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Citizens Financial Services, Inc. CZFS Enterprise value

Enterprise value at other companies

M&T Bank logo
M&T BankMTB
$41.18B+104%
Fulton Financial logo
Fulton FinancialFULT
$4.54B+1.6%
Citizens & Northern logo
Citizens & NorthernCZNC
$358.91M+82.2%
CTB
Community Trust BancorpCTBI
$759.45M+29.3%
Civista Bancshares logo
Civista BancsharesCIVB
$474.78M+55.7%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$247.92M+6.2%

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%
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.

$294.0Mmarket cap+$198.7Mtotal debt−$33.1Mcash and equivalents=$459.59M

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 enterprise value?
Citizens Financial Services, Inc. (CZFS) reported enterprise value of $459.59M in Q1 2026.
How has Citizens Financial Services, Inc.'s enterprise value changed year-over-year?
Citizens Financial Services, Inc.'s enterprise value decreased by 15.1% year-over-year, from $541.53M to $459.59M.
What is the long-term trend for Citizens Financial Services, Inc.'s enterprise value?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s enterprise value has grown at a 22.7% compound annual growth rate (CAGR), from $302.95M to $842.29M.
What does enterprise value mean?
Market capitalization plus total debt minus cash, at the quarter end. The cost to acquire the whole business — what an buyer pays for equity and debt, net of the cash they'd inherit.