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CZFS · Citizens Financial Services Inc · Financials

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$85.48 -0.34 (-0.40%) At close · Nov 12
Market Cap
$411.22M
Shares
4.81M
Volume · Nov 12 25.35K Avg daily vol (3M) 37.01K

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Revenue
$112.35M +10.3%
FY2025 Revenue FY2009–FY2025
Net Income
$36.57M +31.5%
FY2025 Net Income FY2009–FY2025
Diluted EPS
$7.62 +31.6%
FY2025 Diluted EPS FY2010–FY2025
Operating Cash Flow
$36.53M +10.1%
FY2025 Operating Cash Flow FY2009–FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Line Item TTM FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013 FY2012 FY2011 FY2010 FY2009
$120.69M $112.35M $101.86M $91.87M $81.87M $78.42M $73.61M $58.33M $54.92M $50.91M $45.86M $38.26M $37.69M $37.34M $38.39M $35.53M $33.96M $31.49M
$164.35M $159.17M $154.32M $127.12M $83.36M $73.22M $70.3M $61.98M $56.76M $48.09M $43.01M $35.65M $35.29M $36.23M $38.09M $38.29M $39M $38.62M
$105.28M $98M $86.46M $80.26M $72.13M $66.11M $62.19M $49.94M $47.18M $42.25M $37.96M $30.83M $30.34M $29.92M $30.43M $28.61M $27.66M $25.38M
$15.41M $14.34M $15.4M $11.61M $9.74M $12.31M $11.42M $8.39M $7.74M $8.66M $7.9M $7.42M $7.36M $7.42M $7.97M $6.92M $6.3M $6.1M
$659K $744K $861K $674K $461K $457K $395K $440K $480K $474K $500K $156K — — — — — —
$2.02M $2.1M $1.81M $1.52M $1.03M $1.11M $1.14M $1.04M $387K $200K $320K $464K $472K $428K $420K $469K $457K $654K
$59.07M $61.17M $67.86M $46.86M $11.22M $7.11M $8.11M $12.04M $9.57M $5.84M $5.04M $4.82M $4.95M $6.32M $7.66M $9.68M $11.34M $13.23M
$52.57M $45.24M $33.88M $21.58M $35.5M $35.32M $30.37M $23.31M $21.44M $19.06M $15.67M $14.35M $16.94M $17.13M $18.55M $16.44M $14.66M $12.55M
$9.6M $8.67M $6.07M $3.76M $6.44M $6.2M $5.26M $3.82M $3.4M $6.03M $3.03M $2.72M $3.56M $3.75M $4.33M $3.61M $3.16M $2.68M
$42.97M $36.57M $27.82M $17.81M $29.06M $29.12M $25.1M $19.49M $18.03M $13.03M $12.64M $11.63M $13.39M $13.38M $14.22M $12.83M $11.5M $9.86M
— 32.55% 27.31% 19.39% 35.49% 37.13% 34.1% 33.42% 32.84% 25.58% 27.56% 30.39% 35.51% 35.82% 37.02% 36.12% 33.87% 31.33%
$33.09M $47.72M $29.21M $26.04M -$3.93M $26.38M $28.32M $22.78M $17.51M $11.58M $11.48M $10.62M $15.38M $7.52M $13.9M $16.73M $10.52M $11.88M
USD/shares $8.94 $7.62 $5.80 $3.98 $7.17 $7.17 $6.33 $5.26 $4.89 $3.56 $3.47 $3.49 $4.23 $4.25 $4.47 $4.04 $3.79 $3.27
USD/shares $8.94 $7.62 $5.79 $3.98 $7.17 $7.17 $6.33 $5.25 $4.89 $3.56 $3.47 $3.49 $4.23 $4.25 $4.46 $4.04 $3.79 —
shares — 4.8M 4.8M 4.48M 4.06M 4.06M 3.96M 3.71M 3.69M 3.66M 3.65M 3.33M 3.16M 3.15M 3.18M 3.18M 3.04M —
shares — 4.8M 4.8M 4.48M 4.06M 4.06M 3.96M 3.71M 3.69M 3.66M 3.65M 3.33M 3.17M 3.15M 3.18M 3.18M 3.04M —
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $19.9M in buybacks, $100.24M in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

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Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balanceAs ofAmountSource
Debt and lease obligations 2026-09-30 USD 512,489,000 10-Q filed 2026-11-05
Instrument and agreement coverage is incomplete. Additional filings are awaiting review.
1 filing has incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

4.00% fixed-to-floating rate subordinated notes due 2031

Note · Citizens Financial Services, Inc.

