Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap307.93M
Enterprise Value583.08M
Trailing P/E8.42
Forward P/E6.40
CZFS
(NASDAQ)Citizens Financial Services, Inc.
$64.15-- (--)
Loading... - Market loading
Citizens Financial Services (CZFS) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)2.42
Forward Price/Sales1.94
Price/Book (mrq)0.91
Price/Tangible Book (mrq)1.23
Price/OCF (ttm)15.55
PEG Ratio0.27
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue4.58
EV/Earnings15.94
EV/EBITDA12.93
Stock Price
Current price, 52-week range, and moving averages
Current Price$64.15
1-Day Change0.36%
52-Week High$69.30
52-Week Low$49.96
52-Week Change-0.17%
YTD Change15.27%
1-Year Change3.50%
50-Day MA$61.53
200-Day MA$59.10
Avg Volume (30 day)17.03K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding4.80M
Book Value per Share$70.43
Net Cash per Share$7.14
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin86.23%
EBITDA Margin (ttm)35.44%
Operating Margin (ttm)35.44%
Pretax Margin (ttm)35.44%
Profit Margin (ttm)28.75%
FCF Margin (ttm)24.04%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)10.82%
Return on Assets (ttm)1.19%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue127.22M
Gross Profit109.70M
Operating Income45.09M
Pretax Income45.09M
Net Income36.57M
EBITDA45.09M
Diluted EPS$7.62
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow19.80M
Growth Rates (YoY)
Year-over-year growth metrics
Revenue Growth24.90%
Dividend Growth1.79%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)3.06B
Cash & Securities (mrq)34.29M
Net Cash (mrq)34.29M
Net Cash per Share$7.14
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)309.45M
Working Capital (mrq)-30.06M
Total Equity (mrq)338.05M
Book Value per Share$70.43
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)0.94
Quick Ratio (mrq)0.94
Debt/Equity (mrq)0.92
Debt/EBITDA (ttm)6.86
Debt/FCF (ttm)9.37
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$1.99
Dividend Yield3.09%
Payout Ratio (Earnings)26.04%
Payout Ratio (FCF)31.94%
Dividend Growth (YoY)1.79%
Years of Dividend Growth4
Ex-Dividend DateDec 12, 2025
Pay DateDec 26, 2025
Dividend FrequencyQuarterly
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield11.88%
Buyback Yield0.00%
Total Shareholder Yield3.09%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score0.20
Piotroski F-Score5/9
Dividend Score66.63
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Lynch Fair Value$237.69
Lynch Upside/Downside270.53%
Graham Number$109.90
Graham Upside/Downside71.31%