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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	32.6%+5.2pp	27.3%+7.9pp	19.4%-16.1pp	35.5%-1.6pp
Free cash flow margin	31.4%+0.1pp	31.3%-11.3pp	42.6%+4.0pp	38.6%-9.3pp
Returns
Return on equity	11.5%+1.9pp	9.6%+2.2pp	7.4%-6.7pp	14.1%-0.2pp
Return on assets	1.2%+0.3pp	0.9%+0.3pp	0.7%-0.6pp	1.3%-0.1pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	1.8×-0.1×	1.9×-0.2×	2.1×-0.4×	2.5×+1.9×
Debt-to-assets	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×+0.2×
Per Share
Book value per share	$70.43+12.8%	$62.42-0.1%	$62.48+26.6%	$49.35-6.6%
Valuation
Market capitalization	$341.1M+26.0%	$301.34M-0.9%	$304.19M0.0%	$304.27M+28.6%
Enterprise value	$506.74M-5.4%	$837.9M-0.2%	$839.91M+9.0%	$770.24M+310%
Price / earnings	8.7×-0.9×	10.8×-6.2×	17.1×+6.6×	10.5×+2.3×
Price / sales	3×+0.3×	3×-0.4×	3.3×-0.4×	3.7×+0.7×
Price / book	1×+0.1×	1×-0.1×	1.1×-0.4×	1.5×+0.4×
EV / sales	4.4×-0.9×	8.2×-0.9×	9.1×-0.3×	9.4×+7.0×
Free cash flow yield	12.5%+1.9pp	10.6%-2.3pp	12.9%+2.5pp	10.4%-5.5pp
Earnings yield	11.5%+1.0pp	9.2%+3.4pp	5.9%-3.7pp	9.6%-2.8pp
Dividend yield	2.8%-0.6pp	3.1%+0.3pp	2.8%+0.3pp	2.5%-0.6pp
PEG ratio	0.2×+0.1×	0.2×—	——	——

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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.