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Price / book at other companies

M&T Bank logo
M&T BankMTB
1.1×+0.1×
Fulton Financial logo
Fulton FinancialFULT
0.0×
Citizens & Northern logo
Citizens & NorthernCZNC
1.2×+0.1×
CTB
Community Trust BancorpCTBI
1.3×+0.1×
Civista Bancshares logo
Civista BancsharesCIVB
0.9×+0.1×
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
0.9×0.0×

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/S+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.

Based on the most recent quarter.

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 price / book?
Citizens Financial Services, Inc. (CZFS) reported price / book of 0.9× in Q1 2026.
How has Citizens Financial Services, Inc.'s price / book changed year-over-year?
Citizens Financial Services, Inc.'s price / book decreased by 4.5% year-over-year, from 0.9× to 0.9×.
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.