Skip to content
Screener

Price / book at other companies

M&T Bank logo
M&T BankMTB
1.2×+0.2×
Fulton Financial logo
Fulton FinancialFULT
1.2×+0.2×
Citizens & Northern logo
Citizens & NorthernCZNC
1.2×+0.2×
CTB
Community Trust BancorpCTBI
1.5×+0.3×
SB Financial Group logo
SB Financial GroupSBFG
1.1×+0.2×
Civista Bancshares logo
Civista BancsharesCIVB
+0.2×

Other financials

Income statement

See full
Revenue$29.7M+8.8%
Net income$10.2M+20.4%
EPS (diluted)$2.12+20.5%

Balance sheet

See full
Cash & equivalents$39.4M-20.3%
Total debt$394.0M+25.8%
Total equity$352.8M+12.5%
Total assets$3.2B+7.6%

Cash flow

See full
Operating cash flow$18.0M+64.6%
CapEx$287.0K-42.0%
Free cash flow$17.9M+72.7%

Valuation

See full
Market cap$386.71M+43.5%
Enterprise value$741.31M+39.0%
P/E9.4×+0.9×
P/S3.3×+0.7×

Profitability

See full
Net margin34.8%+4.7pp
FCF margin37%+8.8pp

Returns & leverage

See full
Return on equity12.3%+1.8pp
Debt / equity1.1×+0.1×

Where this comes from

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

Based on the most recent quarter.

The source filing: Citizens Financial Services, Inc.’s 10-Q, filed August 6, 2026. Open the filing →

Filed
Aug 6, 2026, 6:02 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031479

FAQ

What is Citizens Financial Services, Inc.'s price / book?
Citizens Financial Services, Inc. (CZFS) reported price / book of 1× in Q2 2026.
How has Citizens Financial Services, Inc.'s price / book changed year-over-year?
Citizens Financial Services, Inc.'s price / book increased by 11.0% year-over-year, from 0.9× to 1×.
What is the long-term trend for Citizens Financial Services, Inc.'s price / book?
Over 5 years (2020 to 2025), Citizens Financial Services, Inc.'s price / book has grown at a -6.4% compound annual growth rate (CAGR), from 1.1× to 0.8×.
What does price / book mean?
Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.

Ask your AI about Citizens Financial Services, Inc.'s price / book.

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

Connect your AI
Harbor at dusk
Claude