← CITIZENS FINANCIAL SERVICES INC CZFS
Market Price
$83.45
Market Cap
$400.97M
P/E Ratio
10.95
Revenue (FY 2025)
↑2.8% YoY
$9.88M
3-Yr CAGR: 4.8%
Net Income
↑31.5% YoY
$36.57M
Net Margin: 370.1%
Free Cash Flow
↑10.6% YoY
$35.25M
FCF Yield: 8.79%
EPS (Diluted)
↑30.3% YoY
$7.62
Basic: $7.62
Return on Equity
Efficiency
10.8%
ROA: 1,646.6%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CZFS)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2019: Revenue YoY (+6.4%) is identical to Gross Profit YoY (+6.4%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (-3.8%) is identical to Gross Profit YoY (-3.8%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2023: Revenue YoY (+4.5%) is identical to Gross Profit YoY (+4.5%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+7.1%) is identical to Gross Profit YoY (+7.1%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+2.8%) is identical to Gross Profit YoY (+2.8%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $38.0M | — | $32.9M | $12.6M | — | $3.78 | — | $16.2M | $16.2M | — |
| FY 2017 | $42.3M | +11.3% | $36.4M | $13.0M | +3.1% | $3.74 | -1.1% | $15.7M | $15.7M | -2.8% |
| FY 2018 | $6.5M | -84.6% | $6.5M | $18.0M | +38.5% | $5.14 | +37.4% | $21.5M | $21.5M | +36.5% |
| FY 2019 | $6.9M | +6.4% | $6.9M | $19.5M | +8.1% | $5.53 | +7.6% | $21.8M | $21.8M | +1.3% |
| FY 2020 | $6.7M | -3.8% | $6.7M | $25.1M | +28.8% | $6.59 | +19.2% | $11.8M | $11.8M | -45.7% |
| FY 2021 | $7.7M | +16.2% | $0.6M | $29.1M | +16.0% | $7.38 | +12.0% | $38.7M | $38.7M | +227.3% |
| FY 2022 | $8.6M | +11.0% | $8.6M | $29.1M | -0.2% | $7.32 | -0.8% | $33.2M | $31.6M | -18.3% |
| FY 2023 | $9.0M | +4.5% | $9.0M | $17.8M | -38.7% | $4.06 | -44.5% | $26.5M | $23.9M | -24.3% |
| FY 2024 | $9.6M | +7.1% | $9.6M | $27.8M | +56.2% | $5.85 | +44.1% | $33.2M | $31.9M | +33.2% |
| FY 2025 | $9.9M | +2.8% | $9.9M | $36.6M | +31.5% | $7.62 | +30.3% | $36.5M | $35.2M | +10.6% |
Valuation
Market Price
$83.45
Market Cap
$400.97M
Enterprise Value
N/A
P/E Ratio
10.95
P/B Ratio
1.19
FCF Yield
8.79%
Dividend Yield
2.37%
Shares Outstanding
Profitability & Margins
Gross Margin
13.91%
Operating Margin
457.83%
Net Margin
370.12%
Return on Equity (ROE)
10.82%
Return on Assets (ROA)
1,646.65%
Asset Turnover
4.45x
Revenue 3-Yr CAGR
4.79%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$34.29M
Total Debt
N/A
Book Value / Share
$70.36
Cash Flow Efficiency
Operating Cash Flow
$36.53M
Capital Expenditures (CapEx)
$1.28M
Free Cash Flow
$35.25M
OCF / Revenue
369.74%
FCF / Revenue
356.75%
FCF 3-Yr CAGR
3.70%
Per Share Metrics
EPS (Diluted)
$7.62
EPS (Basic)
$7.62
Dividends / Share
$1.98
Book Value / Share
$70.36
EPS YoY Growth
30.26%
Balance Sheet (FY 2025)
Total Assets
$2.22M
Total Liabilities
$2.73B
Stockholders' Equity
$338.05M
Current Assets
N/A
Current Liabilities
N/A