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Employees: 405
Size Citizens Financial Services (CZFS) is a United States Financials company (Regional Banks) with a market value of $408M, the 2844th largest of 3,117 United States companies the cockpit tracks. Shares closed at $84.87 on 6 Nov 2026.
Performance Over six months the shares gained 33.0%, against +15.7% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd highest of 19 in its peer set.
Growth Revenue grew 4.0% over the last twelve months (peer median +4.4%); the operating margin is 43.8% (peer median 40.6%).
Valuation It trades at 1.16× book value against a peer median of 1.25× (9th cheapest of 21).
Price implies The share price implies a return on equity of about 7.6%; Citizens Financial Services delivers 12.7%, so the price asks less than the business earns today.
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $179M | $173M | $170M | $139M | $93.1M |
| Revenue growth | — | +2% | +22% | +49% | — |
| Net income | $43.0M | $36.6M | $27.8M | $17.8M | $29.1M |
| Free cash flow | n/a | $32.8M | $29.9M | $20.5M | $27.6M |
| Capital expenditure | n/a | $1.30M | $1.31M | $2.62M | $1.63M |
| Total debt | $512M | $320M | $308M | $333M | $262M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CZFS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +6.8% | +4.1% | 5th highest of 20 |
| 6-month return | +33.0% | +15.7% | 3rd highest of 19 |
| Return on equity | 12.7% | 10.9% | 7th highest of 21 |
| Price / book | 1.16× | 1.25× | 9th cheapest of 21 |
| Trailing P/E | 9.5× | 11.3× | 3rd cheapest of 19 |
| ROE the price implies | 7.6% | 8.4% | 8th least demanding of 20 |
| ROE delivered | 12.7% | 10.9% | 7th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Citizens Financial Services CZFS | United States | $408M | +33% | +4% | 13% | 1.16× | 7.6% | 12.7% |
| Pareto Bank PARB.OL | Norway | $410M | -25% | -11% | 4% | 0.81× | 6.9% | 4.3% |
| Chemung Financial CHMG | United States | $410M | +25% | +19% | 15% | 1.50× | 10.2% | 14.7% |
| First Carolina Financial Services FCBM | United States | $415M | n/a | +28% | 4% | 0.96× | 6.5% | n/a |
| Fidelity D & D Bancorp FDBC | United States | $399M | +50% | +8% | 14% | 1.62× | 12.4% | 13.5% |
| Foroya Banki FOBANK.CO | Denmark | $422M | +20% | -12% | 14% | 1.44× | 5.6% | 13.6% |
| PCB Bancorp PCB | United States | $422M | +22% | +4% | 11% | 1.27× | 8.4% | 10.8% |
| Norwood Financial NWFL | United States | $389M | +17% | +46% | 12% | 1.37× | 9.3% | 12.5% |
| RBB Bancorp RBB | United States | $433M | +7% | +4% | 8% | 0.81× | 8.8% | 8.4% |
| Parke Bancorp PKBK | United States | $384M | +6% | +9% | 14% | 1.17× | 8.3% | 14.1% |
| Plumas Bancorp PLBC | United States | $435M | +20% | +24% | 17% | 1.65× | 10.7% | 16.6% |
| Investar ISTR | United States | $383M | -2% | +34% | 11% | 1.00× | 7.7% | 11.0% |
| Georgia Banking GBC | United States | $382M | n/a | n/a | 12% | 1.23× | 8.9% | n/a |
| Avidbank AVBH | United States | $378M | +14% | -32% | -6% | 1.28× | 7.3% | -5.6% |
| Glarner Kantonalbank GLKBN.SW | Switzerland | $442M | +19% | -16% | 6% | 0.81× | 2.1% | 5.8% |
| Rogaland Sparebank ROGS.OL | Norway | $375M | +4% | 0% | 7% | 0.83× | 5.3% | 6.9% |
| GronlandsBANKEN A/S GRLA.CO | Denmark | $373M | +43% | -13% | 12% | 1.59× | 5.9% | 11.8% |
| Commercial Bancgroup CBK | United States | $448M | +12% | -1% | 15% | 1.44× | 9.2% | 14.6% |
| Hypothekarbank Lenzburg HBLN.SW | Switzerland | $368M | 0% | +4% | 4% | 0.60× | n/a | 4.3% |
| Pioneer Bancorp PBFS | United States | $456M | +26% | +18% | 4% | 1.38× | 8.6% | 4.0% |
| Jana Small Finance Bank JSFB.NS | India | $457M | -13% | +18% | 10% | 0.88× | 15.2% | 10.3% |