Citizens Financial Services, Inc.

Citizens Financial Services, Inc.

CZFS
Citizens Financial Services, Inc.US flagNASDAQ Capital Market
64.40
USD
-0.63
- -
309.44MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.64
10.8
10.99
12.07
13.5
14.61
15.61
18.4
19.1
20.02
20.55
21
23.42
24.12
Basic EPS, GAAP
3.81
3.84
3.34
3.33
3.46
4.8
5.21
6.28
7.09
7.11
3.98
5.8
7.62
8.2
Free Cash Flow per Basic Share
4.98
4.26
3.46
4.11
4.12
5.58
5.69
2.72
9.16
7.73
5.35
6.64
7.35
8.92
Dividend per Share
1.01
1.75
1.48
1.34
1.37
1.63
1.69
1.63
1.8
1.86
1.9
1.94
1.99
2
Book Value per Share
22.12
23.74
25.7
25
24.9
27.58
30.7
32.75
36.63
41.41
39.85
40.57
45.62
47.29
Tangible Book Value per Share
23.31
25.74
27.65
26.34
27.52
30.42
34.82
40.31
43.72
40.95
42.56
44
52.13
53.31
Basic Weighted Avg Shares
4
3
3
4
4
4
4
4
4
4
4
5
5
5
Sales/Revenue/Turnover
37
38
38
46
51
55
58
74
78
82
92
101
112
116
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
1
1
1
1
2
2
2
2
Net Income, GAAP
13
13
12
13
13
18
19
25
29
29
18
28
37
39
Effective Tax Rate (%)
21.91
21
18.97
19.36
31.65
15.87
16.39
17.33
17.55
18.13
17.45
17.9
19.16
19.02
Profit Margin (%)
35.82
35.51
30.39
27.56
25.58
32.84
33.42
34.1
37.13
35.49
19.39
27.61
32.55
33.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
67
42
42
80
115
91
85
89
74
257
271
273
294
199
Total Equity
92
101
120
123
129
139
155
194
212
200
280
300
338
344
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
17.53
16.68
13.49
13.7
13.8
18.26
17.85
20.43
20.7
18.18
10.25
14.92
17.69
18.43

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
280
294
199
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
289
274
293

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
108
74
134
Accounts Receivable, Net
11
11
11
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4
3
4
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.55%
12.65%
12.78%
Free Cash Flow
26.59%
49.81%
10.57%
Net Income, GAAP
15.18%
12.95%
31.47%
Sales/Revenue/Turnover
11.55%
8.87%
11.5%
Total Cash Common Dividend
6.53%
7.96%
2.64%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
25
25
25
26
101
2025
26
27
29
30
112
2026
30
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.46
1.09
1.57
1.66
5.8
2025
1.59
1.76
2.09
2.19
7.62
2026
2.16
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.48
0.48
0.49
0.49
1.94
2025
0.49
0.5
0.5
0.5
1.99
2026
0.5
- -
- -
- -
- -

Company Description

APIChat
CEO
Randall E. Black
Full Time Employees
379
Sector
Financial Services
Industry
Banks - Regional
Address
15 South Main Street Mansfield PA United States of America 16933
IPO Date
Jan 4, 1999
Business
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, delivering a broad spectrum of banking solutions for individual customers, businesses, governmental bodies, and institutional clients. The bank provides diverse deposit options, encompassing various checking, savings, and time deposit accounts. Its lending portfolio features residential, commercial, and agricultural real estate financing, alongside commercial and industrial loans, funding for state and political subdivisions, and a variety of consumer loans, among other specialized financial offerings. Furthermore, the company extends professional trust administration, investment management capabilities, estate planning and execution, safekeeping of securities, and individual retirement account services. Beyond this, it offers brokerage and financial planning expertise, support with oil and gas leasing matters, mutual funds, annuities, and health and life insurance products. As of late 2025, the bank operates approximately 43 offices, including 37 branch locations throughout numerous cities and towns in Pennsylvania, complemented by additional offices across three other states, notably in New York and Delaware. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate office in Mansfield, Pennsylvania.

Company News

APIChat
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