CITIZENS FINANCIAL SERVICES INC
CZFSNasdaq
$73.62
↓ -1.6%Jul 17 close · end-of-day
Price
1Y↑ +24.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$353.3M
Enterprise Value
$320.2M
P/E
9.0
P/S
36.1
P/B
1.0
EV/EBITDA
—
PEG
4.4
FCF Yield
—
Dividend Yield
2.7%
Revenue (TTM)
$9.8M
Net Income (TTM)
$39.3M
Free Cash Flow (TTM)
—
Gross Margin
—
Operating Margin
—
Net Margin
402.2%
ROE
11.5%
ROIC
—
Debt / Equity
—
Net Cash
$33.1M
Return 1Y
+27.0%
Company profile
Management & directors
- Gephart LeeannEXECUTIVE VICE PRESIDENT
- Black Randall ECEO & PRESIDENT
- Guillaume Stephen JEXECUTIVE VICE PRESIDENT
- Wilson Jeffrey LEXECUTIVE VICE PRESIDENT
- White Jeffrey REXECUTIVE VICE PRESIDENT
- Richards David Z JrEXECUTIVE VICE PRESIDENT
Roles derived from SEC Form 4 filings.
Earnings
CZFS Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$2.3M↓ -4.2%
Diluted EPS$2.16↑ +35.8%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $6.7M | $7.7M | $8.6M | $9.0M | $9.6M | $9.9M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $25.1M | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M |
| Diluted EPS | $6.46 | $7.24 | $7.17 | $3.98 | $5.79 | $7.62 |
| Operating cash flow | $11.8M | $38.7M | $33.2M | $26.5M | $33.2M | $36.5M |
| Free cash flow | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 376.9% | 376.3% | 338.4% | 198.5% | 289.5% | 370.1% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.4M | $2.5M | $2.3M | $2.4M | $2.4M | $2.8M | $2.3M | $2.3M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $5.3M | $7.5M | $8.0M | $7.6M | $8.5M | $10.0M | $10.5M | $10.4M |
| Diluted EPS | $1.10 | $1.57 | $1.64 | $1.59 | $1.76 | $2.09 | $2.18 | $2.16 |
| Operating cash flow | $3.0M | $6.2M | $10.5M | $10.9M | $6.0M | $2.9M | $16.7M | $18.0M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 220.7% | 300.2% | 347.5% | 312.5% | 357.5% | 361.1% | 455.0% | 444.0% |
Company news
Coming soonHeadlines for CZFS will appear here once the news feed is connected.
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-09 | Gephart LeeAnn· EXECUTIVE VICE PRESIDENT | Sale | 15 | $71.52 | $1,072.80 | filing |
| 2026-07-09 | LANDY R JOSEPH | Gift | 20 | $0.00 | $0.00 | filing |
| 2026-06-25 | Gephart LeeAnn· EXECUTIVE VICE PRESIDENT | Sale | 29 | $66.52 | $1,929.08 | filing |
| 2026-06-25 | BLACK RANDALL E· CEO & PRESIDENT | Award | 563 | $0.00 | $0.00 | filing |
| 2026-06-25 | Guillaume Stephen J· EXECUTIVE VICE PRESIDENT | Award | 311 | $0.00 | $0.00 | filing |
| 2026-06-25 | WILSON JEFFREY L· EXECUTIVE VICE PRESIDENT | Award | 49 | $0.00 | $0.00 | filing |
| 2026-06-25 | Gephart LeeAnn· EXECUTIVE VICE PRESIDENT | Award | 153 | $0.00 | $0.00 | filing |
| 2026-06-25 | White Jeffrey R· EXECUTIVE VICE PRESIDENT | Award | 336 | $0.00 | $0.00 | filing |
| 2026-06-15 | Freeman Thomas E. | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | KUNES CHRISTOPHER W | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | DePaola Rinaldo A | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | LANDY R JOSEPH | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | Behm John D | Award | 29 | $0.00 | $0.00 | filing |
| 2026-06-15 | Hilifger Janie M | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | Painter John P II | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | BOWER JOSEPH B JR | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | OSBORNE TERRY B | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | JONES MICKEY L | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-15 | GRAHAM ROGER C JR | Award | 88 | $0.00 | $0.00 | filing |
| 2026-06-10 | LANDY R JOSEPH | Gift | 20 | $0.00 | $0.00 | filing |
| 2026-05-29 | Guillaume Stephen J· SENIOR VICE PRESIDENT | Buy | 34 | $61.78 | $2,100.52 | filing |
| 2026-05-28 | Gephart LeeAnn· EXECUTIVE VICE PRESIDENT | Sale | 24 | $64.78 | $1,554.72 | filing |
| 2026-05-12 | Painter John P II | Buy | 140 | $63.67 | $8,913.80 | filing |
| 2026-05-04 | LANDY R JOSEPH | Gift | 40 | $0.00 | $0.00 | filing |
| 2026-04-30 | Hilifger Janie M | Award | 99 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.