CZFS
Citizens Financial Services, Inc.
Banks - Regional · Financial Services · United States
84.90
close · 2026-10-29
value
72
cheaper than peers72
quality
59
stronger fundamentals59
ranked against
Banks - Regional
value
quality
279 peers
Value inputs
| measure | company | vs peers |
| forward P/E | 9.64× | 70 |
| price to book | 1.16× | 66 |
| price to sales | 3.43× | 63 |
3 of 12 measures available
Quality inputs
| measure | company | vs peers |
| return on equity | 12.3% | 71 |
| operating margin | 44.5% | 60 |
| revenue growth | 10.0% | 38 |
3 of 4 measures available
Facts
| market cap | $408M |
| free cash flow | — |
| employees | 388 |
| first trade | 1999-01-04 |
| next earnings | 2026-07-30 |
| fundamentals updated | 2026-08-17 |
Annual history
| measure | 2025 | 2024 | 2023 | 2022 |
| diluted eps | 7.62 | 5.79 | 3.98 | 7.10 |
| free cash flow | $35.2M | $31.9M | $23.9M | $31.6M |
| net income | $36.6M | $27.8M | $17.8M | $29.1M |
| revenue | $112.3M | $100.8M | $91.9M | $81.9M |
| unusual items | $0 | $1.1M | -$9.3M | -$292,000 |