 | — |
| AVBH | Avidbank Holdings, Inc. | $357.25M | $32.61 | — |
| HBIA | HILLS BANCORPORATION | $391.11M | $44.76 | — |
News headlines (Yahoo Finance, 1h cache)
Citizens Financial Services (CZFS) Tops Q2 Earnings Estimates
2026-07-30 12:35 · Yahoo
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2026 FINANCIAL RESULTS
2026-07-30 11:10 · Yahoo
Citizens Financial Services (CZFS) Could Be a Great Choice
2026-07-29 15:45 · Yahoo
CB Financial Services (CBFV) Surpasses Q2 Earnings and Revenue Estimates
2026-07-27 22:05 · Yahoo
ConnectOne Bancorp (CNOB) Q2 Earnings Top Estimates
2026-07-23 12:40 · Yahoo
Norwood Financial Corp. (NWFL) Q2 Earnings Miss Estimates
2026-07-22 13:25 · Yahoo
Are You Looking for a High-Growth Dividend Stock?
2026-07-13 15:45 · 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
5 High-Efficiency Stocks With Strong Profit Potential to Buy Now
2026-07-02 12:22 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.