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Citizens Financial Services, Inc.
CZFS
NASDAQ
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As of
2025
• vs 2024
Annual
Quarterly
Core Metrics
Market Cap
$273.55M
-8.1%
P/E Ratio
7.48
-30.1%
P/S Ratio
1.58
-10.6%
ROE
10.82%
+16.6%
ROIC
5.99%
+37.7%
FCF Yield
11.99%
+12.1%
Debt/Equity
0.92
-7.8%
Current Ratio
1.72
+3917.0%
Interest Coverage
0.74x
+48.5%
Per Share
Revenue/Share
$36.11
+1.7%
Net Income/Share
$7.62
+30.2%
Operating CF/Share
$7.62
+9.0%
Free CF/Share
$6.84
+1.9%
Cash/Share
$99.85
+409.2%
Book Value/Share
$70.46
+11.7%
Tangible Book/Share
$52.13
+17.3%
Equity/Share
$70.46
+11.7%
Interest Debt/Share
$77.25
+0.4%
Valuation
Market Cap
$273.55M
-8.1%
Enterprise Value
$548.71M
-0.1%
P/E Ratio
7.48
-30.1%
P/S Ratio
1.58
-10.6%
P/OCF Ratio
7.49
-16.5%
P/FCF Ratio
8.34
-10.8%
P/B Ratio
0.81
-18.5%
P/TB Ratio
0.81
-18.5%
EV/Sales
3.17
-2.8%
EV/EBITDA
12.17
-21.4%
Profitability
Earnings Yield
13.37%
+43.1%
FCF Yield
11.99%
+12.1%
ROE
10.82%
+16.6%
ROIC
5.99%
+37.7%
Return on Tangible Assets
1.23%
+29.7%
Capital Allocation
CapEx/OCF
3.55%
-10.4%
CapEx/Revenue
0.75%
-4.0%
CapEx/Depreciation
0.00
SBC/Revenue
0.00%
Balance Sheet
Debt/Equity
0.92
-7.8%
Debt/Assets
0.10
+2.6%
Net Debt/EBITDA
6.10
-14.0%
Current Ratio
1.72
+3917.0%
Interest Coverage
0.74x
+48.5%
Income Quality
1.00
-16.3%
Efficiency
Days Sales Outstanding
23 days
+1.0%
Days Payables Outstanding
0 days
Days Inventory
0 days
Receivables Turnover
16.19x
-1.0%
Payables Turnover
0.00x
Inventory Turnover
0.00x
Special Valuations
Graham Number
$109.94
+20.6%
Graham Net-Net
$-466.79
+15.5%