CZFS

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Citizens Financial Services Inc. Common Stock

NASDAQ | CZFS

61.77

USD

$0.00

(

0.00%

)

At Close (As of Sep 17, 2025)

$300.31M

Market Cap

9.49

P/E Ratio

6.58

EPS

$73.04

52 Week High

$49.60

52 Week Low

FINANCIAL SERVICES

Sector

CZFS Chart

Recent Chart
Price Action

CZFS Technicals

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CZFS Earnings

Yearly Income Statement (As of Dec 31, 2024)

Field Value (USD)
Gross Profit $98M
Total Revenue $169M
Cost Of Revenue $70M
Costof Goods And Services Sold $70M
Operating Income $34M
Selling General And Administrative $41M
Research And Development -
Operating Expenses $64M
Investment Income Net -
Net Interest Income $85M
Interest Income $153M
Interest Expense $68M
Non Interest Income -
Other Non Operating Income -
Depreciation -
Depreciation And Amortization $1.8M
Income Before Tax $34M
Income Tax Expense $5.9M
Interest And Debt Expense -
Net Income From Continuing Operations $28M
Comprehensive Income Net Of Tax -
Ebit $34M
Ebitda $35M
Net Income $28M

Revenue & Profitability

Earnings Performance

CZFS Financials

yearly Balance Sheet (As of Dec 31, 2024)

Field Value (USD)
Total Assets $3B
Total Current Assets $103M
Cash And Cash Equivalents At Carrying Value $46M
Cash And Short Term Investments $46M
Inventory -
Current Net Receivables $10M
Total Non Current Assets $2.9B
Property Plant Equipment -
Accumulated Depreciation Amortization Ppe -
Intangible Assets $2.9M
Intangible Assets Excluding Goodwill $2.9M
Goodwill $86M
Investments -
Long Term Investments $428M
Short Term Investments $47M
Other Current Assets -
Other Non Current Assets -
Total Liabilities $2.7B
Total Current Liabilities $2.4B
Current Accounts Payable $4.7M
Deferred Revenue -
Current Debt -
Short Term Debt $25M
Total Non Current Liabilities $314M
Capital Lease Obligations -
Long Term Debt $273M
Current Long Term Debt $7.6M
Long Term Debt Noncurrent -
Short Long Term Debt Total $298M
Other Current Liabilities $2.4B
Other Non Current Liabilities -
Total Shareholder Equity $300M
Treasury Stock -
Retained Earnings $189M
Common Stock $5.2M
Common Stock Shares Outstanding $4.8M

yearly Cash Flow (As of Dec 31, 2024)

Field Value (USD)
Operating Cashflow $33M
Payments For Operating Activities -
Proceeds From Operating Activities -
Change In Operating Liabilities -
Change In Operating Assets -
Depreciation Depletion And Amortization $1.8M
Capital Expenditures $1.3M
Change In Receivables -
Change In Inventory -
Profit Loss -
Cashflow From Investment -$69M
Cashflow From Financing $25M
Proceeds From Repayments Of Short Term Debt -
Payments For Repurchase Of Common Stock -
Payments For Repurchase Of Equity -
Payments For Repurchase Of Preferred Stock -
Dividend Payout $9.3M
Dividend Payout Common Stock $9.3M
Dividend Payout Preferred Stock -
Proceeds From Issuance Of Common Stock -
Proceeds From Issuance Of Long Term Debt And Capital Securities Net -
Proceeds From Issuance Of Preferred Stock -
Proceeds From Repurchase Of Equity -$266K
Proceeds From Sale Of Treasury Stock -
Change In Cash And Cash Equivalents -
Change In Exchange Rate -
Net Income $28M

yearly Income Statement (As of Dec 31, 2024)