Reference: 4.00% fixed-to-floating rate subordinated notes due 2031

Active
Original principal
USD 10,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
Apr 16, 2031

Last reported interest terms: 4% at the rate per year, reset quarterly, equal to the sum of a base rate equal to the then current 90-day average secured overnight financing rate, determined on the determination date of the applicable interest period, plus 323 basis points Reported 2021-04-16 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2021-04-16 Original principal USD 10,000,000 Exact source document Parent 8-K filing · 2021-04-16
    On April 16, 2021, Citizens Financial Services, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers (the “Purchasers”) pursuant to which the Company issued and sold, at 100% of their principal amount, $10 million aggregate principal amount of the Company’s 4.00% fixed-to-floating rate subordinated notes due 2031 (the “Notes”).
    Issuer evidence: On April 16, 2021, Citizens Financial Services, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers (the “Purchasers”) pursuant to which the Company issued and sold, at 100% of their principal amount, $10 million aggregate principal amount of the Company’s 4.00% fixed-to-floating rate subordinated notes due 2031 (the “Notes”).
    Supporting evidence: The Notes have a stated maturity of April 16, 2031, and bear interest (i) at a fixed rate of 4.00% per year, from and including the original issue date to but excluding April 16, 2026 or the earlier redemption date, computed on the basis of a 360-day year consisting of twelve 30-day months and payable semiannually in arrears on June 30 and December 30 of each year, beginning June 30, 2021 and (ii) from and including April 16, 2026 to but excluding the maturity date or earlier redemption date, at the rate per year, reset quarterly, equal to the sum of a base rate equal to the then current 90-day average secured overnight financing rate, determined on the determination date of the applicable interest period, plus 323 basis points, computed on the basis of a 360-day year and the actual number of days elapsed and payable quarterly in arrears on March 30, June 30, September 30 and December 30 of each year. The Notes are redeemable, in whole or in part, on or after April 16, 2026, and at any time upon the occurrence of certain events.
    Supporting evidence: On April 16, 2021, Citizens Financial Services, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers (the “Purchasers”) pursuant to which the Company issued and sold, at 100% of their principal amount, $10 million aggregate principal amount of the Company’s 4.00% fixed-to-floating rate subordinated notes due 2031 (the “Notes”).
    Supporting evidence: On April 16, 2021, Citizens Financial Services, Inc. (the “Company”) entered into a Subordinated Note Purchase Agreement (the “Purchase Agreement”) with certain qualified institutional buyers (the “Purchasers”) pursuant to which the Company issued and sold, at 100% of their principal amount, $10 million aggregate principal amount of the Company’s 4.00% fixed-to-floating rate subordinated notes due 2031 (the “Notes”).

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue
7.43×
Peer median 3.65×
EV/EBIT
—
P/E (TTM)
9.56×
Peer median 11.90×
Price/Sales (TTM)
3.41×
Peer median 3.43×
Price/Book
1.17×
Peer median 1.25×

Peer medians compare against the 261 similar-size Banks - Regional companies (of 324 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component FY2025 FY2024 FY2023 FY2022
Community Banking $173,512,000 $169,718,000 $138,723,000 $93,095,000

By Product & Service (USD)

Component FY2020 FY2019 FY2018
Interchange Revenue $2,287,000 $2,294,000 $2,259,000
Brokerage and Insurance $1,297,000 $1,141,000 $790,000
Overdraft Fees $1,171,000 $1,536,000 $1,551,000
Trust Fees $803,000 $750,000 $705,000
Financial Service Other $339,000 $348,000 $350,000
Automated Teller Machine Income $323,000 $392,000 $400,000
Service Charges on Deposit Accounts Other $233,000 $259,000 $251,000
Statement Fees $207,000 $206,000 $206,000
Key facts CIK 739421 CUSIP 174615104 13F (30d) 70 filings 58 filers Visit website