CZFS

MKT CAP:$311M

Citizens Financial Services Inc. Common Stock

Market Cap

$311M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$65.37+$10.19 (+18.46%)

Jun 5, 2026

52W High $69.0252W Low $51.16

Company Details

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, sa...

CEO

—

IPO Date

Jan 2, 2001

Website

www.firstcitizensbank.com

Key Metrics TTM

Revenue

$175M

+3.3% YoY

Net Income

$39M

EPS (Diluted)

Free Cash Flow

$42M

Revenue / Share

$36.42

Gross Margin

64.8%

Operating Margin

27.7%

Net Margin

22.5%

FCF Margin

24.3%

P/S

1.8x

P/E

7.9x

Earnings Reports

Q2 2026

Jul 29, 2026

PENDING

Q1 2026

Apr 29, 2026

$44M+3.1%

FY 2025

Jan 29, 2026

$173M+2.7%

Q4 2025

Jan 29, 2026

$44M+3.1%

Q3 2025

Oct 30, 2025

$44M+3.9%

Revenue & Profitability

Valuation

Operating Cash Flow

CapEx Spend

OpEx vs Revenue Growth (YoY)

Stock-Based Compensation

OpEx Breakdown

War Chest

Shares Outstanding

Revenue Per Employee

Revenue / Employee