NASDAQ · CZFS

Citizens Financial Services, Inc.

$75.97 +$1.09 (+1.46%) 1D After hours
Charting by TradingView

Key Metrics

$359.79M
Market cap
9.15×
P/E · TTM
$9.78M
Revenue · TTM
$39.33M
Net income
EPS · TTM $8.19
Dividend yield 2.7%
Free cash flow $42.77M
Beta · 1Y 0.29
EBITDA · TTM $50.69M
Gross margin —

Snapshot

Market cap$359.79M
Enterprise value—
Shares outstanding4.8M
52-wk range$49.99 – $76.00
Avg volume · 20D11.1K
Net cash —
Book value / share$71.59
IndustryState Commercial Banks
ExchangeNASDAQ
About Citizens Financial Services, Inc.
IPO dateJan 14, 1997
Employees405

Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers.

Wolf Grade COMING SOON

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The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.

Valuation

P/E9.15
P/S36.79
P/FCF8.41
EV/EBITDA—
EV/Sales—
Graham №$114.89

Profitability

Gross —
Operating 496.6%
Net 402.2%
FCF 437.4%
ROE / ROIC 12.2% · 12.7%

Financial Health

Current ratio—
Quick ratio—
Debt / equity—
Debt / EBITDA —
Net cash —
Working capital—

Cash Flow · TTM

Operating CF $43.61M
Capex −$836.00K
Free cash flow $42.77M
Buybacks $459.00K
Dividends paid $9.60M
Shareholder yield 2.8%

Piotroski F-Score

4 / 9
Middling fundamentals · 4 of 9 signals passing

Altman Z-Score

0.2
Distress zone (< 1.81) · elevated risk

Graham Number vs Price

$114.89 vs $75.97
Trades below classic defensive value — Graham-cheap
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings