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Citizens Financial Services, Inc. (CZFS)

Citizens Financial Services, Inc. at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

Citizens Financial Services, Inc. (CZFS) is a Banks - Regional company based in US with a market capitalization of $320.9M. Revenue grew 2.8% year-over-year and the company generated $35.2M in free cash flow. This page tracks CZFS's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 379 employees · IPO Jan 4, 1999

Valuation

Valuation & price

$63.11 · as of May 17, 2026 · -14.9% vs 52w high

8.3

P/E ratio

Latest-FY diluted EPS

0.95

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$73.82$63.12$52.42Jul 25Dec 25Jul 26Jul 7, 25$62.52Jul 9, 25$64.70Jul 11, 25$60.90Jul 15, 25$59.45Jul 17, 25$59.85Jul 21, 25$60.45Jul 23, 25$60.38Jul 25, 25$58.00Jul 29, 25$54.45Jul 31, 25$53.69Aug 4, 25$53.59Aug 6, 25$52.42Aug 11, 25$56.06Aug 13, 25$59.25Aug 15, 25$56.70Aug 19, 25$55.68Aug 21, 25$57.20Aug 25, 25$61.18Aug 27, 25$62.13Aug 29, 25$59.96Sep 3, 25$60.05Sep 5, 25$61.41Sep 9, 25$61.19Sep 11, 25$64.03Sep 16, 25$62.47Sep 18, 25$64.95Sep 22, 25$62.68Sep 24, 25$60.60Sep 26, 25$61.49Sep 30, 25$60.28Oct 2, 25$57.05Oct 6, 25$57.84Oct 8, 25$57.48Oct 10, 25$54.26Oct 14, 25$56.12Oct 16, 25$53.18Oct 21, 25$56.65Oct 23, 25$55.31Oct 27, 25$55.35Oct 29, 25$53.60Oct 31, 25$54.79Nov 4, 25$55.26Nov 6, 25$55.26Nov 10, 25$57.27Nov 12, 25$56.10Nov 14, 25$56.17Nov 18, 25$54.96Nov 20, 25$54.80Nov 25, 25$57.25Nov 28, 25$55.89Dec 2, 25$54.21Dec 4, 25$57.12Dec 8, 25$58.60Dec 10, 25$61.60Dec 12, 25$61.20Dec 16, 25$61.47Dec 18, 25$60.98Dec 22, 25$58.77Dec 24, 25$58.66Dec 29, 25$57.96Jan 2, 26$55.65Jan 6, 26$57.08Jan 8, 26$59.04Jan 12, 26$60.32Jan 14, 26$61.19Jan 16, 26$64.40Jan 21, 26$67.25Jan 23, 26$65.54Jan 27, 26$61.81Jan 29, 26$61.83Feb 2, 26$65.36Feb 4, 26$67.60Feb 9, 26$65.36Feb 11, 26$62.70Feb 13, 26$63.92Feb 18, 26$62.95Feb 20, 26$62.97Feb 24, 26$60.44Feb 26, 26$62.21Mar 2, 26$60.71Mar 4, 26$63.22Mar 6, 26$61.50Mar 10, 26$60.81Mar 12, 26$59.76Mar 17, 26$59.24Mar 19, 26$59.98Mar 23, 26$61.79Mar 25, 26$58.81Mar 27, 26$60.31Mar 31, 26$61.15Apr 2, 26$63.41Apr 7, 26$66.10Apr 9, 26$68.99Apr 13, 26$68.08Apr 15, 26$66.10Apr 17, 26$68.35Apr 22, 26$68.98Apr 24, 26$65.96Apr 28, 26$67.21Apr 30, 26$63.16May 4, 26$60.45May 6, 26$63.90May 8, 26$63.80May 12, 26$63.13May 14, 26$62.57May 18, 26$64.04May 20, 26$64.91May 22, 26$63.60May 28, 26$66.10Jun 1, 26$65.03Jun 3, 26$62.65Jun 5, 26$65.37Jun 9, 26$67.51Jun 11, 26$67.72Jun 15, 26$66.52Jun 17, 26$66.45Jun 22, 26$67.44Jun 24, 26$71.00Jun 26, 26$73.82Jul 2, 26$72.21
$52.4252-week range$74.13
Loading valuation history…

Fundamentals

Key fundamentals

$320.9M

Market cap

2.8%

Revenue growth (YoY)

63.3%

Gross margin

$35.2M

Free cash flow (USD)

$235.3M

Net debt

1.0%

Share dilution

3/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$50.9MFY 2017$56.7MFY 2018$64.5MFY 2019$70.4MFY 2020$81.7MFY 2021$85.5MFY 2022$93.1MFY 2023$138.7MFY 2024$168.6MFY 2025$173.2M
$50.9M$173.2M

Free cash flow by year

2016 → 2025

FY 2016$15.6MFY 2017$15.5MFY 2018$21.0MFY 2019$21.3MFY 2020$10.9MFY 2021$37.6MFY 2022$31.6MFY 2023$23.9MFY 2024$31.9MFY 2025$35.2M
$15.6M$35.2M

Gross margin by year

2021 → 2025

FY 202189.9%FY 202286.1%FY 202362.2%FY 202458.2%FY 202563.3%
89.9%63.3%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

2

Insider buys · 90 days

2

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 7, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • Insider sellInsider Sell $2KGephart LeeAnn · EXECUTIVE VICE PRESIDENT · $1.9KJun 25, 2026Filing
  • 8-K eventDirector AppointmentJun 22, 2026Filing
  • Insider buyInsider Buy $2KGuillaume Stephen J · SENIOR VICE PRESIDENT · $2.1KJun 2, 2026Filing
  • Insider sellInsider Sell $2KGephart LeeAnn · EXECUTIVE VICE PRESIDENT · $1.6KMay 28, 2026Filing
  • Insider buyInsider Buy $9KPainter John P II · Director · $8.9KMay 12, 2026Filing
  • Quarterly report10-Q FiledMay 7, 2026Filing
  • 8-K eventEarnings ReleaseApr 29, 2026Filing
  • 8-K eventInvestor Presentation ReleasedApr 29, 2026Filing
  • 8-K eventEquity Incentive Plan EstablishedApr 22, 2026Filing
  • 8-K eventInvestor PresentationApr 21, 2026Filing

Questions

Frequently asked questions

What is Citizens Financial Services, Inc.'s market cap?

Citizens Financial Services, Inc. (CZFS) has a market capitalization of $320.9M.

What is CZFS's P/E ratio?

CZFS trades at a price-to-earnings ratio of 8.3, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is CZFS's price-to-book (P/B) ratio?

CZFS trades at 0.95 times book value per share.

Are insiders buying CZFS stock?

Yes — SEC Form 4 filings show 2 open-market insider buys and 2 sells at Citizens Financial Services, Inc. in the last 90 days.

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

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News

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Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.