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Citizens Financial Services, Inc. CZFS Free cash flow margin

Free cash flow margin at other companies

M&T Bank logo
M&T BankMTB
32.2%-5.2pp
Fulton Financial logo
Fulton FinancialFULT
30.6%+12.5pp
Citizens & Northern logo
Citizens & NorthernCZNC
28.3%+3.5pp
CTB
Community Trust BancorpCTBI
34.7%-7.4pp
Civista Bancshares logo
Civista BancsharesCIVB
29.6%+3.0pp
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
24.9%-13.0pp

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

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.

free cash flow/total revenue=37%

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 free cash flow margin?
Citizens Financial Services, Inc. (CZFS) reported free cash flow margin of 37% in Q1 2026.
How has Citizens Financial Services, Inc.'s free cash flow margin changed year-over-year?
Citizens Financial Services, Inc.'s free cash flow margin increased by 31.0% year-over-year, from 28.2% to 37%.
What is the long-term trend for Citizens Financial Services, Inc.'s free cash flow margin?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s free cash flow margin has grown at a 16.2% compound annual growth rate (CAGR), from 14.8% to 31.4%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.