CITIZENS FINANCIAL SERVICES INC

CZFS

CITIZENS FINANCIAL SERVICES INC

CZFS

Insider Sentiment (TTM):

Last Purchase:2026-05-29Last Sale:2026-06-25Shares Purchased (TTM):1,391Shares Sold (TTM):53

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,373,226Shares Outstanding:4,798,170Institutional Ownership Pct.:28.62%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents
Cash And Due From Banks	30	27	24	25	27	28	30	27	22	14	38	25
Interest Bearing Deposits In Banks	9	6	10	7	23	9	12	10	16	16	15	18
Cash And Cash Equivalents At Carrying Value	39	33	34	31	49	37	42	37	38	30	53	43
Marketable Securities	2	2	2	2	2	2	2	2	2	2	2	2
Available For Sale Securities Debt Securities	491	448	445	451	432	431	426	419	403	405	418	418
Loans Receivable Held For Sale Amount	10	6	9	14	16	6	10	14	14	8	9	14
Notes Receivable Net	2,371	2,275	2,328	2,313	2,220	2,294	2,292	2,309	2,233	2,218	2,228	2,225
Property Plant And Equipment Net	21	21	21	22	22	22	21	21	21	21	21	21
Interest Receivable	11	11	11	11	11	11	10	11	11	11	11	10
Goodwill	86	86	86	86	86	86	86	86	86	86	86	85
Bank Owned Life Insurance	74	74	52	51	51	51	50	50	50	49	50	50
Intangible Assets Net Excluding Goodwill	2	2	2	2	3	3	3	3	3	3	4	4
Derivative Assets	7	7	7	7	8	9	10	9	13	15	14	18
Deferred Income Tax Assets Net	11	12	11	12	14	14	15	14	17	18	17	21
Other Assets	62	45	53	50	52	49	55	48	53	52	59	43
Assets	3,192	3,026	3,065	3,056	2,967	3,016	3,026	3,026	2,948	2,921	2,975	2,959
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities	496	510	517	522	499	506	533	548	502	524	524	542
Interest Bearing Deposit Liabilities	1,899	1,932	1,860	1,889	1,793	1,859	1,849	1,902	1,771	1,779	1,798	1,793
Deposits	2,395	2,441	2,377	2,411	2,293	2,365	2,382	2,450	2,273	2,303	2,321	2,335
Debt And Capital Lease Obligations	394	199	309	280	313	302	298	232	335	284	322	316
Interest Payable Current And Noncurrent	3	4	3	4	3	3	5	6	5	4	4	3
Derivative Liabilities	4	4	4	4	5	5	6	5	7	9	8	11
Other Liabilities	43	35	33	30	40	33	36	36	40	39	40	32
Liabilities	2,839	2,683	2,727	2,729	2,654	2,708	2,726	2,728	2,661	2,638	2,696	2,697
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	5	5	5	5	5	5	5	5	5	5	5	5
Additional Paid In Capital	148	148	148	148	148	145	145	145	145	143	143	143
Retained Earnings Accumulated Deficit	229	222	214	206	198	195	189	184	179	178	173	168
Accumulated Other Comprehensive Income Loss Net Of…	-13	-15	-12	-15	-21	-20	-24	-19	-26	-27	-25	-37
Treasury Stock Value	-17	-17	-16	-16	-16	-16	-16	-16	-16	-17	-17	-17
Stockholders Equity	353	344	338	328	314	308	300	299	286	283	280	263
