CZFS Citizens Financial Services, Inc.
Financial Services$64.86+1.98%ClosedMarket Cap: $311.6M
As of 2026-05-26
Valuation
P/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%
Income Statement
Periods shown are fiscal year quarters (may differ from calendar year)
| Period | Revenue | Gross Margin | Operating Income | Net Income | EPS | Dividend |
|---|---|---|---|---|---|---|
| Q1 null | $43.8M | 66.5% | $12.7M | $10.4M | $— | $0.50 |
| Q4 null | $44.5M | 65.3% | $12.9M | $10.5M | $— | $0.50 |
| FY null | $173.2M | 63.3% | $45.1M | $36.6M | $— | $1.99 |
| Q3 null | $44.1M | 64.6% | $12.4M | $10.0M | $— | $0.50 |
| Q2 null | $42.4M | 62.6% | $10.4M | $8.5M | $— | $0.49 |
| Q1 null | $42.4M | 60.8% | $9.4M | $7.6M | $— | $0.50 |
| Q4 null | $43.1M | 60.8% | $9.5M | $8.0M | $— | $0.49 |
| FY null | $168.6M | 58.2% | $33.7M | $27.8M | $— | $1.96 |
| Q3 null | $42.4M | 59.6% | $9.3M | $7.5M | $— | $0.49 |
| Q2 null | $41.2M | 54.9% | $6.4M | $5.3M | $— | $0.49 |
| Q1 null | $41.8M | 57.5% | $8.5M | $7.0M | $— | $0.49 |
| Q4 2023 | $42.0M | 59.9% | $9.2M | $7.5M | $1.57 | $0.49 |