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Citizens Financial Services, Inc. CZFS PEG ratio

PEG ratio at other companies

M&T Bank logo
M&T BankMTB
1×-3.1×
Fulton Financial logo
Fulton FinancialFULT
0.4×-0.3×
Citizens & Northern logo
Citizens & NorthernCZNC
0.5×—
CTB
Community Trust BancorpCTBI
0.5×-0.4×
Civista Bancshares logo
Civista BancsharesCIVB
0.2×—
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
0.3×-0.1×

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.

market cap/net income=0.2×

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 PEG ratio?
Citizens Financial Services, Inc. (CZFS) reported PEG ratio of 0.2× in Q1 2026.
How has Citizens Financial Services, Inc.'s PEG ratio changed year-over-year?
Citizens Financial Services, Inc.'s PEG ratio increased by 16.4% year-over-year, from 0.2× to 0.2×.
What is the long-term trend for Citizens Financial Services, Inc.'s PEG ratio?
Over 3 years (2020 to 2025), Citizens Financial Services, Inc.'s PEG ratio has grown at a -7.7% compound annual growth rate (CAGR), from 0.3× to 0.2×.
What does PEG ratio mean?
The P/E ratio divided by the trailing-twelve-month net-income growth rate (in percentage points). Adjusts the earnings multiple for the pace of earnings growth.