Liabilities And Stockholders Equity	3,192	3,026	3,065	3,056	2,967	3,016	3,026	3,026	2,948	2,921	2,975	2,959
Financing Receivable Allowance For Credit Losses	-	23	23	22	22	22	22	22	23	22	21	21
Debt Securities Available For Sale Allowance For C…	-	-	-	-	-	-	-	-	-	-	0	-
Preferred Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Authorized	3	3	3	3	3	3	3	3	3	3	3	3
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	25	25	25	25	25	25	25	25	25	25	25	25
Common Stock Shares Issued	5	5	5	5	5	5	5	5	5	5	5	5
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.31%	12.89%	14.51%	-	-	-	-	-	-	-	-	-
2025	6.66%	3.35%	2.00%	10.53%	14.24%	3.30%	1.14%	5.99%	19.56%	7.00%	3.48%	9.74%
2024	-11.52%	-3.16%	22.52%	22.47%	22.50%	26.19%	6.28%	-2.98%	-8.71%	-1.04%	-4.02%	1.75%
2023	-	-	-	-11.21%	-22.83%	-23.91%	9.04%	21.56%	16.06%	10.42%	-10.23%	-5.81%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.51	-0.52	-0.54	-0.56	-0.57	-0.61	-0.18	0.32	0.87	1.38	1.46	1.62
Per Share Metrics
Diluted EPS TTM	8.55	8.19	7.62	7.10	6.58	5.92	5.79	5.71	5.70	3.78	4.02	3.82
Free Cash Flow Per Share TTM	7.69	8.91	7.35	5.96	6.56	6.02	6.64	7.87	8.17	5.70	5.40	3.46
Dividend Per Share TTM	2.01	2.00	1.99	1.98	1.96	1.95	1.94	1.93	1.93	1.87	1.92	1.71
Margin Metrics
Gross Profit Margin TTM	64.00%	63.03%	61.57%	59.99%	58.14%	56.95%	56.02%	51.24%	52.63%	54.39%	57.61%	68.79%
Operating Profit Margin TTM	31.29%	30.24%	28.42%	26.58%	24.86%	22.40%	21.96%	21.80%	22.02%	15.39%	16.93%	19.47%
Net Profit Margin TTM	25.47%	24.51%	22.98%	21.59%	20.23%	18.29%	18.03%	17.89%	18.13%	12.84%	14.01%	16.06%
Growth Metrics
Net Revenue Growth (1Y)	3.16%	3.24%	3.14%	3.12%	3.45%	11.04%	21.40%	35.48%	54.04%	54.38%	52.50%	45.73%
Net Income Growth (1Y)	29.90%	38.40%	31.47%	24.46%	15.39%	58.14%	56.18%	50.86%	50.96%	-38.44%	-38.71%	-35.49%
EPS Growth (1Y)	29.89%	38.39%	31.46%	24.46%	15.35%	56.52%	44.20%	49.28%	30.94%	-48.07%	-44.52%	-45.54%
Valuation Metrics
P/E TTM	8.47	7.40	7.36	8.29	8.64	9.42	10.40	9.74	7.38	11.93	14.60	11.28
P/B TTM	0.99	0.85	0.80	0.86	0.87	0.87	0.96	0.89	0.71	0.76	0.93	0.78
P/S TTM	2.16	1.82	1.69	1.79	1.75	1.72	1.87	1.74	1.34	1.53	2.05	1.81
Market Cap	347.56M	291.20M	269.22M	282.30M	272.89M	267.58M	289.23M	266.51M	202.00M	214.32M	259.98M	204.71M
Enterprise Value	308.13M	258.09M	234.93M	251.23M	223.41M	230.79M	247.03M	229.74M	163.56M	184.70M	207.16M	161.37M
Calculated Values
Free Cash Flow TTM	36.91M	42.77M	35.24M	28.60M	31.47M	28.87M	31.87M	37.75M	39.20M	27.08M	23.92M	16.44M
Net Debt	-39.43M	-33.11M	-34.29M	-31.08M	-49.48M	-36.79M	-42.20M	-36.76M	-38.43M	-29.62M	-52.82M	-43.34M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-25Sale

