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Citizens Financial Services, Inc. CZFS

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Price alert · CZFS

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84.87 USD -1.17 (-1.36%)

At closeNov 6, 2026, 4:00 PM EST

84.59 -0.28 -0.33%

After hours · Nov 6, 4:00 PM ET

84.87 Day range 86.78
53.79 52-week range 87.30
YTD
+48.84%
1 year
+53.58%

Financial health

Altman Z-Score

0.46 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 3
  • P/B 3

Valuation

P/E 7.5×
FY 2016: 13.9×FY 2017: 16.7×FY 2018: 10.7×FY 2019: 11.0×FY 2020: 8.5×FY 2021: 8.2×FY 2022: 10.5×FY 2023: 15.9×FY 2024: 10.8×FY 2025: 7.5×
FY 2016 5y median 10.5× FY 2025
P/S 1.6×
FY 2016: 3.4×FY 2017: 3.8×FY 2018: 3.0×FY 2019: 3.0×FY 2020: 2.6×FY 2021: 2.8×FY 2022: 3.2×FY 2023: 2.0×FY 2024: 1.8×FY 2025: 1.6×
FY 2016 5y median 2.0× FY 2025
P/B 0.8×
FY 2016: 1.4×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.1×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/FCF 7.8×
FY 2016: 11.2×FY 2017: 14.0×FY 2018: 9.2×FY 2019: 10.1×FY 2020: 19.4×FY 2021: 6.3×FY 2022: 9.5×FY 2023: 11.7×FY 2024: 9.3×FY 2025: 7.8×
FY 2016 5y median 9.3× FY 2025
EV/EBITDA 11.5×
FY 2016: 14.4×FY 2017: 15.7×FY 2018: 11.5×FY 2019: 11.0×FY 2020: 6.9×FY 2021: 3.5×FY 2022: 14.4×FY 2023: 22.8×FY 2024: 15.5×FY 2025: 11.5×
FY 2016 5y median 14.4× FY 2025
EV/Sales 3.1×
FY 2016: 4.5×FY 2017: 5.3×FY 2018: 3.9×FY 2019: 3.8×FY 2020: 2.7×FY 2021: 1.5×FY 2022: 5.7×FY 2023: 3.8×FY 2024: 3.3×FY 2025: 3.1×
FY 2016 5y median 3.3× FY 2025
FCF Yield 12.9%
FY 2016: 8.9%FY 2017: 7.2%FY 2018: 10.9%FY 2019: 9.9%FY 2020: 5.2%FY 2021: 15.9%FY 2022: 10.5%FY 2023: 8.5%FY 2024: 10.7%FY 2025: 12.9%
FY 2016 5y median 10.7% FY 2025

Profitability

Gross Margin 63.3%
FY 2016: 87.1%FY 2017: 85.2%FY 2018: 82.2%FY 2019: 80.5%FY 2020: 87.1%FY 2021: 89.9%FY 2022: 86.1%FY 2023: 62.2%FY 2024: 58.2%FY 2025: 63.3%
FY 2016 5y median 63.3% FY 2025
Operating Margin 26.0%
FY 2016: 30.8%FY 2017: 33.6%FY 2018: 33.2%FY 2019: 33.1%FY 2020: 37.2%FY 2021: 41.3%FY 2022: 38.1%FY 2023: 15.5%FY 2024: 20.0%FY 2025: 26.0%
FY 2016 5y median 26.0% FY 2025
Net Margin 21.1%
FY 2016: 24.8%FY 2017: 23.0%FY 2018: 28.0%FY 2019: 27.7%FY 2020: 30.7%FY 2021: 34.0%FY 2022: 31.2%FY 2023: 12.8%FY 2024: 16.5%FY 2025: 21.1%
FY 2016 5y median 21.1% FY 2025
ROE 10.8%
FY 2016: 10.3%FY 2017: 10.1%FY 2018: 13.0%FY 2019: 12.6%FY 2020: 12.9%FY 2021: 13.7%FY 2022: 14.5%FY 2023: 6.4%FY 2024: 9.3%FY 2025: 10.8%
FY 2016 5y median 10.8% FY 2025
ROIC 5.3%
FY 2016: 5.8%FY 2017: 5.1%FY 2018: 7.4%FY 2019: 7.7%FY 2020: 6.9%FY 2021: 9.5%FY 2022: 6.0%FY 2023: 2.7%FY 2024: 4.4%FY 2025: 5.3%
FY 2016 5y median 5.3% FY 2025
ROA 1.2%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.3%FY 2019: 1.3%FY 2020: 1.3%FY 2021: 1.4%FY 2022: 1.2%FY 2023: 0.6%FY 2024: 0.9%FY 2025: 1.2%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 2.7%
FY 2016: 18.2%FY 2017: 11.5%FY 2018: 13.6%FY 2019: 9.1%FY 2020: 16.1%FY 2021: 4.7%FY 2022: 8.9%FY 2023: 49.0%FY 2024: 21.5%FY 2025: 2.7%
FY 2016 FY 2025
Operating Income 33.9%
FY 2016: 9.2%FY 2017: 21.6%FY 2018: 12.5%FY 2019: 8.7%FY 2020: 30.3%FY 2021: 16.3%FY 2022: 0.5%FY 2023: -39.4%FY 2024: 56.6%FY 2025: 33.9%
FY 2016 FY 2025
EPS (diluted) 31.6%
FY 2016: -0.3%FY 2017: 3.9%FY 2018: 38.7%FY 2019: 8.7%FY 2020: 19.2%FY 2021: 13.1%FY 2022: 0.1%FY 2023: -43.9%FY 2024: 45.5%FY 2025: 31.6%
FY 2016 FY 2025
Free Cash Flow 10.6%
FY 2016: 29.7%FY 2017: -0.5%FY 2018: 35.1%FY 2019: 1.4%FY 2020: -48.9%FY 2021: 245.5%FY 2022: -15.9%FY 2023: -24.3%FY 2024: 33.2%FY 2025: 10.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.9×
FY 2016: 0.6×FY 2017: 0.9×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.3×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 5.7×
FY 2016: 3.4×FY 2017: 4.5×FY 2018: 2.7×FY 2019: 2.1×FY 2020: 0.2×FY 2021: -3.0×FY 2022: 6.2×FY 2023: 10.6×FY 2024: 7.1×FY 2025: 5.7×
FY 2016 5y median 6.2× FY 2025
Interest Coverage 0.7×
FY 2016: 3.1×FY 2017: 3.3×FY 2018: 2.2×FY 2019: 1.9×FY 2020: 3.7×FY 2021: 5.0×FY 2022: 3.2×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 2.9%FY 2017: 2.4%FY 2018: 3.2%FY 2019: 2.9%FY 2020: 3.1%FY 2021: 3.1%FY 2022: 2.5%FY 2023: 3.0%FY 2024: 3.1%FY 2025: 3.5%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 26.1%
FY 2016: 40.2%FY 2017: 39.7%FY 2018: 33.9%FY 2019: 32.4%FY 2020: 26.0%FY 2021: 25.4%FY 2022: 26.1%FY 2023: 47.7%FY 2024: 33.4%FY 2025: 26.1%
FY 2016 5y median 26.1% FY 2025

Annual · latest fiscal year ends 2025-12-31