Citizens Financial Services IncCZFS

NasdaqFinanceState Commercial Banks
Price (close)
$79.85
Market cap
$384.1M
P/E
9.4x
Revenue (TTM)
$9.9M
Net income
$41.1M
Dividend yield
2.53%
1-year total return
34.2%
Net margin
416.6%
Revenue growth
2.5%
Debt / equity
—

What Citizens Financial Services Inc does.

Citizens Financial Services, Inc. (the “Company”), a Pennsylvania corporation, was incorporated on April 30, 1984 to be the holding company for First Citizens Community Bank (the “Bank”), a

Pennsylvania-chartered bank and trust company. During 2020, CZFS Acquisition Company, LLC (“CZFS”) was formed as a wholly owned subsidiary of the Company, and subsequently the Company’s interest in the Bank was transferred to CZFS to facilitate the

merger with MidCoast Community Bancorp, Inc. (“MidCoast”) and its wholly owned subsidiary, MidCoast Community Bank (“MC Bank”), which was completed on April 17, 2020. During 2024, the Company terminated the corporate existence of CZFS and the

Revenue and profit, by fiscal year.

Fiscal year202020212022202320242025
Revenue$6.7M$7.7M$8.6M$9.0M$9.6M$9.9M
Net income$25.1M$29.1M$29.1M$17.8M$27.8M$36.6M
Free cash flow$10.9M$37.6M$31.6M$23.9M$31.9M$35.2M

More on CZFS.

Figures from Citizens Financial Services Inc's filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.