CITIZENS FINANCIAL SERVICES INC CZFS
Nasdaq · XNAS · stock · State Commercial Banks
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
26.1%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $9.9M | $36.6M | — | — | $338.1M |
| 2024 | $9.6M | $27.8M | — | — | $299.7M |
| 2023 | $9.0M | $17.8M | — | — | $279.7M |
| 2022 | $8.6M | $29.1M | — | — | $200.1M |
| 2021 | $7.7M | $29.1M | — | — | $212.5M |
| 2020 | $6.7M | $25.1M | — | — | $194.3M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| BLACK RANDALL E | CEO & PRESIDENT | 2026-06-25 | Grant | 563 | — |
| WILSON JEFFREY L | EXECUTIVE VICE PRESIDENT | 2026-06-25 | Grant | 49 | — |
| Guillaume Stephen J | EXECUTIVE VICE PRESIDENT | 2026-06-25 | Grant | 311 | — |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | 2026-06-25 | Grant | 153 | — |
| White Jeffrey R | EXECUTIVE VICE PRESIDENT | 2026-06-25 | Grant | 336 | — |
| Gephart LeeAnn | EXECUTIVE VICE PRESIDENT | 2026-06-25 | Sell | 29 | $66.52 |
| Behm John D | director | 2026-06-15 | Grant | 29 | — |
| Hilfiger Janie M | director | 2026-06-15 | Grant | 88 | — |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000739421 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.