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CITIZENS FINANCIAL SERVICES INC CZFS

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27 · LEI

CITIZENS FINANCIAL SERVICES INC statistics & valuation

Market cap$354.7M
P / E9.7×
P / S35.9×
P / B1.0×
Dividend yield2.69%
Net margin370.1%
Return on equity10.8%
Graham number +32.5%$109.88

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($109.88); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
276.90% 281.40% 376.90% 376.30% 338.40% 198.50% 289.50% 370.10% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
10.30% 10.10% 13.00% 12.60% 12.90% 13.70% 14.50% 6.40% 9.30% 10.80% 2016201720182019202020212022202320242025
Shares outstanding
3.5M 3.6M 3.6M 3.6M 3.9M 4.0M 4.1M 4.5M 4.8M 4.8M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 1.00% 1.30% 1.30% 1.30% 1.40% 1.20% 0.60% 0.90% 1.20% 2016201720182019202020212022202320242025
Free cash flow margin (%)
2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$3.57 $3.67 $5.04 $5.41 $6.46 $7.24 $7.17 $3.98 $5.79 $7.62 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CITIZENS FINANCIAL SERVICES INC trades at about 10.9× earnings — near its 10-year norm (10-year range 8.3×–16.8×, median 11×).

8.3× 16.8×

Shaded band = 10-year range (8.3×–16.8×); dot = today's 10.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin370.1%289.5%198.5%338.4%376.3%376.9%281.4%276.9%——
Return on assets1.2%0.9%0.6%1.2%1.4%1.3%1.3%1.3%1.0%1.0%
Return on equity10.8%9.3%6.4%14.5%13.7%12.9%12.6%13.0%10.1%10.3%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.