CITIZENS FINANCIAL SERVICES INC (CZFS)
About CITIZENS FINANCIAL SERVICES INC
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
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Financial summary
- Revenue FY2025
- $9.9M
- Net income
- $36.6M
- Total assets
- $3.1B
- Market cap
- $359.8M
- Operating margin
- 457.8%
- Net margin
- 370.1%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $9.9M
- Operating expenses
- -$35.4M
- Operating income
- $45.2M
- Income tax
- $8.7M
- Net income
- $36.6M
- EPS (basic)
- $7.62
- EPS (diluted)
- $7.62
Balance sheet
- Total assets
- $3.1B
- Current assets
- $3.1B
- Total liabilities
- $2.7B
- Current liabilities
- $2.7B
- Shareholders’ equity
- $338.1M
Cash flow
- Operating cash flow
- $36.5M
- Investing cash flow
- -$40.1M
- Financing cash flow
- -$4.4M
- Net cash flow
- -$7.9M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $359.8M
- P/E ratio
- 9.8
- EPS (diluted)
- $7.62
- Dividend yield
- 2.72%
- Shares outstanding
- 4.2M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jan 14, 1997
Citizens Financial Services Inc (CZFS) Stock Price
- Profitable — net income of $36.6M in FY2025.
- Revenue grew 15% from FY2022 to FY2025.
- Trading near its 52-week high.
- Pays a dividend yielding about 2.72% annually.
- Valued at a price-to-earnings (P/E) ratio of 9.8.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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Citizens Financial Services Inc: frequently asked questions
Is Citizens Financial Services Inc an American company?
Citizens Financial Services Inc is a US-based company headquartered in Mansfield, Pennsylvania, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is Citizens Financial Services Inc headquartered?
Citizens Financial Services Inc is headquartered in Mansfield, Pennsylvania, United States.
Is Citizens Financial Services Inc publicly traded?
Yes — Citizens Financial Services Inc is a publicly traded company. Its stock trades under the ticker symbol CZFS on the NASDAQ.
What does Citizens Financial Services Inc do?
Citizens Financial Services Inc is an American Financial Services company in the Business & Financial Services sector.
