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Citizens Financial Services Inc. Common Stock

Financial Services US CZFS

67.68USD
2.24(3.42%)

Last update at 2026-06-09T15:51:00Z

Day Range

66.8967.40
LowHigh

52 Week Range

48.7969.58
LowHigh

Fundamentals

  • Previous Close 65.44
  • Market Cap331.70M
  • Volume2458
  • P/E Ratio9.06
  • Dividend Yield2.87%
  • Revenue TTM109.97M
  • Revenue Per Share TTM22.92
  • Gross Profit TTM 109.97M
  • Diluted EPS TTM7.62

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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 45.09M 33.68M 21.52M 35.49M 35.32M
Minority interest - - - - -
Net income 36.57M 27.82M 17.81M 29.06M 29.12M
Selling general administrative 45.91M 41.34M 36.47M 28.51M 27.75M
Selling and marketing expenses - - 39.94M - -
Gross profit 109.70M 98.17M 86.34M 81.87M 78.42M
Reconciled depreciation 2.10M 1.81M 1.52M 0.16M 0.19M
Ebit - 33.68M 21.52M 47.59M 35.32M
Ebitda 45.09M 35.49M 23.04M 47.75M 35.51M
Depreciation and amortization - 1.81M 1.52M 0.16M 0.19M
Non operating income net other - - - - -
Operating income 45.09M 33.68M 21.52M 47.59M 35.32M
Other operating expenses 128.16M 134.93M 117.21M -34.27700M -43.10000M
Interest expense 61.17M 67.86M 46.86M 11.22M 7.11M
Tax provision 8.67M 5.87M 3.70M 6.43M 6.20M
Interest income 157.47M 152.77M 125.71M 82.73M 72.84M
Net interest income 96.30M 84.91M 78.85M 71.51M 65.73M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 8.52M 5.87M 3.70M 6.43M 6.20M
Total revenue 173.24M 168.62M 138.72M 81.87M 78.42M
Total operating expenses 64.61M 64.48M 64.82M -34.27700M -43.10000M
Cost of revenue 63.54M 70.45M 52.39M - -
Total other income expense net - -118.03500M -21.14100M -12.10000M -7.10500M
Discontinued operations - - - - -
Net income from continuing ops 36.57M 27.82M 17.81M 29.06M 29.12M
Net income applicable to common shares - - - 29.06M 29.12M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3064.56M 3025.72M 2984.60M 2333.39M 2143.86M
Intangible assets 2.22M 2.89M 3.65M 1.27M 1.63M
Earning assets - - - - -
Other current assets - - 68.47M 8.06M 1077.68M
Total liab 2726.51M 2725.99M 2704.93M 2133.25M 1931.37M
Total stockholder equity 338.05M 299.73M 279.67M 200.15M 212.49M
Deferred long term liab - - - - -
Other current liab 2376.98M 2382.03M 1862.02M -1.23200M -0.71100M
Common stock 5.26M 5.21M 5.16M 4.43M 4.39M
Capital stock 5.26M 5.21M 5.16M 4.43M 4.39M
Retained earnings 213.62M 189.44M 172.97M 164.92M 146.01M
Other liab - - - 15.17M 20.53M
Good will 85.76M 85.76M 85.76M 31.38M 31.38M
Other assets 2454.42M 2422.06M 0.00000M 1362.31M 1077.68M
Cash 34.29M 46.02M 56.89M 32.27M 183.86M
Cash and equivalents - - - - -
Total current liabilities 2395.61M 2411.63M 2075.69M 1.23M 0.71M
Current deferred revenue - - -4.29800M - -
Net debt 275.16M 251.70M 276.34M 225.01M -109.88200M
Short term debt 15.50M 24.91M 213.67M 257.28M 73.98M
Short long term debt 0.00000M 7.57M - - -
Short long term debt total 309.45M 297.72M 333.22M 257.28M 73.98M
Other stockholder equity 131.55M 128.60M 126.44M 63.94M 62.25M
Property plant equipment - - - 17.62M 17.02M
Total current assets 489.73M 103.45M 68.47M 479.10M 601.50M
Long term investments 446.56M 427.66M 419.54M 441.71M 1841.18M
Net tangible assets - - - 167.50M 179.49M
Short term investments 444.74M 47.12M 417.60M 439.51M 412.40M
Net receivables 10.70M 10.31M 11.04M 7.33M 5.24M
Long term debt 293.95M 272.81M 322.04M 257.28M 73.98M
Inventory - - 26.69M 0.54M 1.18M
Accounts payable 3.13M 4.69M 4.30M 1.23M 0.71M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -12.37700M -23.52100M -24.91100M -33.14100M -0.15500M
