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

Citizens Financial Services, Inc. (CZFS) has a market capitalization of $369.4M and trades on NASDAQ.

What is Citizens Financial Services, Inc.'s revenue and profitability?

Citizens Financial Services, Inc. generated $115.7M in trailing twelve-month revenue with net income of $39.3M, representing a net margin of 34.0%, with free cash flow of $42.8M. These figures are based on the Q1 2026 filing.

Who are Citizens Financial Services, Inc.'s competitors?

Citizens Financial Services, Inc.'s key competitors include M&T Bank, Fulton Financial Corporation, Community Trust Bancorp Inc, and others. These companies compete in similar markets and product categories.

Who does Citizens Financial Services, Inc. partner with?

Citizens Financial Services, Inc.'s notable partners include Freddie Mac, Fannie Mae.

What subsidiaries does Citizens Financial Services, Inc. have?

Citizens Financial Services, Inc.'s subsidiaries include First Citizens Community Bank, First Citizens Insurance Agency, Inc..

Where is Citizens Financial Services, Inc. headquartered?

Citizens Financial Services, Inc. is headquartered in United States of America and employs approximately 423 people. It has been publicly traded since 1997.

Citizens Financial Services, Inc.

CZFS

Citizens Financial Services, Inc. is a bank holding company that operates primarily through its wholly owned subsidiary, First Citizens Community Bank.

Market cap

$369.4M+43.6%

Revenue$115.7M+13.1%

Net income$39.3M+38.4%

Free cash flow$42.8M+48.2%

EPS (diluted)$8.19+38.3%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

April 29, 2026

Revenue$29.8MBeat by $684.0K EPS$2.16Beat by $0.18

Read the full report

Next report

Date not yet announced

Financials

Q1 2026

Income statement

See full

Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

See full

Cash & equivalents$33.1M-10.0%

Total debt$198.7M-34.2%

Total equity$343.6M+11.4%

Total assets$3.0B+0.3%

Cash flow

See full

Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation & ratios

Valuation

See full

Market cap$369.4M+43.6%

Enterprise value$535.04M+1.8%

P/E9.4×+1.1×

P/S3.2×+0.7×

Profitability

See full

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

See full

Return on equity12.1%+2.4pp

Debt / equity0.6×-0.4×

Segments

By segment

See full

Community Banking$44.0M+3.6%

Competitors

By market cap

M&T Bank$36.6B+20.4%

Fulton Financial$4.7B+40.6%

Community Financial System$3.4B+19.3%

CTB

Community Trust Bancorp$1.4B+41.9%

Civista Bancshares$609.0M+56.9%

Citizens & Northern$450.3M+51.3%

Citizens Financial Services, Inc.$369.4M+41.1%

SB Financial Group$166.6M+31.4%

By revenue growth

Citizens & Northern+27.7%

Civista Bancshares+14.6%

SB Financial Group+14.2%

Citizens Financial Services, Inc.+13.1%

CTB

Community Trust Bancorp+12.9%

Community Financial System+10.0%

Fulton Financial+6.7%

M&T Bank+5.8%

By net margin

CTB

Community Trust Bancorp36.13%+1.6pp

Citizens Financial Services, Inc.33.98%+6.2pp

M&T Bank30.45%+1.8pp

Civista Bancshares29.31%+4.9pp

Fulton Financial28.85%+3.5pp

Community Financial System26.55%+1.6pp

SB Financial Group23.84%+4.8pp

Citizens & Northern17.79%-6.4pp

Profile

Citizens Financial Services, Inc. is a bank holding company that operates primarily through its wholly owned subsidiary, First Citizens Community Bank. The company provides a comprehensive suite of retail and commercial banking services, including deposit products, lending solutions, and trust and investment management. It serves individual, business, and institutional customers across Pennsylvania, New York, Delaware, and New Jersey.

Competitive position

A regional community bank that competes by offering localized service and specialized agricultural and mineral management expertise against both larger institutions and fintech entities.

GeographiesPennsylvania, New York, Delaware, New Jersey

Customer segmentsRetail consumers, Small and medium enterprises, Agricultural businesses, Municipalities

Business modelInterest-based lending, Fee-based asset management, Traditional retail banking

SuppliersFederal Reserve System, Depositors, Financial technology providers, Credit rating agencies

CustomersHomeowners, Commercial developers, Farmers, Local government entities, Small business owners

CountryUnited States of America

Listed1997

Employees423.0

CEORandall E. Black

SectorFinancial Services

IndustryBanks - Regional

Websitefirstcitizensbank.com

FilingsSEC EDGAR

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Questions, answered.

What is Citizens Financial Services, Inc.'s market cap?: Citizens Financial Services, Inc. (CZFS) has a market capitalization of $369.4M and trades on NASDAQ.
What is Citizens Financial Services, Inc.'s revenue and profitability?: Citizens Financial Services, Inc. generated $115.7M in trailing twelve-month revenue with net income of $39.3M, representing a net margin of 34.0%, with free cash flow of $42.8M. These figures are based on the Q1 2026 filing.
Who are Citizens Financial Services, Inc.'s competitors?: Citizens Financial Services, Inc.'s key competitors include M&T Bank, Fulton Financial Corporation, Community Trust Bancorp Inc, and others. These companies compete in similar markets and product categories.
Who does Citizens Financial Services, Inc. partner with?: Citizens Financial Services, Inc.'s notable partners include Freddie Mac, Fannie Mae.
What subsidiaries does Citizens Financial Services, Inc. have?: Citizens Financial Services, Inc.'s subsidiaries include First Citizens Community Bank, First Citizens Insurance Agency, Inc..
Where is Citizens Financial Services, Inc. headquartered?: Citizens Financial Services, Inc. is headquartered in United States of America and employs approximately 423 people. It has been publicly traded since 1997.