CZFS
CITIZENS FINANCIAL SERVICES INCCompany Information
- Company Name
- CITIZENS FINANCIAL SERVICES INC
- CIK
- CIK0000739421
- Category
- Accelerated filer
- Ticker: Exchange
- CZFS: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- CZFS
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-08-31
- Last sale
- 2026-07-09
- Shares purchased (TTM)
- 1,575
- Shares sold (TTM)
- 68
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 1,509,393
- Shares outstanding
- 4,797,940
- Ownership
- 31.46%
Earnings Market Reaction
- Filing date
- 2026-08-06
- Price on filing date
- —
- 1-month reaction
- -1.57%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | ||||||
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 Tax | -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 | 24 | 23 | 23 | 22 | 22 | 22 | 22 | 22 | 23 | 22 | 21 | 21 | ||||||
| Debt Securities Available For Sale Allowance For Credit Loss | - | - | - | - | - | - | - | - | - | - | 0 | - | ||||||
| Preferred Stock Par Or Stated Value Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| 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 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | ||||||
| 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 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialCITIZENS 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. CITIZENS FINANCIAL SERVICES INC (CZFS)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-06. Based on that filing, CITIZENS FINANCIAL SERVICES INC carries a market cap of $347.56M, a P/E ratio of 8.47x, a P/B ratio of 0.99x, a P/S ratio of 2.16x, an enterprise value of $308.13M, and an EV/EBITDA multiple of -6.09x. On profitability, it posts a gross margin of 64.00%, an operating margin of 31.29%, a net margin of 25.47%, a Return on Equity (ROE) of 12.32%, and a Return on Invested Capital (ROIC) of -14.70%. Per share, it reports EPS of $8.56, diluted EPS of $8.55, free cash flow per share of $7.69, and a dividend per share of $2.01. Over the trailing year, it posted revenue growth of 3.16% year-over-year, net income growth of 29.90% year-over-year, and EPS growth of 29.89% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.51x, free cash flow of $36.91M (TTM), and net debt of $-39.43M. Figures sourced from SEC EDGAR.
- Market Cap
- $347.56M
- P/E TTM
- 8.47x
- EPS TTM
- $8.56
- P/B TTM
- 0.99x
- ROE TTM
- 12.32%
- Free Cash Flow TTM
- $36.91M
- Net Revenue TTM Growth 1Y
- 3.16%
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 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.
When was CITIZENS FINANCIAL SERVICES INC (CZFS)'s most recent SEC filing?
CITIZENS FINANCIAL SERVICES INC (CZFS)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-06.
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 is CZFS's EPS (earnings per share)?
CITIZENS FINANCIAL SERVICES INC (CZFS)'s trailing twelve month EPS is $8.56 as of 2026-06-30.
What is CZFS's ROE (return on equity)?
CITIZENS FINANCIAL SERVICES INC (CZFS)'s trailing twelve month Return on Equity (ROE) is 12.32% as of 2026-06-30.
What is CZFS's ROIC (return on invested capital)?
CITIZENS FINANCIAL SERVICES INC (CZFS)'s trailing twelve month Return on Invested Capital (ROIC) is -14.70% as of 2026-06-30.
What is CZFS's EV/EBITDA?
CITIZENS FINANCIAL SERVICES INC (CZFS)'s trailing twelve month EV/EBITDA is -6.09x as of 2026-06-30.