CZFS · Citizens Financial Services Inc
$75.97
At close · Jul 27
Market Cap
$365.03M
Shares
4.80M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$9.88M
+2.8%
FY2025
Net Income
$36.57M
+31.5%
FY2025
Diluted EPS
$7.62
+31.6%
FY2025
Operating Cash Flow
$36.53M
+10.1%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $9.78M | $9.88M | $9.61M | $8.97M | $8.59M | $7.74M | $6.66M | $6.93M | $6.51M | — | — | — | — | — | — | — | — | — | |
| $160.43M | $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 | |
| $101.11M | $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 | |
| $14.61M | $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 | |
| $720K | $744K | $861K | $674K | $461K | $457K | $395K | $440K | $480K | $474K | $500K | $156K | — | — | — | — | — | — | |
| — | $2.1M | $1.81M | $1.52M | $1.03M | $1.11M | $1.14M | $1.04M | $387K | $200K | $320K | $464K | $472K | $428K | $420K | $469K | $457K | $654K | |
| $56.81M | — | — | $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 | |
| $48.51M | $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 | |
| $9.19M | $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 | |
| $39.33M | $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 | |
| — | 370.12% | 289.47% | 198.52% | 338.42% | 376.35% | 376.92% | 281.4% | 276.93% | — | — | — | — | — | — | — | — | — | |
| $44.88M | $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 | — | $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 | — | $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.
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
—
EV/EBIT
—
P/E (TTM)
9.28×
Peer median 12.82×
Peer medians compare against the 244 similar-size Banks - Regional companies (of 307 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)
16 filings
16 filers
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