Owner: Gephart, Leeann

Title: EXECUTIVE VICE PRESIDENT

Shares: 29

Price/Share: $66.52

Value: $1,929.08

Shares Owned: 808

Relationship: Officer

Ownership: Direct

2026-05-29Purchase

Owner: Guillaume, Stephen J

Title: SENIOR VICE PRESIDENT

Shares: 34

Price/Share: $61.78

Value: $2,100.52

Shares Owned: 4,718

Relationship: Officer

Ownership: Direct

2026-05-28Sale

Owner: Gephart, Leeann

Title: EXECUTIVE VICE PRESIDENT

Shares: 24

Price/Share: $64.78

Value: $1,554.72

Shares Owned: 837

Relationship: Officer

Ownership: Direct

2026-05-12Purchase

Owner: Painter, John P Ii

Title: -

Shares: 140

Price/Share: $63.67

Value: $8,913.80

Shares Owned: 3,662

Relationship: Director

Ownership: Direct

2026-03-06Purchase

Owner: Painter, John P Ii

Title: -

Shares: 675

Price/Share: $61.00

Value: $41,175.00

Shares Owned: 3,412

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-25	Gephart, Leeann	Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	29	66.52	$1,929.08	808	4
2026-05-29	Guillaume, Stephen J	Officer	SENIOR VICE PRESIDENT	Direct	Purchase	34	61.78	$2,100.52	4,718	4
2026-05-28	Gephart, Leeann	Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	24	64.78	$1,554.72	837	4
2026-05-12	Painter, John P Ii	Director	-	Direct	Purchase	140	63.67	$8,913.80	3,662	4
2026-03-06	Painter, John P Ii	Director	-	Direct	Purchase	675	61.00	$41,175.00	3,412	4
2026-02-27	Guillaume, Stephen J	Officer	SENIOR VICE PRESIDENT	Direct	Purchase	13	57.06	$741.78	4,656	4
2025-11-28	Guillaume, Stephen J	Officer	SENIOR VICE PRESIDENT	Direct	Purchase	16	53.10	$849.60	4,570	4
2025-11-04	Black, Randall E	Director,Officer	CEO & PRESIDENT	Direct	Purchase	22	54.25	$1,193.50	44,035	4
2025-11-03	Black, Randall E	Director,Officer	CEO & PRESIDENT	Direct	Purchase	478	54.12	$25,869.36	44,013	4
2025-08-31	Guillaume, Stephen J	Officer	SENIOR VICE PRESIDENT	Direct	Purchase	13	56.96	$740.48	4,524	4
2025-08-22	Freeman, Thomas E.	Director	-	Direct	Sale	3,000	60.00	$180,000.00	12,569	4
2025-07-08	Gephart, Leeann	Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	14	59.64	$834.96	720	4
2025-06-24	Gephart, Leeann	Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	33	59.58	$1,966.14	728	4
2025-05-30	Guillaume, Stephen J	Officer	EXECUTIVE VICE PRESIDENT	Direct	Purchase	15	58.09	$871.35	4,452	4
2025-05-06	Painter, John P Ii	Director	-	Direct	Purchase	215	57.40	$12,341.00	2,402	4
2025-02-28	Guillaume, Stephen J	Officer	EXECUTIVE VICE PRESIDENT	Direct	Purchase	13	57.45	$746.85	4,077	4
2025-02-03	Gephart, Leeann	Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	21	69.19	$1,452.99	579	4
2025-02-03	Painter, John P Ii	Director	-	Direct	Purchase	110	60.00	$6,600.00	2,088	4
2024-11-29	Guillaume, Stephen J	Officer	SENIOR VICE PRESIDENT	Direct	Purchase	13	67.08	$872.04	4,008	4
2024-11-20	Richards, David Z Jr	Director,Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	121	69.50	$8,409.50	1,457	4
2024-11-04	Painter, John P Ii	Director	-	Direct	Purchase	290	56.65	$16,428.50	1,904	4
2024-08-30	Richards, David Z Jr	Director,Officer	SENIOR EVP	Direct	Sale	500	54.87	$27,435.00	1,565	4
2024-04-30	Guillaume, Stephen J	Officer	EXECUTIVE VICE PRESIDENT	Direct	Purchase	300	40.00	$12,000.00	3,586	4
2024-02-21	Black, Randall E	Director,Officer	CEO & PRESIDENT	Direct	Purchase	100	48.00	$4,800.00	42,233	4
2023-10-27	Landy, R Joseph	Director	-	Direct	Purchase	768	47.48	$36,464.64	24,385	4
2023-10-27	Landy, R Joseph	Director	-	Direct	Purchase	500	47.50	$23,750.00	26,493	4/A
2023-10-25	Guillaume, Stephen J	Officer	SENIOR VICE PRESIDENT	Direct	Purchase	500	44.25	$22,125.00	3,068	4
2023-10-05	Marino, Robert Joseph	Other	-	Direct	Sale	3,193	45.36	$144,834.48	35,821	4/A
2023-09-18	Richards, David Z Jr	Director,Officer	EXECUTIVE VICE PRESIDENT	Direct	Sale	1,500	50.79	$76,185.00	1,190	4
2023-09-18	Marino, Robert Joseph	Other	-	Direct	Sale	1,000	51.00	$51,000.00	42,821	4
2023-08-22	Marino, Robert Joseph	Director,Officer	CHIEF REVENUE OFFICER	Direct	Purchase	1,421	52.38	$74,431.98	43,821	4
2023-08-21	Marino, Robert Joseph	Director,Officer	CHIEF REVENUE OFFICER	Direct	Purchase	359	52.75	$18,937.25	42,400	4
2023-08-18	Marino, Robert Joseph	Director,Officer	CHIEF REVENUE OFFICER	Direct	Purchase	641	52.25	$33,492.25	42,041	4
2023-08-07	Depaola, Rinaldo A	Director	-	Direct	Purchase	35	69.50	$2,432.50	14,855	4
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Institutional Ownership

