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Citizens Financial Services, Inc. CZFS Free cash flow yield

Free cash flow yield at other companies

M&T Bank logo
M&T BankMTB
10.3%-1.6pp
Fulton Financial logo
Fulton FinancialFULT
11.1%+4.0pp
Citizens & Northern logo
Citizens & NorthernCZNC
9.4%+0.6pp
CTB
Community Trust BancorpCTBI
9.1%-2.7pp
Civista Bancshares logo
Civista BancsharesCIVB
15.5%-2.3pp
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
8.9%-3.3pp

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.

free cash flow/market cap=14.5%

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 yield?
Citizens Financial Services, Inc. (CZFS) reported free cash flow yield of 14.5% in Q1 2026.
How has Citizens Financial Services, Inc.'s free cash flow yield changed year-over-year?
Citizens Financial Services, Inc.'s free cash flow yield increased by 39.2% year-over-year, from 10.4% to 14.5%.
What is the long-term trend for Citizens Financial Services, Inc.'s free cash flow yield?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s free cash flow yield has grown at a 20.9% compound annual growth rate (CAGR), from 5% to 12.9%.
What does free cash flow yield mean?
Trailing-twelve-month free cash flow divided by market capitalization at the quarter end. The cash return the business generates relative to its market price.