Screener
Citizens Financial Services, Inc. CZFS Ratios & Valuation
| Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 34.8%+4.7pp | 34%+6.2pp | 32.6%+5.2pp | 31.3%+4.2pp | 30.1%+3.2pp | |
| Returns | ||||||
| Return on equity | 12.3%+1.8pp | 12.1%+2.4pp | 11.5%+1.9pp | 10.9%+1.1pp | 10.5%+0.6pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 1.1×+0.1× | 0.6×-0.4× | 1.8×-0.1× | 0.9×+0.1× | 1×-0.2× | |
| Per Share | ||||||
| Book value per share | $73.47+12.4% | $71.59+11.4% | $70.43+12.8% | $68.29+9.7% | $65.34+9.5% | |
| Valuation | ||||||
| Market capitalization | $386.71M+43.5% | $293.96M+6.4% | $274.06M-9.1% | $289.78M+3.9% | $278.68M+31.9% | |
| Price / earnings | 9.4×+0.9× | 7.5×-2.2× | 7.5×-3.3× | 8.5×-1.7× | 8.8×+1.1× | |
| Price / sales | 3.3×+0.7× | 2.5×-0.2× | 2.4×-0.5× | 2.7×-0.1× | 2.7×+0.6× | |
| Price / book | 1.1×+0.2× | 0.9×0.0× | 0.8×-0.2× | 0.9×0.0× | 0.9×+0.2× | |
| Dividend yield | 2.5%-1.0pp | 3.3%-0.1pp | 3.5%+0.4pp | 3.3%-0.1pp | 3.4%-1.0pp |
FAQ
- Where do Citizens Financial Services, Inc.'s ratios come from?
- Every ratio is computed from Citizens Financial Services, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
