CZFS
Citizens Financial Services, Inc.NASDAQFinancial Services$63.41+2.03%ClosedMarket Cap: $304.8M
As of 2026-04-06
Valuation
P/E (TTM)
8.33
PEG
0.26
P/B
0.91
P/S
1.77
EV/EBITDA
12.93
DCF Value
$125.83
FCF Yield
11.3%
Div Yield
3.1%
Margins & Returns
Gross Margin
63.4%
Operating Margin
26.0%
Net Margin
21.1%
ROE
11.4%
ROA
1.2%
ROIC
-2.0%
Income Statement
| Period | Revenue | Gross Margin | Operating Income | Net Income | EPS | Dividend |
|---|---|---|---|---|---|---|
| Q4 2025 | $44.5M | 65.3% | $12.9M | $10.5M | $2.18 | $0.50 |
| FY 2025 | $173.2M | 63.3% | $45.1M | $36.6M | $7.62 | $1.99 |
| Q3 2025 | $44.1M | 64.6% | $12.4M | $10.0M | $2.09 | $0.50 |
| Q2 2025 | $42.4M | 62.6% | $10.4M | $8.5M | $1.76 | $0.49 |
| Q1 2025 | $42.4M | 60.8% | $9.4M | $7.6M | $1.58 | $0.50 |
| Q4 2024 | $43.1M | 60.8% | $9.5M | $8.0M | $1.66 | $0.49 |
| FY 2024 | $168.6M | 58.2% | $33.7M | $27.8M | $5.79 | $1.96 |
| Q3 2024 | $42.4M | 59.6% | $9.3M | $7.5M | $1.57 | $0.49 |
| Q2 2024 | $41.2M | 54.9% | $6.4M | $5.3M | $1.10 | $0.49 |
| Q1 2024 | $41.8M | 57.5% | $8.5M | $7.0M | $1.46 | $0.49 |
| Q4 2023 | $42.0M | 59.9% | $9.2M | $7.5M | $1.57 | $0.49 |
| FY 2023 | $138.7M | 62.2% | $21.5M | $17.8M | $3.98 | $1.95 |