Citizens Financial Services, Inc.
CZFSFinancial ServicesNASDAQBanks - Regional
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Daily timeframePart of the financial services sector, Citizens Financial Services, Inc. (CZFS) is listed under Banks - Regional. At a $359.6M market cap, Citizens Financial Services, Inc. ranks as a small-cap company within financial services. 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.
Market Cap
$359.6M
Beta
0.38
P/E (TTM)
9.14
P/E (Fwd)
9.00
EPS (TTM)
$8.19
EPS (Fwd)
$8.31
ROE
12.1%
ROA
1.3%
Cash
$44.0M
Total Debt
$202.9M
Free CF
—
52W Change
25.0%
Annual Financials
Cash vs Debt
Citizens Financial Services, Inc. carries $202.9M in total debt against $44.0M in cash reserves — debt is roughly 4.6x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 12.1%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $81.9M (2022) to $112.3M (2025), reflecting a 37% increase over the period.
With a beta below 0.7, Citizens Financial Services, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Citizens Financial Services, Inc.'s trajectory.