Citizens Financial Services, Inc.
CZFSNASDAQFinancialsBanks - Regional
As of Oct 15, 2026 close
- Market cap
- $379.95M
- P/E (TTM)
- 9.26
- Forward P/E
- 7.12
- Dividend yield
- 2.55%
- 52-week range
- $52.35$84.65
- Volume (live)
- -
- Avg. volume (3M)
- 36.55K
Citizens Financial Services (CZFS) Stock Price & Financial Analysis
Citizens Financial Services Stock Price Chart
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Financial Metrics & Key Statistics
Fundamental metrics, valuation ratios, and profitability indicators
| Day's Range | $78.29 - $79.71 |
|---|---|
| 52-Week High | $84.65 |
| 52-Week Low | $52.35 |
| Open | $78.75 |
| Volume (last close) | 24.70K |
| Average Volume (3M) | 36.55K |
| Revenue (TTM) | 130.63M |
|---|---|
| Net Income (TTM) | 41.05M |
| Free Cash Flow (TTM) | 36.91M |
| EPS (TTM) | $8.55 |
| Profit Margin | 31.43% |
| Operating Margin | 38.54% |
| Return on Equity (ROE) | 11.63% |
| Debt to Equity | 1.12 |
| Annual Dividend | $2.02 |
|---|---|
| Dividend Yield | 2.55% |
| Payout Ratio | 23.62% |
| Last Dividend Ex-Date | Sep 11, 2026 |
| Market Cap | 379.95M |
|---|---|
| Shares Outstanding | 4.80M |
| P/E Ratio (TTM) | 9.26 |
| Forward P/E | 7.12 |
| Price to Sales (P/S) | 2.91 |
| Price to Book (P/B) | 1.08 |
| EV/EBITDA | 27.30 |
| 50-Day MA | $80.92 |
|---|---|
| 200-Day MA | $69.27 |
| 1-Year Change | +48.78% |
Source: Market prices and company fundamentals. Data as of Oct 15, 2026. Data sources and methodology
Citizens Financial Services at a Glance
As of the Oct 15, 2026 close, Citizens Financial Services (CZFS) has a market capitalization of $379.95M. The stock trades at 9.3× trailing earnings, 7.1× forward earnings and 2.9× sales. Over the trailing twelve months it earned $41.05M on revenue of $130.63M (a 31.4% profit margin) and generated $36.91M of free cash flow. Revenue grew 41.1% year over year.
As of its latest reported balance sheet, it holds $39.43M in cash and securities against $394.02M of debt, a net debt position of $354.60M.
Citizens Financial Services pays a quarterly dividend totaling $2.02 per share a year, a 2.55% yield at the Oct 15, 2026 close, with a 24% payout ratio and 24 consecutive years of dividend increases.
The share price is up 48.8% over the past year. At $79.12 (the Oct 15, 2026 close) it sits within its 52-week range of $52.35 to $84.65, above its 200-day moving average of $69.27.
Based on 1 professional analyst rating from the past 90 days, the consensus is Buy.
Frequently Asked Questions About Citizens Financial Services
What is the current stock price for CZFS?
As of the Oct 15, 2026 close, CZFS stock trades at $79.12. The 52-week range is $52.35–$84.65, with a day range of $78.29–$79.71.
What is the P/E ratio for CZFS?
As of the Oct 15, 2026 close, Citizens Financial Services's trailing twelve-month (TTM) P/E ratio is 9.3, meaning investors pay $9.3 for every $1 of annual earnings. The forward P/E is 7.1, reflecting analyst expectations for future earnings. Citizens Financial Services operates in the Financials sector.
Does CZFS pay dividends?
Yes, Citizens Financial Services pays a 2.55% annual dividend yield as of the Oct 15, 2026 close ($2.02 per share a year). The trailing twelve-month payout ratio is 23.6%. The most recent ex-dividend date was September 11, 2026.
What do analysts recommend for CZFS?
Based on ratings from 1 professional analyst over the last 90 days, the consensus for CZFS is Buy.
What is the market cap of CZFS?
As of the Oct 15, 2026 close, Citizens Financial Services's market capitalization is $379.9M, classifying it as a small-cap company. Citizens Financial Services operates in the Financials sector within the Banks - Regional industry.