Connect your AI

Citizens Financial Services, Inc. CZFS 2029

2029 at other companies

M&T BankMTB

——

Other financials

Income statement

Revenue$29.8M+12.8%

Net income$10.4M+36.2%

EPS (diluted)$2.16+35.8%

Balance sheet

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

Operating cash flow$18.0M+64.6%

CapEx$125.0K-78.6%

Free cash flow$17.9M+72.7%

Valuation

Market cap$341.1M+26.0%

Enterprise value$506.74M-5.4%

P/E8.7×-0.9×

P/S3×+0.3×

Profitability

Net margin34%+6.2pp

FCF margin37%+8.8pp

Returns & leverage

Return on equity12.1%+2.4pp

Debt / equity0.6×-0.4×

Where this comes from

Reported directly by Citizens Financial Services, Inc. in its filing.

Tagged under the XBRL concept us-gaap:LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree.

The official record: Citizens Financial Services, Inc.’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens Financial Services, Inc.'s 2029.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Harbor at dusk

Questions, answered.

What is Citizens Financial Services, Inc.'s 2029?: Citizens Financial Services, Inc. (CZFS) reported 2029 of $0 in Q4 2025.