Citizens Financial Services, In (CZFS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Citizens Financial Services, In

NasdaqCM•Financial Services•Banks - Regional

$82.92-0.67(-0.01%)Market closed

Market Cap

$394.68M

P/E

9.6x

P/S

2.2x

P/B

1.1x

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, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

How this company scores

WeakMetricSide Score: 68/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (22/25); weakest: Balance Sheet & Red Flags (8/25).

Profitability20/25

Growth18/25

Balance Sheet & Red Flags8/25

Cash & Earnings Quality22/25

Strengths

Rising free cash flowStrong marginsRising earningsProfit converts from growth

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.6x5y range 7.4x – 17.1x

Currently near its 20-quarter median.

P/S · 2.2x5y range 1.3x – 3.2x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.7x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $394.68M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $176.14M
Q. Revenue: $43.52M
TTM EBITDA: $35.97M
TTM Op. Income: $35.53M
Q. Op. Income: $8.33M
TTM Net Income: $41.05M
Q. Net Income: $10.19M
EPS: $2.12
Shares Out.: $4.80M

$176.14M in TTM revenue grew 3.4% YoY, reaching $43.52M last quarter. TTM EBITDA of $35.97M and TTM operating income of $35.53M show growth is flowing through to the bottom line. TTM net income of $41.05M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 68.3%
EBITDA Margin: 19.4%
Op. Margin: 19.1%
Net Margin: 23.4%

Op. margin of 19.1% is up 3.2% YoY — cost efficiency is improving. Net margin at 23.4% and gross margin of 68.3% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.6x
P/S Ratio: 2.2x
P/B Ratio: 1.1x

At 9.6x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 8% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.19B
Cash: $39.43M
Long-Term Debt: N/A
Book Value: $352.83M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-89,000
TTM Free Cash Flow: $36.91M
FCF Margin: 21.0%
FCF / Net Income: 0.9

TTM FCF of $36.91M on $-89,000 in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 17% — a weakening trend.