Citizens Financial Services Inc. (CZFS)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 739421 · fiscal year ends in Dec
Closing price $85.88 on 30 Oct 2026; 52-week range $53.79 to $85.88.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $118.1M
- Revenue growth
- 12.5%
- Net income, last twelve months
- $41.1M
- Earnings per share
- $8.55
- Net margin
- 34.8%
- Free cash flow
- $36.9M
- Return on equity
- 11.6%
- Market value
- $413.1M
- Price to earnings
- 10.0x
- Dividend yield
- 2.3%
- Cash
- $39.4M
- Debt
- $394.0M
- Debt to equity
- 1.12
- Shares outstanding
- 4.8M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $112.3M | – | $36.6M | $7.62 | $35.2M | 10-K filed 12 Mar 2026 |
| FY2024 | 31 Dec 2024 | $101.9M | – | $27.8M | $5.85 | $31.9M | 10-K filed 6 Mar 2025 |
| FY2023 | 31 Dec 2023 | $91.9M | – | $17.8M | $4.06 | $23.9M | 10-K filed 7 Mar 2024 |
| FY2022 | 31 Dec 2022 | $81.9M | – | $29.1M | $7.32 | $31.6M | 10-K filed 9 Mar 2023 |
| FY2021 | 31 Dec 2021 | $78.4M | – | $29.1M | $7.38 | $37.6M | 10-K filed 10 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $29.7M | $10.2M | $2.12 |
| Q1 FY2026 | 31 Mar 2026 | $29.8M | $10.4M | $2.16 |
| Q4 FY2025 | 31 Dec 2025 | $29.6M | $10.5M | $2.18 |
| Q3 FY2025 | 30 Sep 2025 | $29.0M | $10.0M | $2.09 |
| Q2 FY2025 | 30 Jun 2025 | $27.3M | $8.5M | $1.76 |
| Q1 FY2025 | 31 Mar 2025 | $26.4M | $7.6M | $1.60 |
| Q4 FY2024 | 31 Dec 2024 | $26.2M | $8.0M | $1.68 |
| Q3 FY2024 | 30 Sep 2024 | $25.1M | $7.5M | $1.59 |
Company events
The newest 8-K filings of 211 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 30 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 30 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Jun 2026 | 8-K | Leadership change | 5.02 |
| 29 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 29 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Apr 2026 | 8-K | Leadership change, Shareholder vote, Other events | 5.02, 5.07, 8.01, 9.01 |
| 21 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 18 Feb 2026 | 8-K | Other events | 8.01, 9.01 |
| 29 Jan 2026 | 8-K | Investor update | 7.01, 9.01 |
| 29 Jan 2026 | 8-K | Results | 2.02, 9.01 |
| 15 Jan 2026 | 8-K | Leadership change | 5.02 |
| 17 Dec 2025 | 8-K | Other events | 8.01 |
Every filing
The newest filings with the SEC of 501 held.
| Filed | Form | Period |
|---|---|---|
| 30 Oct 2026 | 8-K | 30 Sep 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 30 Jul 2026 | 8-K | 30 Jul 2026 |
| 22 Jun 2026 | 8-K | 16 Jun 2026 |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 29 Apr 2026 | 8-K | 29 Apr 2026 |
| 29 Apr 2026 | 8-K | 31 Mar 2026 |
| 27 Apr 2026 | S-8 | – |
| 22 Apr 2026 | 8-K | 22 Apr 2026 |
| 21 Apr 2026 | 8-K | 21 Apr 2026 |
| 12 Mar 2026 | DEFA14A | – |
| 12 Mar 2026 | DEF 14A | 21 Apr 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 31 Aug 2026 | Guillaume Stephen J, SENIOR VICE PRESIDENT | Purchase | 24 | $76.32 | $1.8K | 5,094 | 1 Sep 2026 |
| 5 Aug 2026 | Painter John P Ii, Director | Purchase | 160 | $80.52 | $12.9K | 3,921 | 5 Aug 2026 |
| 9 Jul 2026 | Gephart Leeann, EXECUTIVE VICE PRESIDENT | Sale outside a trading plan | 15 | $71.52 | $1.1K | 946 | 9 Jul 2026 |
| 25 Jun 2026 | Gephart Leeann, EXECUTIVE VICE PRESIDENT | Sale outside a trading plan | 29 | $66.52 | $1.9K | 808 | 25 Jun 2026 |
| 29 May 2026 | Guillaume Stephen J, SENIOR VICE PRESIDENT | Purchase | 34 | $61.78 | $2.1K | 4,718 | 2 Jun 2026 |
| 28 May 2026 | Gephart Leeann, EXECUTIVE VICE PRESIDENT | Sale outside a trading plan | 24 | $64.78 | $1.6K | 837 | 28 May 2026 |
| 12 May 2026 | Painter John P Ii, Director | Purchase | 140 | $63.67 | $8.9K | 3,662 | 12 May 2026 |
| 6 Mar 2026 | Painter John P Ii, Director | Purchase | 675 | $61.00 | $41.2K | 3,412 | 6 Mar 2026 |
| 27 Feb 2026 | Guillaume Stephen J, SENIOR VICE PRESIDENT | Purchase | 13 | $57.06 | $742 | 4,656 | 2 Mar 2026 |
| 28 Nov 2025 | Guillaume Stephen J, SENIOR VICE PRESIDENT | Purchase | 16 | $53.10 | $850 | 4,570 | 1 Dec 2025 |
| 4 Nov 2025 | Black Randall E, CEO & PRESIDENT | Purchase | 22 | $54.25 | $1.2K | 44,035 | 5 Nov 2025 |
| 3 Nov 2025 | Black Randall E, CEO & PRESIDENT | Purchase | 278 | $54.00 | $15.0K | 43,813 | 4 Nov 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 27 Jul 2026 | BlackRock, Inc. | 13G amended | 7% | 338.5K |
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 69.9K | +2.01% | 2.15 |
| 30 Sep 2026 | 68.5K | -9.68% | 1.68 |
| 15 Sep 2026 | 75.9K | +1.76% | 2.19 |
| 31 Aug 2026 | 74.6K | +3.33% | 1.98 |
| 14 Aug 2026 | 72.2K | +20.15% | 1.54 |
| 31 Jul 2026 | 60.1K | +16.7% | 2.7 |
| 15 Jul 2026 | 51.5K | -4.94% | 4.3 |
| 30 Jun 2026 | 54.1K | +36.65% | 2.92 |
Funds that hold it
From each fund's latest Form 13F.
90 funds held it at 30 Jun 2026: 38 added and 22 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 354,551 | $25.7M | +23,257 |
| Vanguard Capital Management LLC | 200,789 | $14.5M | -912 |
| Geode Capital Management, LLC | 119,810 | $8.7M | +7,348 |
| Citizens & Northern Corp. | 117,063 | $8.5M | 0 |
| State Street Corp. | 92,835 | $6.7M | -1,095 |
| Hudock, Inc. | 78,092 | $5.7M | +37,305 |
| American Century Companies Inc. | 44,108 | $3.2M | -78 |
| Charles Schwab Investment Management Inc. | 38,696 | $2.8M | +1,080 |
| Northern Trust Corp. | 37,370 | $2.7M | +283 |
| Vanguard Fiduciary Trust Co. | 32,192 | $2.3M | +1,646 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $115.9B
- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B