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Stocks · Financials · State Commercial Banks

CITIZENS FINANCIAL SERVICES INC

CZFS Clue Score59
United States Fiscal year ends December CIK 0000739421
$78.05 -1.77% Close, 9 Oct 2026
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Price $78.05 +27.43% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income12.6EPS, diluted3.57Fiscal year 2017Net income13.0 +3.1%EPS, diluted3.67 +2.8%Fiscal year 2018Revenue6.5Net income18.0 +38.5%EPS, diluted5.04 +37.3%Fiscal year 2019Revenue6.9 +6.4%Net income19.5 +8.1%EPS, diluted5.41 +7.3%Fiscal year 2020Revenue6.7 −3.8%Net income25.1 +28.8%EPS, diluted6.46 +19.4%Fiscal year 2021Revenue7.7 +16.2%Net income29.1 +16.0%EPS, diluted7.24 +12.1%Fiscal year 2022Revenue8.6 +11.0%Net income29.1 −0.2%EPS, diluted7.17 −1.0%Fiscal year 2023Revenue9.0 +4.5%Net income17.8 −38.7%EPS, diluted3.98 −44.5%Fiscal year 2024Revenue9.6 +7.1%Net income27.8 +56.2%EPS, diluted5.79 +45.5%Fiscal year 2025Revenue9.9 +2.8%Net income36.6 +31.5%EPS, diluted7.62 +31.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 6.5 6.9 6.7 7.7 8.6 9.0 9.6 9.9
Growth +6.4% −3.8% +16.2% +11.0% +4.5% +7.1% +2.8%
Net income 12.6 13.0 18.0 19.5 25.1 29.1 29.1 17.8 27.8 36.6
Growth +3.1% +38.5% +8.1% +28.8% +16.0% −0.2% −38.7% +56.2% +31.5%
EPS, diluted 3.57 3.67 5.04 5.41 6.46 7.24 7.17 3.98 5.79 7.62
Growth +2.8% +37.3% +7.3% +19.4% +12.1% −1.0% −44.5% +45.5% +31.6%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin276.9%Free cash flow margin322.3%Fiscal year 2019Net margin281.4%Free cash flow margin307.3%Fiscal year 2020Net margin376.9%Free cash flow margin163.4%Fiscal year 2021Net margin376.3%Free cash flow margin485.8%Fiscal year 2022Net margin338.4%Free cash flow margin368.1%Fiscal year 2023Net margin198.5%Free cash flow margin266.6%Fiscal year 2024Net margin289.5%Free cash flow margin331.6%Fiscal year 2025Net margin370.1%Free cash flow margin356.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 276.9% 281.4% 376.9% 376.3% 338.4% 198.5% 289.5% 370.1%
Free cash flow margin n/a n/a 322.3% 307.3% 163.4% 485.8% 368.1% 266.6% 331.6% 356.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow16.2Capital expenditure−0.6Free cash flow15.6Buybacks−3.2Dividends paid−5.1Fiscal year 2017Operating cash flow15.7Capital expenditure−0.2Free cash flow15.5 −0.5%Buybacks−1.0Dividends paid−5.2Fiscal year 2018Operating cash flow21.5Capital expenditure−0.5Free cash flow21.0 +35.1%Buybacks−1.2Dividends paid−6.1Fiscal year 2019Operating cash flow21.8Capital expenditure−0.5Free cash flow21.3 +1.4%Buybacks−1.3Dividends paid−6.3Fiscal year 2020Operating cash flow11.8Capital expenditure−0.9Free cash flow10.9 −48.9%Buybacks−2.1Dividends paid−6.5Fiscal year 2021Operating cash flow38.7Capital expenditure−1.1Free cash flow37.6 +245.5%Buybacks−1.4Dividends paid−7.4Fiscal year 2022Operating cash flow33.2Capital expenditure−1.6Free cash flow31.6 −15.9%Buybacks−1.3Dividends paid−7.6Fiscal year 2023Operating cash flow26.5Capital expenditure−2.6Free cash flow23.9 −24.3%Buybacks−0.3Dividends paid−8.5Fiscal year 2024Operating cash flow33.2Capital expenditure−1.3Free cash flow31.9 +33.2%Buybacks−0.2Dividends paid−9.3Fiscal year 2025Operating cash flow36.5Capital expenditure−1.3Free cash flow35.2 +10.6%Buybacks−0.4Dividends paid−9.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 16.2 15.7 21.5 21.8 11.8 38.7 33.2 26.5 33.2 36.5
Capital expenditure −0.6 −0.2 −0.5 −0.5 −0.9 −1.1 −1.6 −2.6 −1.3 −1.3
Free cash flow 15.6 15.5 21.0 21.3 10.9 37.6 31.6 23.9 31.9 35.2
Growth −0.5% +35.1% +1.4% −48.9% +245.5% −15.9% −24.3% +33.2% +10.6%
Buybacks −3.2 −1.0 −1.2 −1.3 −2.1 −1.4 −1.3 −0.3 −0.2 −0.4
Dividends paid −5.1 −5.2 −6.1 −6.3 −6.5 −7.4 −7.6 −8.5 −9.3 −9.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash17.8Shareholders’ equity123.3Fiscal year 2017Cash18.5Shareholders’ equity129.0Fiscal year 2018Cash16.8Shareholders’ equity139.2Fiscal year 2019Cash18.5Shareholders’ equity154.8Fiscal year 2020Cash68.7Shareholders’ equity194.3Fiscal year 2021Cash172.8Shareholders’ equity212.5Fiscal year 2022Cash26.2Shareholders’ equity200.1Fiscal year 2023Cash52.8Shareholders’ equity279.7Fiscal year 2024Cash42.2Shareholders’ equity299.7Fiscal year 2025Cash34.3Shareholders’ equity338.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 17.8 18.5 16.8 18.5 68.7 172.8 26.2 52.8 42.2 34.3
Shareholders’ equity 123.3 129.0 139.2 154.8 194.3 212.5 200.1 279.7 299.7 338.1

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
n/a n/a 6.5 6.9 6.7 7.7 8.6 9.0 9.6 9.9
Growth +6.4% −3.8% +16.2% +11.0% +4.5% +7.1% +2.8%
15.7 19.1 21.4 23.3 30.4 35.3 35.5 21.6 33.9 45.2
3.0 6.0 3.4 3.8 5.3 6.2 6.4 3.8 6.1 8.7
12.6 13.0 18.0 19.5 25.1 29.1 29.1 17.8 27.8 36.6
Growth +3.1% +38.5% +8.1% +28.8% +16.0% −0.2% −38.7% +56.2% +31.5%
Per share
3.57 3.67 5.04 5.42 6.46 7.24 7.17 3.98 5.80 7.62
3.57 3.67 5.04 5.41 6.46 7.24 7.17 3.98 5.79 7.62
Growth +2.8% +37.3% +7.3% +19.4% +12.1% −1.0% −44.5% +45.5% +31.6%
3.5 3.6 3.6 3.6 3.9 4.0 4.1 4.5 4.8 4.8
3.5 3.6 3.6 3.6 3.9 4.0 4.1 4.5 4.8 4.8
Growth +0.2% +0.8% +0.6% +7.9% +3.6% +0.8% +10.4% +7.3% −0.0%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 8.2% a year over five years, and earnings per share grew 3.4% a year.
  • The diluted share count rose 23.6% in five years, which is dilution.
  • Profitable in every one of the 10 years on file.