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Citizens Financial Services, Inc. CZFS Earnings yield

Earnings yield at other companies

M&T Bank logo
M&T BankMTB
9.5%+0.6pp
Fulton Financial logo
Fulton FinancialFULT
10.7%+1.0pp
Citizens & Northern logo
Citizens & NorthernCZNC
4.4%-4.3pp
CTB
Community Trust BancorpCTBI
9.4%-0.1pp
Civista Bancshares logo
Civista BancsharesCIVB
10.8%-0.9pp
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
10.2%+1.8pp

Other financials

Income statement

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Revenue$29.8M+12.8%
Net income$10.4M+36.2%
EPS (diluted)$2.16+35.8%

Balance sheet

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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

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Operating cash flow$18.0M+64.6%
CapEx$125.0K-78.6%
Free cash flow$17.9M+72.7%

Valuation

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Market cap$341.1M+26.0%
Enterprise value$506.74M-5.4%
P/E8.7×-0.9×
P/S3×+0.3×

Profitability

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Net margin34%+6.2pp
FCF margin37%+8.8pp

Returns & leverage

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Return on equity12.1%+2.4pp
Debt / equity0.6×-0.4×

Where this comes from

Calculated from Citizens Financial Services, Inc.’s reported figures.

net income/market cap=13.4%

Based on trailing twelve months.

The official record: Citizens Financial Services, Inc.’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens Financial Services, Inc.'s earnings yield?
Citizens Financial Services, Inc. (CZFS) reported earnings yield of 13.4% in Q1 2026.
How has Citizens Financial Services, Inc.'s earnings yield changed year-over-year?
Citizens Financial Services, Inc.'s earnings yield increased by 30.1% year-over-year, from 10.3% to 13.4%.
What is the long-term trend for Citizens Financial Services, Inc.'s earnings yield?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s earnings yield has grown at a 3.1% compound annual growth rate (CAGR), from 11.5% to 13.3%.
What does earnings yield mean?
Trailing-twelve-month net income divided by market capitalization at the quarter end — the inverse of the P/E ratio, expressed as a percentage.