No data available for chart

2026-03-31

28.62%

Inst. Shares: 1,373,226

Shares Outstanding: 4,798,170

2025-12-31

28.31%

Inst. Shares: 1,358,296

Shares Outstanding: 4,797,520

2025-09-30

26.83%

Inst. Shares: 1,287,160

Shares Outstanding: 4,796,946

2025-06-30

26.37%

Inst. Shares: 1,265,039

Shares Outstanding: 4,797,716

2025-03-31

25.70%

Inst. Shares: 1,232,978

Shares Outstanding: 4,797,611

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,373,226	4,798,170	28.62%
2025-12-31	1,358,296	4,797,520	28.31%
2025-09-30	1,287,160	4,796,946	26.83%
2025-06-30	1,265,039	4,797,716	26.37%
2025-03-31	1,232,978	4,797,611	25.70%
2024-12-31	1,218,121	4,797,258	25.39%
2024-09-30	1,126,911	4,796,752	23.49%
2024-06-30	1,098,368	4,796,000	22.90%
2024-03-31	1,011,724	4,748,442	21.31%
2023-12-31	1,041,776	4,429,162	23.52%
2023-09-30	1,050,090	4,746,541	22.12%
2023-06-30	1,071,737	4,159,966	25.76%
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CITIZENS FINANCIAL SERVICES INC (CZFS) — SEC Financial Statements & Analysis

CITIZENS FINANCIAL SERVICES INC (CZFS) is a state commercial banks company, incorporated in PA. CITIZENS FINANCIAL SERVICES INC trades on Nasdaq as: CZFS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CITIZENS FINANCIAL SERVICES INC reported a 3.16% year-over-year revenue growth, a Gross Profit Margin of 64.00% (TTM), a Price-to-Sales (P/S) ratio of 2.16x (TTM), a Price-to-Book (P/B) ratio of 0.99x (TTM), at a market cap of $347.56M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.16%
Gross Profit Margin TTM: 64.00%
P/S TTM: 2.16x
P/B TTM: 0.99x
Market Cap: $347.56M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CITIZENS FINANCIAL SERVICES INC in?

CITIZENS FINANCIAL SERVICES INC (CZFS) operates in the State Commercial Banks industry.

What is CZFS's market cap?

CITIZENS FINANCIAL SERVICES INC (CZFS) has a market capitalization of $347.56M as of 2026-06-30.

What is CZFS's P/E ratio?

CITIZENS FINANCIAL SERVICES INC (CZFS)'s trailing twelve month P/E ratio is 8.47x as of 2026-06-30.

What exchange does CZFS trade on?

CITIZENS FINANCIAL SERVICES INC (CZFS) trades on the Nasdaq.

Where is CITIZENS FINANCIAL SERVICES INC incorporated?

CITIZENS FINANCIAL SERVICES INC is incorporated in PA.