Field Value (USD)
Gross Profit $98M
Total Revenue $169M
Cost Of Revenue $70M
Costof Goods And Services Sold $70M
Operating Income $34M
Selling General And Administrative $41M
Research And Development -
Operating Expenses $64M
Investment Income Net -
Net Interest Income $85M
Interest Income $153M
Interest Expense $68M
Non Interest Income -
Other Non Operating Income -
Depreciation -
Depreciation And Amortization $1.8M
Income Before Tax $34M
Income Tax Expense $5.9M
Interest And Debt Expense -
Net Income From Continuing Operations $28M
Comprehensive Income Net Of Tax -
Ebit $34M
Ebitda $35M
Net Income $28M

Dividends

Field Value
Ex Dividend Date 2025-09-12
Declaration Date 2025-09-02
Record Date 2025-09-12
Payment Date 2025-09-26
Amount 0.5

CZFS News

CZFS Profile

Citizens Financial Services Inc. Common Stock Profile

Sector: FINANCIAL SERVICES

Industry: BANKS - REGIONAL

Citizens Financial Services, Inc. is a banking holding company that operates through its subsidiary, First Citizens Community Bank, providing a comprehensive range of financial products and services for individuals, businesses, governments, and institutional clients. Headquartered in Mansfield, Pennsylvania, the company focuses on community banking and has established a strong regional presence in the financial services sector. Citizens Financial combines traditional banking with modern technology, emphasizing customer experience and satisfaction while maintaining a commitment to prudent risk management and sustainable growth.

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$159.49
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$3.22
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$10.30
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$10.88
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$0.05
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$118.64
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-1.40%
$230.76
ATYR
-5.09%
$1.02
JD
+1.52%
$35.24
ITUB
+1.82%
$7.27
INFY
+3.60%
$17.67
RZLV
-3.60%
$7.08
RIG
-1.87%
$3.40
FAAS
-6.04%
$0.09
CUTR
-10.19%
$0.09
PET
-59.91%
$0.04
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$18.71
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CLSK
+2.14%
$11.44
BURU
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$0.13
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$29.33
HBAN
+0.63%
$17.54
JBLU
0.00%
$5.07
HIMS
-1.06%
$50.35
CAN
+0.23%
$0.80
ETWO
0.00%
$3.30
PEB
+2.03%
$11.79
RAYA
-3.83%
$0.04
GDXD
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$1.25
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$4.80
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+87.36%
$1.62
NVDA
-2.62%
$170.29
PLUG
+19.04%
$2.00
CGBS
-39.47%
$0.03
CDT
+40.10%
$0.89
BITF
+5.53%
$3.05
SNAP
+3.23%
$7.99
NFE
+8.00%
$2.16
SPRC
+142.93%
$4.47
NIO
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$7.44
QBTS
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$22.66
GRAB
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$6.10
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AAL
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$12.51
LYFT
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MARA
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SOUN
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SOFI
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RGTI
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TPIC
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PLTR
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$168.33
DNN
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ADAP
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$0.08
BBD
+2.95%
$3.30
PGRE
-11.43%
$6.54
F
+0.52%
$11.67
INTC
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$24.90
BMNR
+1.98%
$57.04
TNMG
-0.27%
$0.32
IPM
+22.79%
$2.37
LYT
-16.77%
$0.09
JOBY
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$14.16
BTG
+0.46%
$4.34
MULN
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WBD
-1.42%
$17.98
RR
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KDLY
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NAKA
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RIVN
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RMBL
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WULF
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$0.05
RELI
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OPI
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TLRY
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ETHD
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SRM
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VALE
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BINI
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HOOD
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NWTN
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CWD
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AMZN
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$230.76
ATYR
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$1.02
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$35.24
ITUB
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INFY
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RIG
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$3.40
FAAS
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CUTR
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BAC
+1.41%
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BTE
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$2.54
WLGS
-5.57%
$0.04
CLSK
+2.14%
$11.44
BURU
-0.86%
$0.13
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-0.97%
$29.33
HBAN
+0.63%
$17.54
JBLU
0.00%
$5.07
HIMS
-1.06%
$50.35
CAN
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$0.80
ETWO
0.00%
$3.30
PEB
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RAYA
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$0.04
GDXD
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