Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
Total Valuation
Citizens Financial Services has a market cap or net worth of $322.61M. The enterprise value is $597.77M.
Market Cap$322.61M
Enterprise Value$597.77M
Share Statistics
Citizens Financial Services has 4,807,219 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,807,219
Owned by Insiders6.23%
Owned by Institutions5.05%
Financial Efficiency
Citizens Financial Services’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is -2.07%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)-2.07%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee457.11K
Profits Per Employee96.50K
Employee Count379
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Citizens Financial Services is 7.5. Citizens Financial Services’s PEG ratio is 0.24.
PE Ratio7.5
PS Ratio1.58
PB Ratio0.81
Price to Fair Value0.81
Price to FCF7.76
Price to Operating Cash Flow8.68
PEG Ratio0.24
Income Statement
In the last 12 months, Citizens Financial Services had revenue of 173.24M and earned 36.57M in profits. Earnings per share was 7.62.
Revenue173.24M
Gross Profit109.70M
Operating Income45.09M
Pretax Income45.09M
Net Income36.57M
EBITDA45.09M
Earnings Per Share (EPS)7.62
Cash Flow
In the last 12 months, operating cash flow was 36.53M and capital expenditures -1.67M, giving a free cash flow of 34.87M billion.
Operating Cash Flow36.53M
Free Cash Flow34.87M
Free Cash Flow per Share7.25
Dividends & Yields
Citizens Financial Services pays an annual dividend of $0.5, resulting in a dividend yield of 3.38%
Dividend Per Share$0.5
Dividend Yield3.38%
Payout Ratio27.97%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.99
52-Week Price Change21.97%
50-Day Moving Average61.84
200-Day Moving Average58.68
Relative Strength Index (RSI)70.38
Average Volume (3m)9.06K
Important Dates
Citizens Financial Services upcoming earnings date is Apr 30, 2026, During Market Hours (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateApr 30, 2026
Ex-Dividend Date―
Financial Position
Citizens Financial Services as a current ratio of 0.20, with Debt / Equity ratio of 91.54%
Current Ratio0.20
Quick Ratio0.20
Debt to Market Cap1.19
Net Debt to EBITDA6.10
Interest Coverage Ratio0.74
Taxes
In the past 12 months, Citizens Financial Services has paid 8.52M in taxes.
Income Tax8.52M
Effective Tax Rate0.19
Enterprise Valuation
Citizens Financial Services EV to EBITDA ratio is 12.17, with an EV/FCF ratio of 15.57.
EV to Sales3.17
EV to EBITDA12.17
EV to Free Cash Flow15.57
EV to Operating Cash Flow15.02
Balance Sheet
Citizens Financial Services has $479.03M in cash and marketable securities with $309.45M in debt, giving a net cash position of $169.58M billion.
Cash & Marketable Securities$479.03M
Total Debt$309.45M
Net Cash$169.58M
Net Cash Per Share$35.28
Tangible Book Value Per Share$52.13
Margins
Gross margin is 63.36%, with operating margin of 26.03%, and net profit margin of 21.11%.
Gross Margin63.36%
Operating Margin26.03%
Pretax Margin26.03%
Net Profit Margin21.11%
EBITDA Margin26.03%
EBIT Margin26.03%
Analyst Forecast
The average price target for Citizens Financial Services is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast2.16%
EPS Growth Forecast24.43%