Touchstone
Last syncNov 1, 2026, 6:55 PM ET

CZFS

Citizens Financial Services Inc Financials State Commercial Banks Russell 3000
$85.35Close $448.6MMarket cap $78.05 – $85.3552-week range Jan 29, 2027Next report · estimated

Highlights

Strengths

  • Earnings growing EPS +20% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 6, 2026
Off 12-month high 0%
1wk up 0.9% price change
1mo up 8.6% price change
12-month return up 7% total, dividends included
F-score — — Not assessed
Altman Z — Unknown
P/E 12.3× price / earnings
PEG 0.39 P/E / EPS growth
P/B 1.3× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 3% year on year
EPS growth up 20% latest quarter · -16 pts
Sales growth up 3% latest quarter · +7 pts
ROE up 11% return on equity
Free cash margin —
D/E 0.92 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 2.6% $2.18 a day · 2×ATR $80.99
RS — vs the universe
Trend — trend template
Relative volume 2.5× vs 50-day average
Up/down volume 1.36 50 sessions
Implied move — no scheduled report

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 30, 2026
Results reaction Oct 30, 2026+2% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $9.9M +3% on FY2024
$0 $10M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $6.7M FY2021 · $7.7M FY2022 · $8.6M FY2023 · $9.0M FY2024 · $9.6M FY2025 · $9.9M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $36.6M +31% on FY2024
$0 $50M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $25.1M FY2021 · $29.1M FY2022 · $29.1M FY2023 · $17.8M FY2024 · $27.8M FY2025 · $36.6M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 370%
0% 500% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 377% FY2021 · Net 376% FY2022 · Net 338% FY2023 · Net 199% FY2024 · Net 289% FY2025 · Net 370%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $68.7M · Long-term debt $88.8M FY2021 · Cash $172.8M · Long-term debt $74.0M FY2022 · Cash $26.2M · Long-term debt $257.3M FY2023 · Cash $52.8M · Long-term debt $322.0M FY2024 · Cash $42.2M · Long-term debt $297.7M FY2025 · Cash $34.3M · Long-term debt $309.4M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 5.26m +20.8% since FY2020
5.26m 4.35m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 4.35m FY2021 · 4.39m FY2022 · 4.43m FY2023 · 5.16m FY2024 · 5.21m FY2025 · 5.26m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $6.7M $7.7M $8.6M $9.0M $9.6M $9.9M
Net income $25.1M $29.1M $29.1M $17.8M $27.8M $36.6M
Net margin 377% 376% 338% 199% 289% 370%
Earnings per share $6.46 $7.24 $7.17 $3.98 $5.79 $7.62
Cash $68.7M $172.8M $26.2M $52.8M $42.2M $34.3M
Long-term debt $88.8M $74.0M $257.3M $322.0M $297.7M $309.4M
Shareholders' equity $194.3M $212.5M $200.1M $279.7M $299.7M $338.1M
Shares outstanding 4.35m 4.39m 4.43m 5.16m 5.21m 5.26m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 6, 2026 Quarterly ↗ Jun 30, 2026 37d
May 7, 2026 Quarterly ↗ Mar 31, 2026 37d
Mar 12, 2026 Annual ↗ Dec 31, 2025 71d
Nov 6, 2025 Quarterly ↗ Sep 30, 2025 37d
Aug 7, 2025 Quarterly ↗ Jun 30, 2025 38d
May 8, 2025 Quarterly ↗ Mar 31, 2025 38d
Mar 6, 2025 Annual ↗ Dec 31, 2024 65d
Nov 7, 2024 Quarterly ↗ Sep 30, 2024 38d
Aug 8, 2024 Quarterly ↗ Jun 30, 2024 39d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Mar 7, 2024 Annual ↗ Dec 31, 2023 67d
Nov 8, 2023 Quarterly ↗ Sep 30, 2023 39d

Current reports

FiledDisclosed
Oct 30, 2026 Results ↗
Jul 30, 2026 Results ↗
Jun 22, 2026 Director or officer change ↗
Apr 29, 2026 Regulation FD ↗
Apr 29, 2026 Results ↗
Apr 22, 2026 Director or officer change · Shareholder vote · Other events ↗
Apr 21, 2026 Regulation FD ↗
Feb 18, 2026 Other events ↗
Jan 29, 2026 Regulation FD ↗
Jan 29, 2026 Results ↗
Jan 15, 2026 Director or officer change ↗
Dec 17, 2025 Other events ↗