Citizens Financial Services, Inc.

Financial Services · Banks - Regional

79.90$ +0.7% vs. previous close Closing price · As of: Sep 25, 2026

Statements

Ratios

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Last 12 Full history

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Valuation ratios (P/E, P/S, EV/EBITDA and the other multiples) are based on the closing price at the end of each period, not on the current price. Margins and returns are shown in percent, multiples without a unit, per-share figures in the reporting currency, net debt in millions.

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Ratios CZFS
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Valuation
P/E (price/earnings)	15.3	15.1	14.8	14.8	15.1	17.4	16.1	15.0	14.0	11.1	12.7	11.9	10.9	11.3	9.0	9.6	7.6	8.8	8.1	8.1	8.3	8.2	9.1	10.1	9.9	10.5	11.2	16.7	12.4	17.2	12.9	8.0	10.2	10.8	9.7	8.9	8.5	7.5	7.5	8.5
P/S (price/sales)	3.7	3.7	3.6	3.6	3.8	4.0	3.8	3.7	3.6	3.1	3.5	3.2	3.0	3.1	2.5	2.6	2.3	2.7	2.7	2.8	2.8	2.8	3.0	3.3	3.2	3.3	3.3	2.8	1.8	2.2	1.5	1.3	1.7	1.8	1.6	1.7	1.7	1.6	1.7	2.0
P/B (price/book)	1.5	1.5	1.5	1.5	1.6	1.8	1.7	1.7	1.7	1.4	1.6	1.5	1.4	1.4	1.1	1.1	0.9	1.1	1.2	1.2	1.2	1.1	1.2	1.4	1.5	1.5	1.5	1.2	0.9	1.1	0.8	0.8	0.9	1.0	0.9	0.9	0.9	0.8	0.9	1.0
EV/Revenue	5.1	6.1	4.7	5.4	5.7	7.3	7.4	7.6	5.8	3.2	4.6	5.7	5.6	4.4	4.4	4.2	3.7	3.9	2.8	3.7	3.3	2.4	3.1	5.6	8.8	8.2	8.7	8.3	4.0	4.3	3.1	3.1	2.8	3.3	3.2	3.2	3.1	3.1	2.6	4.0
EV/EBITDA	16.4	19.5	15.1	17.0	17.4	21.4	21.8	22.1	16.8	9.5	13.8	17.3	17.0	13.1	12.7	12.5	9.9	10.5	7.0	8.8	8.2	5.6	7.6	13.5	21.7	20.8	23.7	38.6	21.2	26.2	20.7	14.5	13.4	15.6	14.8	13.4	12.7	11.9	9.3	13.8
Price/Free Cash Flow	13.0	12.2	9.6	10.0	11.5	14.6	14.4	14.8	12.8	9.5	11.9	10.0	9.5	10.4	8.5	40.7	71.2	20.3	11.9	6.5	5.4	6.4	6.9	9.0	9.5	9.6	11.0	16.5	13.7	12.8	8.5	5.6	7.4	9.4	9.6	9.0	9.7	7.5	6.7	9.1
FCF yield	7.7%	8.2%	10.5%	10.0%	8.7%	6.9%	7.0%	6.7%	7.8%	10.5%	8.4%	10.0%	10.5%	9.6%	11.8%	2.5%	1.4%	4.9%	8.4%	15.4%	18.5%	15.7%	14.5%	11.1%	10.6%	10.4%	9.1%	6.1%	7.3%	7.8%	11.7%	18.0%	13.5%	10.6%	10.5%	11.2%	10.3%	13.3%	15.0%	11.0%
Margins
Gross margin	88.0%	87.1%	86.3%	85.5%	85.3%	85.2%	84.8%	84.4%	83.4%	82.2%	81.1%	80.2%	80.1%	80.5%	81.5%	83.6%	85.6%	87.1%	88.3%	88.5%	88.7%	89.9%	90.4%	90.8%	89.4%	86.1%	81.9%	72.3%	66.9%	62.2%	58.8%	58.9%	58.0%	58.2%	59.0%	60.9%	62.2%	63.4%	64.8%	65.9%
Operating margin	30.1%	30.8%	30.5%	31.3%	32.2%	33.6%	33.8%	34.3%	34.2%	33.2%	32.7%	32.2%	32.5%	33.1%	33.3%	32.9%	35.8%	37.2%	40.2%	41.9%	41.0%	41.3%	40.2%	40.1%	39.2%	38.1%	35.7%	20.5%	17.8%	15.5%	14.1%	20.1%	19.9%	20.0%	20.4%	22.6%	24.2%	26.0%	27.7%	28.6%
Net margin	24.5%	24.8%	24.4%	24.7%	25.0%	23.0%	23.8%	24.9%	25.5%	28.0%	27.5%	27.0%	27.2%	27.7%	27.8%	27.5%	29.7%	30.7%	33.4%	34.6%	33.8%	34.0%	32.9%	32.8%	32.2%	31.2%	29.1%	16.9%	14.7%	12.8%	11.7%	16.6%	16.3%	16.5%	16.8%	18.5%	19.8%	21.1%	22.5%	23.3%
