Citizens Financial Services, Inc. CZFS Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 34%+1.4pp | 32.6%+1.3pp | 31.3%+1.2pp | 30.1%+2.3pp | 27.8%+0.4pp | |
| Free cash flow margin | 37%+5.6pp | 31.4%+5.1pp | 26.3%-3.7pp | 30%+1.8pp | 28.2%-3.1pp | |
| Returns | ||||||
| Return on equity | 12.1%+0.6pp | 11.5%+0.6pp | 10.9%+0.3pp | 10.5%+0.9pp | 9.6%0.0pp | |
| Return on assets | 1.3%+0.1pp | 1.2%+0.1pp | 1.1%+0.1pp | 1.1%+0.1pp | 1%0.0pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0.6×-1.2× | 1.8×+0.9× | 0.9×-0.1× | 1×0.0× | 1×-1.0× | |
| Debt-to-assets | 0.1×-0.1× | 0.2×+0.1× | 0.1×0.0× | 0.1×0.0× | 0.1×-0.1× | |
| Per Share | ||||||
| Book value per share | $71.59+1.7% | $70.43+3.1% | $68.29+4.5% | $65.34+1.7% | $64.24+2.9% | |
| Valuation | ||||||
| Market capitalization | $341.1M+26.0% | $274.06M-5.4% | $289.78M+4.0% | $278.68M+0.9% | $276.29M-8.3% | |
| Enterprise value | $506.74M-5.4% | $842.29M+56.5% | $538.3M-0.8% | $542.41M+0.2% | $541.53M-35.4% | |
| Price / earnings | 8.7×-0.9× | 7.5×-1.0× | 8.5×-0.3× | 8.8×-0.9× | 9.7×-1.1× | |
| Price / sales | 3×+0.3× | 2.4×-0.2× | 2.7×0.0× | 2.7×0.0× | 2.7×-0.3× | |
| Price / book | 1×+0.1× | 0.8×-0.1× | 0.9×0.0× | 0.9×0.0× | 0.9×-0.1× | |
| EV / sales | 4.4×-0.9× | 7.5×+2.6× | 4.9×-0.2× | 5.2×-0.1× | 5.3×-2.9× | |
| Free cash flow yield | 12.5%+1.9pp | 12.9%+3.0pp | 9.9%-1.4pp | 11.3%+0.8pp | 10.4%-0.1pp | |
| Earnings yield | 11.5%+1.0pp | 13.3%+1.6pp | 11.8%+0.4pp | 11.3%+1.1pp | 10.3%+1.1pp | |
| Dividend yield | 2.8%-0.6pp | 3.5%+0.2pp | 3.3%-0.1pp | 3.4%0.0pp | 3.4%+0.3pp | |
| PEG ratio | 0.2×+0.1× | 0.2×-0.1× | 0.3×-0.2× | 0.6×+0.4× | 0.2×— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- 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.
