CZFS/CITIZENS FINANCIAL SERVICES INC
Percentile comparisons against State Commercial Banks, not a rating. Dividend coverage is shown separately and is not folded into the overall score.
Overview
CITIZENS FINANCIAL SERVICES INC is a Financials company listed on Nasdaq. The SEC classifies it under State Commercial Banks, which is the peer group its grades below are measured against.
CITIZENS FINANCIAL SERVICES INC reported revenue of $9.88M in its most recent fiscal year, up 2.8% on the year before. It kept 370.1% of that as net income, and generated $35.24M of free cash flow.
5-year revenue & free cash flow
Dividend payout coverage
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | 2.8% | 5.9% | 35 / 55 |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | 4.8% | 6.1% | 30 / 53 |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | 8.2% | 5.5% | 14 / 39 |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | 31.6% | 15.3% | 34 / 144 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | 2.0% | 0.0% | 58 / 136 |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | 3.4% | 8.0% | 86 / 125 |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | 10.6% | 11.0% | 65 / 127 |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | 3.7% | -4.1% | 36 / 125 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | Not reported | — | — |
Operating margin Operating income as a share of revenue. | Not reported | — | — |
Net margin Net income as a share of revenue. | 370.1% | 123.1% | 9 / 49 |
Free cash flow margin Free cash flow as a share of revenue. | 356.6% | 146.5% | 10 / 43 |
Return on equity Net income divided by shareholder equity. | 10.8% | 9.6% | 63 / 158 |
Return on assets Net income divided by total assets. | 1.2% | 1.0% | 49 / 158 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | Not reported | — | — |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $9.88M | $9.61M | $8.97M | $8.59M | $7.74M | $6.66M | $6.93M | $6.51M | — | — |
| Net income | $36.57M | $27.82M | $17.81M | $29.06M | $29.12M | $25.10M | $19.49M | $18.03M | $13.03M | $12.64M |
| EPS (diluted) | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 | $6.46 | $5.41 | $5.04 | $3.67 | $3.57 |
| Operating cash flow | $36.53M | $33.18M | $26.54M | $33.24M | $38.69M | $11.82M | $21.77M | $21.49M | $15.74M | $16.19M |
| Capital expenditure | $1.30M | $1.31M | $2.62M | $1.63M | $1.10M | $942.0K | $483.0K | $500.0K | $208.0K | $587.0K |
| Free cash flow | $35.24M | $31.87M | $23.92M | $31.61M | $37.59M | $10.88M | $21.28M | $20.99M | $15.53M | $15.61M |
| Total assets | $3.06B | $3.03B | $2.98B | $2.33B | $2.14B | $1.89B | $1.47B | $1.43B | $1.36B | $1.22B |
| Shareholder equity | $338.05M | $299.73M | $279.67M | $200.15M | $212.49M | $194.26M | $154.77M | $139.23M | $129.01M | $123.27M |
| Cash | $34.29M | $42.20M | $52.82M | $26.21M | $172.83M | $68.71M | $18.52M | $16.80M | $18.52M | $17.75M |
| Dividends per share | $1.98 | $1.93 | $1.90 | $1.86 | $1.83 | $1.88 | $1.74 | $1.71 | $1.64 | $1.57 |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Dividend coverage
Measures how much of earnings and free cash flow the dividend consumes, against industry peers. A low grade means the dividend is less covered than peers' — not that a cut is expected. Long-established payers often score low here by design.
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Dividend payout ratio Dividends paid as a share of net income. | 26.1% | 30.9% | 43 / 135 |
Dividend / free cash flow Dividends paid as a share of free cash flow. The stricter test. | 27.1% | 27.2% | 61 / 122 |
Dividend growth (5y) Annualized growth in dividends per share over five years. | 1.0% | 6.0% | 99 / 115 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Dividend record
What the dividend has actually done, not a prediction of what it will do. Changes are checked against total dollars paid so that stock splits are not mistaken for cuts.
Dividend history is limited to what companies have filed in machine-readable form, which generally begins around 2009. A company may have paid or raised its dividend for far longer than shown here.
One or more years could not be compared — usually a stock split changing the per-share basis — so the streak is measured only from the point the figures become comparable. It is a floor, not a maximum.
CZFS grew its dividend 1.0% a year over five years.
Model DRIP for CZFSInsider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. 2 of the last 16 reported transactions were open-market purchases; the rest are mostly sales and compensation.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Sep 22, 2026 | LANDY R JOSEPH Director | Gift | 40 | $0.00 | $0.00 |
| Sep 15, 2026 | BOWER JOSEPH B JR Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | OSBORNE TERRY B Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | GRAHAM ROGER C JR Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | LANDY R JOSEPH Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | JONES MICKEY L Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | DePaola Rinaldo A Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | Chappell Robert W Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | Freeman Thomas E. Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | Behm John D Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | KUNES CHRISTOPHER W Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | Hilfiger Janie M Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 15, 2026 | Painter John P II Director | Grant or award | 70 | $0.00 | $0.00 |
| Sep 8, 2026 | LANDY R JOSEPH Director | Gift | 20 | $0.00 | $0.00 |
| Aug 31, 2026 | Guillaume Stephen J SENIOR VICE PRESIDENT | Open-market purchase | 24 | $76.32 | $1.8K |
| Aug 5, 2026 | Painter John P II Director | Open-market purchase | 160 | $80.52 | $12.9K |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Source
Figures come from CITIZENS FINANCIAL SERVICES INC’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 10-K filed Mar 12, 2026. View filings on EDGAR.