FCF margin	28.8%	30.7%	37.8%	36.6%	32.9%	27.4%	26.6%	25.2%	28.1%	32.5%	29.2%	31.9%	31.4%	30.1%	29.4%	6.5%	3.2%	13.3%	22.8%	43.4%	52.2%	44.0%	43.7%	36.7%	33.7%	33.9%	29.8%	17.1%	13.3%	17.2%	17.7%	23.7%	22.5%	18.9%	17.1%	18.5%	17.3%	21.0%	25.2%	21.7%
Returns
Return on equity (ROE)	9.5%	10.3%	10.1%	10.2%	10.5%	10.1%	10.8%	11.5%	12.0%	13.0%	12.7%	12.4%	12.5%	12.6%	12.3%	11.0%	12.1%	12.9%	14.6%	14.8%	14.1%	13.7%	13.5%	14.2%	14.7%	14.5%	13.7%	6.9%	6.9%	6.4%	6.4%	9.6%	9.2%	9.3%	9.2%	10.1%	10.4%	10.8%	11.4%	11.6%
Return on assets (ROA)	1.0%	1.0%	1.0%	1.0%	1.1%	1.0%	1.0%	1.1%	1.1%	1.3%	1.3%	1.3%	1.3%	1.3%	1.3%	1.1%	1.2%	1.3%	1.5%	1.5%	1.4%	1.4%	1.3%	1.2%	1.2%	1.2%	1.2%	0.6%	0.6%	0.6%	0.6%	0.9%	0.9%	0.9%	0.9%	1.1%	1.1%	1.2%	1.3%	1.3%
Balance Sheet & Debt
Net debt	65	120	56	94	107	187	211	238	141	6.7	75	170	185	91	131	117	110	95	8.0	75	43	-36	12	192	489	456	544	587	268	296	250	293	191	252	261	260	245	271	162	355
Net debt/EBITDA	4.3	7.5	3.5	5.5	6.0	9.7	10.5	11.3	6.5	0.3	3.4	7.6	8.0	3.8	5.4	4.7	3.9	3.2	0.2	2.1	1.2	-1.0	0.3	5.5	13.8	12.5	14.8	25.4	11.5	12.8	10.7	8.3	5.4	7.1	7.2	6.4	5.8	5.9	3.3	6.9
Equity ratio	10.5%	10.1%	10.2%	10.1%	10.2%	9.5%	9.4%	9.5%	9.5%	9.7%	9.9%	10.2%	10.3%	10.6%	10.9%	10.2%	10.2%	10.3%	10.0%	10.2%	10.2%	9.9%	9.3%	8.8%	8.1%	8.6%	9.1%	9.1%	8.9%	9.4%	9.7%	9.7%	9.9%	9.9%	10.2%	10.6%	10.7%	11.0%	11.4%	11.1%
Debt/equity	0.7	1.2	0.6	1.0	1.0	1.7	1.8	2.0	1.3	0.3	0.8	1.4	1.4	0.8	1.0	0.9	1.1	0.9	0.9	1.0	0.7	0.7	0.7	1.1	2.7	2.4	2.7	2.4	1.2	1.3	1.0	1.2	0.8	1.0	1.0	1.0	0.9	0.9	0.6	1.1
Per Share
Earnings per share (EPS)	3.17	3.37	3.43	3.51	3.64	3.49	3.75	4.08	4.34	4.86	4.91	4.95	5.18	5.27	5.31	5.02	5.62	6.17	7.14	7.53	7.29	7.17	6.75	6.82	6.95	7.18	7.29	4.41	3.82	3.71	3.78	5.65	5.76	5.85	5.98	6.58	7.10	7.62	8.19	8.55
Revenue per share	12.97	13.59	14.04	14.23	14.53	15.19	15.74	16.36	16.98	17.37	17.87	18.33	19.03	19.04	19.08	18.29	18.90	20.07	21.40	21.73	21.55	21.05	20.51	20.77	21.61	23.01	25.00	26.14	25.99	28.93	32.27	34.11	35.25	35.48	35.62	35.50	35.86	36.15	36.42	36.63
Book value per share	33.39	32.90	33.83	34.24	34.76	34.54	34.82	35.52	36.14	37.49	38.52	39.96	41.42	41.88	43.28	45.75	46.36	47.71	48.86	50.71	51.83	52.30	49.96	48.12	47.30	49.47	53.23	63.99	55.34	58.33	59.52	59.08	62.86	63.07	64.88	65.33	68.27	70.45	71.59	73.48
Free cash flow per share	3.73	4.17	5.31	5.20	4.78	4.16	4.19	4.13	4.76	5.65	5.22	5.84	5.97	5.73	5.61	1.19	0.60	2.67	4.87	9.43	11.25	9.25	8.97	7.62	7.27	7.81	7.44	4.47	3.46	4.99	5.70	8.08	7.94	6.71	6.08	6.55	6.21	7.60	9.17	7.94

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: September 25, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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