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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
Total Valuation
Citizens Financial Services has a market cap or net worth of $263.73M. The enterprise value is $545.61M.
Market Cap$263.73M
Enterprise Value$545.61M
Share Statistics
Citizens Financial Services has 4,807,314 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,807,314
Owned by Insiders6.16%
Owned by Institutions0.10%
Financial Efficiency
Citizens Financial Services’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 4.35%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)4.35%
Return on Capital Employed (ROCE)0.05
Revenue Per Employee444.90K
Profits Per Employee73.40K
Employee Count379
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Citizens Financial Services is 8.3. Citizens Financial Services’s PEG ratio is 0.23.
PE Ratio8.3
PS Ratio1.77
PB Ratio0.99
Price to Fair Value0.99
Price to FCF9.34
Price to Operating Cash Flow8.14
PEG Ratio0.23
Income Statement
In the last 12 months, Citizens Financial Services had revenue of 168.62M and earned 27.82M in profits. Earnings per share was 5.86.
Revenue168.62M
Gross Profit98.17M
Operating Income33.68M
Pretax Income33.68M
Net Income27.82M
EBITDA35.49M
Earnings Per Share (EPS)5.86
Cash Flow
In the last 12 months, operating cash flow was 33.63M and capital expenditures -2.17M, giving a free cash flow of 31.46M billion.
Operating Cash Flow33.63M
Free Cash Flow31.46M
Free Cash Flow per Share6.55
Dividends & Yields
Citizens Financial Services pays an annual dividend of $0.5, resulting in a dividend yield of 3.6%
Dividend Per Share$0.5
Dividend Yield3.6%
Payout Ratio30.01%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.17
52-Week Price Change0.20%
50-Day Moving Average59.13
200-Day Moving Average58.01
Relative Strength Index (RSI)40.86
Average Volume (3m)9.89K
Important Dates
Citizens Financial Services upcoming earnings date is Oct 27, 2025, During Market Hours (Confirmed).
Last Earnings DateJul 30, 2025
Next Earnings DateOct 27, 2025
Ex-Dividend DateSep 12, 2025
Financial Position
Citizens Financial Services as a current ratio of 0.04, with Debt / Equity ratio of 99.86%
Current Ratio0.04
Quick Ratio0.04
Debt to Market Cap1.00
Net Debt to EBITDA7.09
Interest Coverage Ratio0.50
Taxes
In the past 12 months, Citizens Financial Services has paid 5.87M in taxes.
Income Tax5.87M
Effective Tax Rate0.17
Enterprise Valuation
Citizens Financial Services EV to EBITDA ratio is 15.48, with an EV/FCF ratio of 17.24.
EV to Sales3.26
EV to EBITDA15.48
EV to Free Cash Flow17.24
EV to Operating Cash Flow16.56
Balance Sheet
Citizens Financial Services has $481.13M in cash and marketable securities with $313.22M in debt, giving a net cash position of $167.91M billion.
Cash & Marketable Securities$481.13M
Total Debt$313.22M
Net Cash$167.91M
Net Cash Per Share$34.93
Tangible Book Value Per Share$44.44
Margins
Gross margin is 60.94%, with operating margin of 19.98%, and net profit margin of 16.50%.
Gross Margin60.94%
Operating Margin19.98%
Pretax Margin19.98%
Net Profit Margin16.50%
EBITDA Margin21.05%
EBIT Margin19.98%
Analyst Forecast
The average price target for Citizens Financial Services is $59.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$59.00
Price Target Upside7.55% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast2.41%
EPS Growth Forecast15.34%