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.
Profit margin
33.30%
Operating margin
46.90%
ROE
11.50%
ROA
1.20%
Debt/equity
—
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $37.57M | $5.80M | 59.32% | 19.32% | 15.44% |
| 2007 | $41.11M | $6.74M | 57.95% | 20.70% | 16.39% |
| 2008 | $38.39M | $6.91M | 62.53% | 21.17% | 17.98% |
| 2009 | $44.46M | $9.86M | 68.16% | 28.22% | 22.19% |
| 2010 | $45.30M | $11.50M | 72.19% | 32.36% | 25.39% |
| 2011 | $45.21M | $12.83M | 77.09% | 36.37% | 28.38% |
| 2012 | $46.05M | $14.21M | 82.46% | 40.27% | 30.87% |
| 2013 | $43.66M | $13.38M | 84.61% | 39.23% | 30.64% |
| 2014 | $42.65M | $13.38M | 87.01% | 39.73% | 31.39% |
| 2015 | $43.08M | $11.63M | 87.70% | 33.31% | 26.99% |
| 2016 | $50.90M | $12.64M | 87.11% | 30.79% | 24.83% |
| 2017 | $56.75M | $13.03M | 85.23% | 33.58% | 22.95% |
| 2018 | $64.49M | $18.03M | 82.17% | 33.24% | 27.96% |
| 2019 | $70.37M | $19.49M | 80.51% | 33.13% | 27.70% |
| 2020 | $81.72M | $25.10M | 87.14% | 37.16% | 30.72% |
| 2021 | $85.52M | $29.12M | 89.88% | 41.30% | 34.05% |
| 2022 | $93.09M | $29.06M | 86.14% | 38.13% | 31.22% |
| 2023 | $138.72M | $17.81M | 62.24% | 15.51% | 12.84% |
| 2024 | $168.62M | $27.82M | 58.22% | 19.98% | 16.50% |
| 2025 | $173.24M | $36.57M | 63.32% | 26.03% | 21.11% |