CZFS
Citizens Financial Services Inc. Common Stock
NASDAQ: CZFS · FINANCIAL SERVICES · BANKS - REGIONAL
$63.16
-2.76% today
Updated 2026-04-30
Market cap
$317.08M
P/E ratio
8.66
P/S ratio
2.88x
EPS (TTM)
$7.62
Dividend yield
3.04%
52W range
$49 – $70
Volume
0.0M
Citizens Financial Services Inc. Common Stock (CZFS) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $37.57M | $41.11M | $38.39M | $44.46M | $45.30M | $45.21M | $46.05M | $43.66M | $42.65M | $43.08M | $50.90M | $56.75M | $64.49M | $70.37M | $81.72M | $85.52M | $93.09M | $138.72M | $168.62M | $173.24M |
| Revenue growth (YoY) | — | +9.4% | -6.6% | +15.8% | +1.9% | -0.2% | +1.9% | -5.2% | -2.3% | +1.0% | +18.2% | +11.5% | +13.6% | +9.1% | +16.1% | +4.7% | +8.9% | +49.0% | +21.5% | +2.7% |
| Cost of revenue | $15.28M | $17.29M | $14.39M | $14.16M | $12.60M | $10.36M | $8.08M | $6.72M | $5.54M | $5.30M | $6.56M | $8.38M | $11.50M | $13.71M | $10.51M | $8.65M | $12.91M | $52.39M | $70.45M | $63.54M |
| Gross profit | $22.28M | $23.82M | $24.01M | $30.31M | $32.70M | $34.85M | $37.97M | $36.94M | $37.11M | $37.78M | $44.34M | $48.37M | $52.99M | $56.65M | $71.21M | $76.87M | $80.19M | $86.34M | $98.17M | $109.70M |
| Gross margin | 59.3% | 57.9% | 62.5% | 68.2% | 72.2% | 77.1% | 82.5% | 84.6% | 87.0% | 87.7% | 87.1% | 85.2% | 82.2% | 80.5% | 87.1% | 89.9% | 86.1% | 62.2% | 58.2% | 63.3% |
| R&D | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $8.03M | $8.39M | $8.72M | $9.47M | $10.80M | $10.59M | $11.49M | $11.84M | $11.97M | $12.97M | $16.98M | $18.04M | $19.51M | $20.53M | $24.67M | $26.42M | $28.51M | $36.47M | $41.34M | $45.91M |
| Operating income | $7.26M | $8.51M | $8.13M | $12.55M | $14.66M | $16.44M | $18.55M | $17.13M | $16.94M | $14.35M | $15.67M | $19.06M | $21.44M | $23.31M | $30.37M | $35.32M | $35.49M | $21.52M | $33.68M | $45.09M |
| Operating margin | 19.3% | 20.7% | 21.2% | 28.2% | 32.4% | 36.4% | 40.3% | 39.2% | 39.7% | 33.3% | 30.8% | 33.6% | 33.2% | 33.1% | 37.2% | 41.3% | 38.1% | 15.5% | 20.0% | 26.0% |
| EBITDA | $8.53M | $9.37M | $8.77M | $13.20M | $15.12M | $16.91M | $18.97M | $17.55M | $17.42M | $14.81M | $15.99M | $19.26M | $21.82M | $24.35M | $31.50M | $36.43M | $36.53M | $23.04M | $35.49M | $45.09M |
| EBITDA margin | 22.7% | 22.8% | 22.8% | 29.7% | 33.4% | 37.4% | 41.2% | 40.2% | 40.8% | 34.4% | 31.4% | 33.9% | 33.8% | 34.6% | 38.6% | 42.6% | 39.2% | 16.6% | 21.0% | 26.0% |
| EBIT | $7.26M | $8.51M | $8.13M | $12.55M | $14.66M | $16.44M | $18.55M | $17.13M | $16.94M | $14.35M | $15.67M | $19.06M | $21.44M | $23.31M | $30.37M | $35.32M | $35.49M | $21.52M | $33.68M | — |
| Interest expense | $14.95M | $16.92M | $14.06M | $13.23M | $11.34M | $9.68M | $7.66M | $6.32M | $4.95M | $4.82M | $5.04M | $5.84M | $9.57M | $12.04M | $8.11M | $7.11M | $11.22M | $46.86M | $67.86M | $61.17M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $5.80M | $6.74M | $6.91M | $9.86M | $11.50M | $12.83M | $14.21M | $13.38M | $13.38M | $11.63M | $12.64M | $13.03M | $18.03M | $19.49M | $25.10M | $29.12M | $29.06M | $17.81M | $27.82M | $36.57M |
| Net income growth (YoY) | — | +16.1% | +2.5% | +42.9% | +16.6% | +11.6% | +10.8% | -5.9% | +0.1% | -13.1% | +8.7% | +3.1% | +38.5% | +8.1% | +28.8% | +16.0% | -0.2% | -38.7% | +56.2% | +31.5% |
| Profit margin | 15.4% | 16.4% | 18.0% | 22.2% | 25.4% | 28.4% | 30.9% | 30.6% | 31.4% | 27.0% | 24.8% | 23.0% | 28.0% | 27.7% | 30.7% | 34.0% | 31.2% | 12.8% | 16.5% | 21.1% |