# Citizens Financial Services, Inc. (CZFS)

> Source: Nexqual · https://nexqual.com/CZFS · data as of 2026-10-29 20:00 UTC · cite as "Nexqual, Citizens Financial Services, Inc. (CZFS), nexqual.com/CZFS" · informational, not investment advice.

**Price:** USD 84.9 (+1.26% on the day) · last close of Oct 29, 2026; US market closed, not a live price. Prev close 83.84 · day 84–85.4 · 52w 52.35–86.77 · market cap $408M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $118M, net income $41.1M (34.8% margin) (SEC filings).
- Valuation: P/E 9.9x (avg 11.5x at the last 3 fiscal year-ends).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (1 analysts), mean target USD 89 (range 89–89).
- Total return with dividends: 1Y +59.3% vs S&P 500 +14.8%; 5Y +66.1% vs S&P 500 +79.1%.
- Next earnings: 2026-10-30 (date not yet confirmed by the company), EPS estimate USD 2.2, revenue estimate $0K. All companies reporting that day: https://nexqual.com/earnings/2026-10-30
- Dividend: USD 2.04 a year (yield 2.44%), paid quarterly; latest ex-dividend date 2026-09-11; annual dividends grew 2.1% a year 2022–2025.
- Short interest: 1.54% of float (as of 2026-10-15), 1.9 days to cover.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $78.4M | $81.9M | $91.9M | $102M | $112M | $118M |
| Net income | $29.1M | $29.1M | $17.8M | $27.8M | $36.6M | $41.1M |
| EPS (diluted) | $7.17 | $7.17 | $3.98 | $5.79 | $7.62 | — |
| Free cash flow | $37.6M | $31.6M | $23.9M | $31.9M | $35.2M | $36.9M |
| Net margin | 37.1% | 35.5% | 19.4% | 27.3% | 32.6% | 34.8% |
| Revenue growth | +6.5% | +4.4% | +12.2% | +10.9% | +10.3% | — |
| Cash + short-term investments | $173M | $26.2M | $52.8M | $42.2M | $34.3M | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 9.9x · P/S 3.5x · P/FCF 11.1x · P/B 1.2x · FCF yield 9.04% · Earnings yield 10.05% · Dividend yield (paid, TTM) 2.37% · Buyback yield (TTM) 0.09%
P/E at fiscal year-ends: Dec 2025 7.5x, Dec 2024 10.9x, Dec 2023 16.1x.

## Analysts
Consensus Buy (mean 2.00 on a 1–5 scale), 1 analysts; mean target USD 89 (low 89, high 89).

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-30) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +59.3% | +66.1% |
| S&P 500 (SPY) | +14.8% | +79.1% |
| Per year | +59.7% | +10.7% |
| Volatility (annualized) | 32.9% | 38.2% |
| Max drawdown | -13.6% (Feb 2026→Mar 2026) | -54.9% (Jun 2023→Apr 2024) |

## Dividends
Annual dividend rate USD 2.04 per share, yield 2.44% at the current price. Paid over the last 12 months: USD 2.02 in 4 payments (quarterly).
Most recent ex-dividend date: Sep 11, 2026; payment date: Sep 25, 2026. To receive a dividend, shares must be owned before the ex-dividend date.
Latest change: raised 2.0% to USD 0.51 per payment from USD 0.50, starting with the Jun 12, 2026 ex-dividend date.
Payout ratio 24% of earnings · 5-year average yield 3.04% · annual dividends grew 2.1% a year from 2022 to 2025.
| Ex-dividend date | Amount per share |
|---|---|
| 2026-09-11 | USD 0.51 |
| 2026-06-12 | USD 0.51 |
| 2026-03-13 | USD 0.50 |
| 2025-12-12 | USD 0.50 |
| 2025-09-12 | USD 0.50 |
| 2025-06-13 | USD 0.49 |
| 2025-03-14 | USD 0.495 |
| 2024-12-13 | USD 0.49 |
Total by calendar year: 2022 USD 1.8676 · 2023 USD 1.9258 · 2024 USD 1.9501 · 2025 USD 1.985.

## Short interest
69,907 shares sold short, 1.54% of the float, as of Oct 15, 2026 (exchange short-interest report, published about twice a month). Prior report (Sep 15, 2026): 75,875 shares (-7.9%). Days to cover: 1.9 (short shares ÷ average daily volume).

## Peers (Banks - Regional)
FITB (Fifth Third Bancorp) USD 54.44 +1.81% · NU (Nu Holdings Ltd.) USD 12.05 +0.67% · TFC (Truist Financial Corporation) USD 49.32 +1.86% · DB (Deutsche Bank AG) USD 34.86 +4.03% · NWG (NatWest Group plc) USD 17 -1.33% · LYG (Lloyds Banking Group Plc) USD 5.25 -4.55%

## More
Full page: https://nexqual.com/CZFS · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Company outlook (8-K filed 2026-07-30)

- "The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation."

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-09-30) | $2.20 | $2.02 | +8.9% | $0 | 1 |
| Next quarter (ends 2026-12-31) | $2.24 | $2.07 | +8.2% | $0 | 1 |
| Current fiscal year (ends 2026-12-31) | $8.72 | $8.23 | +6.0% | $0 | 1 |
| Next fiscal year (ends 2027-12-31) | $8.81 | $8.31 | +6.0% | $0 | 1 |

## Earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $2.12 | $1.98 | Beat +7.1% | — |
| — | Quarter ended Mar 31, 2026 | $2.16 | $1.98 | Beat +9.1% | — |
| — | Quarter ended Dec 31, 2025 | $2.18 | $2.07 | Beat +5.3% | — |
| — | Quarter ended Sep 30, 2025 | $2.09 | $1.76 | Beat +18.8% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).