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
Returns
Return on equity	11.5%+1.9pp	9.6%+2.2pp	7.4%-6.7pp	14.1%-0.2pp
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×
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%
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×
Dividend yield	2.8%-0.6pp	3.1%+0.3pp	2.8%+0.3pp	2.5%-0.6pp

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about Citizens Financial Services, Inc..

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

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.