CZFS Citizens Financial Services, Inc.
Financial ServicesAs of 2026-05-25
Valuation
View DetailsP/E (TTM)
8.78
PEG
0.28
P/B
0.89
P/S
1.75
EV/EBITDA
9.74
DCF Value
$124.78
FCF Yield
13.9%
Div Yield
3.1%
Margins & Returns
Gross Margin
64.8%
Operating Margin
27.7%
Net Margin
22.5%
ROE
11.9%
ROA
1.3%
ROIC
6.8%
Financials
View All| Period | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 null | $43.8M | $10.4M | $— |
| Q4 null | $44.5M | $10.5M | $— |
| FY null | $173.2M | $36.6M | $— |
| Q3 null | $44.1M | $10.0M | $— |
Analyst Ratings
View AllConsensus
Buy
Target (Consensus)
$—
Target (Median)
$—
Target Range
$— - $—
Trading Activity
Insider Trades
View AllCompany Info
Sector
Financial Services
Industry
Banks - Regional
Country
US
Exchange
—
Beta
0.40
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.