Additional paid in capital - - - - -
Common stock total equity - - - 4.43M 4.39M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 164.92M 146.01M
Treasury stock - - - -16.97300M -16.14700M
Accumulated amortization - - - - -
Non currrent assets other -2743.19800M 104.97M 2725.47M -12.88600M -464.69100M
Deferred long term asset charges - - - - -
Non current assets total 120.42M 2922.28M 2916.12M 491.98M 464.69M
Capital lease obligations - - - - -
Long term debt total - - - 9.73M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -5.82100M -69.07300M 59.47M -363.05500M -157.31000M
Change to liabilities - - - 0.52M -0.30600M
Total cashflows from investing activities -40.07600M -69.07300M 59.47M -362.45200M -158.23200M
Net borrowings 10.71M -25.72100M 5.43M 183.29M -14.87100M
Total cash from financing activities -4.36900M 25.27M -59.39500M 182.59M 223.66M
Change to operating activities - - - 0.52M -0.30600M
Net income 36.57M 27.82M 17.81M 29.06M 29.12M
Change in cash -7.91100M -10.61600M 26.61M -146.62200M 104.13M
Begin period cash flow 42.20M 52.82M 26.21M 172.83M 68.71M
End period cash flow 34.29M 42.20M 52.82M 26.21M 172.83M
Total cash from operating activities 36.53M 33.18M 26.54M 33.24M 38.69M
Issuance of capital stock 0.00000M 0.00000M 0.03M - -
Depreciation 2.10M 1.81M 1.52M 1.03M 1.11M
Other cashflows from investing activities -40.07600M -68.18700M -40.53300M 2.24M 0.18M
Dividends paid 9.55M 9.30M 8.50M -7.58800M -7.38300M
Change to inventory - - - - -
Change to account receivables -0.39100M 0.74M -1.48500M -2.09700M 0.76M
Sale purchase of stock -0.54500M -0.26600M -0.26500M -1.27900M -1.37400M
Other cashflows from financing activities -5.04900M 60.56M -56.09200M 188.41M 254.23M
Change to netincome - - - 4.52M 10.88M
Capital expenditures 1.30M 1.31M 2.62M 1.63M 1.10M
Change receivables - - - -2.09700M 0.76M
Cash flows other operating - - - 0.26M -0.55100M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -146.62200M 104.13M
Change in working capital -1.95400M 1.13M 0.70M -1.57600M 0.46M
Stock based compensation 0.62M 0.41M 0.31M 0.34M 0.61M
Other non cash items 1.92M 0.24M 5.61M 4.42M 6.70M
Free cash flow 35.24M 31.87M 23.92M 31.61M 37.59M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CZFS
Citizens Financial Services Inc. Common Stock
2.24 3.42% 67.68 9.06 9.27 3.02 0.98 5.57
HDB
HDFC Bank Limited ADR
-0.4 1.71% 23.01 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
0.24 0.79% 30.71 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
-0.03 0.06% 50.45 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

Citizens Financial Services Inc. Common Stock

15 South Main Street, Mansfield, PA, United States, 16933

Key Executives

Name Title Year Born
Mr. Randall E. Black Vice Chairman, Pres & CEO 1967
Mr. Stephen J. Guillaume Sr. VP & CFO 1977
Mr. Mickey L. Jones CPA, CPA Exec. VP, COO, Treasurer, Assistant Sec. & Director 1961
Ms. Kathleen M. Campbell CFMP Sr. VP, CFMP & Director of Marketing of First Citizens National Bank 1961
Ms. Cynthia T. Pazzaglia Sr. VP of HR 1959
Mr. Robert B. Mosso J.D., MBA Sr. VP & Wealth Management Division Mang. of First Citizens Community Bank 1971
Marina Smalanaskas Sr. VP & Southcentral Market Exec. 1972
Mr. Anthony Manerchia Sr. VP & Chief Banking Officer NA
Mr. Jeffrey L. Wilson Exec. VP & Chief Lending Officer of First Citizens Community Bank 1962
Mr. Jeffrey B. Carr Sr. VP & Chief Retail Banking Officer of First Citizens Community Bank 1970

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