Citizens Financial Services, Inc. logo

Citizens Financial Services, Inc.

CZFS

NASDAQFinancial ServicesBanks - Regional

Previous close

$81.70

+$1.27 · +1.58%

Aug 21, 4:00 PM ET

CZFS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

67

Gaining

Sentiment

73

Bullish

Risk resilience

69

Moderate Risk

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Company profile

Company website

Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Randall E. Black
Listed since
Jan 4, 1999
Employees
389

Market position

Day range

Current $81.70

52-week range

Current $81.70

Open
$80.54
Previous close
$80.43
Volume
82.34K
5.02× average
Average volume
16.42K
Average daily volume
Market cap
392.56M USD
Beta
0.38
Market reference 1
50-day average
$74.803
+9.22% above average
200-day average
$65.0225
+25.65% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
544.89M USD
P/E (TTM)
9.53×
P/B (TTM)
1.11×
P/S (TTM)
2.23×
EV / EBITDA
12.09×
Earnings yield
13.37%
Free cash flow yield
12.88%
Dividend yield
2.46%

Profitability & efficiency

Gross margin
65.87%
Operating margin
28.62%
Net margin
23.34%
Return on equity
10.82%
Return on assets
1.19%
Return on invested capital
5.34%

Financial health

Debt / equity
1.12×
Current ratio
0.04×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends98%67%36%5%Gross margin, FY2021: 89.88%Gross margin, FY2022: 86.14%Gross margin, FY2023: 62.24%Gross margin, FY2024: 58.22%Gross margin, FY2025: 63.32%Operating margin, FY2021: 41.30%Operating margin, FY2022: 38.13%Operating margin, FY2023: 15.51%Operating margin, FY2024: 19.98%Operating margin, FY2025: 26.03%Net margin, FY2021: 34.05%Net margin, FY2022: 31.22%Net margin, FY2023: 12.84%Net margin, FY2024: 16.50%Net margin, FY2025: 21.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 89.88%. Gross margin FY2022 86.14%. Gross margin FY2023 62.24%. Gross margin FY2024 58.22%. Gross margin FY2025 63.32%. Operating margin FY2021 41.30%. Operating margin FY2022 38.13%. Operating margin FY2023 15.51%. Operating margin FY2024 19.98%. Operating margin FY2025 26.03%. Net margin FY2021 34.05%. Net margin FY2022 31.22%. Net margin FY2023 12.84%. Net margin FY2024 16.50%. Net margin FY2025 21.11%.

Income trends

Revenue

173.24M USD+2.75%

Operating income

45.09M USD+33.86%

Net income

36.57M USD+31.47%
Income trends across reported periods188.79M USD126.61M USD64.44M USD2.27M USDRevenue, FY2021: 85.52M USDRevenue, FY2022: 93.1M USDRevenue, FY2023: 138.72M USDRevenue, FY2024: 168.62M USDRevenue, FY2025: 173.24M USDOperating income, FY2021: 35.32M USDOperating income, FY2022: 35.5M USDOperating income, FY2023: 21.52M USDOperating income, FY2024: 33.68M USDOperating income, FY2025: 45.09M USDNet income, FY2021: 29.12M USDNet income, FY2022: 29.06M USDNet income, FY2023: 17.81M USDNet income, FY2024: 27.82M USDNet income, FY2025: 36.57M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 85.52M USD. Revenue FY2022 93.1M USD. Revenue FY2023 138.72M USD. Revenue FY2024 168.62M USD. Revenue FY2025 173.24M USD. Operating income FY2021 35.32M USD. Operating income FY2022 35.5M USD. Operating income FY2023 21.52M USD. Operating income FY2024 33.68M USD. Operating income FY2025 45.09M USD. Net income FY2021 29.12M USD. Net income FY2022 29.06M USD. Net income FY2023 17.81M USD. Net income FY2024 27.82M USD. Net income FY2025 36.57M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue173.24M USD168.62M USD138.72M USD93.1M USD85.52M USD
Cost of goods sold63.54M USD70.45M USD52.39M USD12.91M USD8.66M USD
Gross profit109.7M USD98.17M USD86.34M USD80.19M USD76.87M USD
Selling, general, and administrative45.91M USD41.34M USD36.47M USD28.51M USD26.42M USD
Operating expenses64.61M USD64.48M USD64.82M USD44.69M USD41.55M USD
Interest income159.17M USD152.77M USD125.71M USD82.73M USD72.84M USD
Interest expense61.17M USD67.86M USD46.86M USD11.22M USD7.11M USD
Depreciation and amortization1.81M USD1.52M USD1.03M USD1.11M USD
Operating income45.09M USD33.68M USD21.52M USD35.5M USD35.32M USD
Net income36.57M USD27.82M USD17.81M USD29.06M USD29.12M USD

Company facts updated Aug 24, 2026.

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