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Citizens Financial Services, Inc. CZFS | NASDAQ

$79.14 $0.53 | 0.67%

SIGNAL:

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|2026-10-01 |F&G 38 |RSI 39.4

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Company Overview:

Market Cap: $380.65M

Trailing PE: 9.3x

FWD PE *: 9x

Payout Ratio (TTM): 23.5%

52-Week Range: $52.35 - $84.65

* Forward PE is based on street estimates.

10 Year CZFS Performance Metrics:

Total Return (with DRIP): 144.1% (9.33% CAGR)

Total Return (no DRIP): 118.9% (8.15% CAGR)

Share Price: 78.2% (5.95% CAGR)

Yield on Cost (with DRIP): 6.29%

Total Invested: $10,000

Total Value (with DRIP): $24,407

Total Return $ (with DRIP): $14,407

Dividend Increase: 25.1% (2.33% CAGR)

Dividend Yield (FWD): 2.58% ($2.04)

CZFS 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

CZFS Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

CZFS Price CAGR:1Y: 31.03%2Y: 19.41%5Y: 5.25%10Y: 5.86%

CZFS Dividend Charts

CZFS - Dividends

CZFS Dividend CAGR:1Y: 2.00%2Y: 2.02%5Y: 2.05%10Y: 2.27%

CZFS - Dividend Payout Ratio

CZFS Dividend Payout Ratio CAGR:1Y: -14.73%2Y: -26.24%5Y: -2.88%10Y: -5.78%

CZFS - Dividend to Free Cash Flow Ratio

CZFS Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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CZFS Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CZFS - Revenue

CZFS Revenue CAGR:1Y: 2.61%2Y: 2.73%5Y: 18.13%10Y: 14.58%

CZFS - Earnings Per Share (EPS)

CZFS EPS CAGR:1Y: 20.45%2Y: 38.20%5Y: 5.14%10Y: 10.10%

CZFS - Net Income

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CZFS Net Income CAGR:1Y: 20.37%2Y: 38.97%5Y: 8.91%10Y: 12.89%

CZFS - EBITDA

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CZFS EBITDA CAGR:1Y: 17.42%2Y: 36.65%5Y: 4.54%10Y: 9.69%

CZFS - Free Cash Flow

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CZFS Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

CZFS - Free Cash Flow / Share

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CZFS Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

CZFS - Operating Income

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CZFS Operating Income CAGR:1Y: 18.48%2Y: 38.99%5Y: 4.38%10Y: 9.51%

CZFS - Gross Profit

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CZFS Gross Profit CAGR:1Y: 9.96%2Y: 13.60%5Y: 0.00%10Y: 0.00%

CZFS - Shares Outstanding

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CZFS Shares Outstanding CAGR:1Y: 0.02%2Y: 0.51%5Y: 3.56%10Y: 2.57%

CZFS - Share Buybacks

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CZFS Share Buybacks CAGR:1Y: -38.49%2Y: 102.07%5Y: -15.24%10Y: -13.43%

CZFS - Stock-Based Comp

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CZFS Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 11.16%10Y: 11.11%

CZFS - Expenses

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CZFS Expenses CAGR:1Y: -42.02%2Y: 50.33%5Y: 31.50%10Y: 2.15%

CZFS - Revenue vs Net Income

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CZFS - EPS vs FCF / Share

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CZFS - EPS vs PE Ratio

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CZFS - FCF vs FCF / Share

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CZFS - FCF vs Stock Based Comp

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CZFS - Cash & Debt

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CZFS - Revenue by Segment

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CZFS Revenue CAGR:1Y: 2.61%2Y: 2.73%5Y: 18.13%10Y: 14.58%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CZFS - REVENUE: Actual + Estimates

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CZFS Actual Revenue CAGR:1Y: 2.61%2Y: 2.73%5Y: 18.13%10Y: 14.58%

CZFS - EPS: Actual + Estimates

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CZFS Actual EPS CAGR:1Y: 20.45%2Y: 38.20%5Y: 5.14%10Y: 10.10%

CZFS - NET INCOME: Actual + Estimates

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CZFS Actual Net Income CAGR:1Y: 20.37%2Y: 38.97%5Y: 8.91%10Y: 12.89%

CZFS - EBITDA: Actual + Estimates

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CZFS Actual EBITDA CAGR:1Y: 17.42%2Y: 36.65%5Y: 4.54%10Y: 9.69%

Ratios, Profit Margins & Return on Capital:

CZFS - Net Profit Margin

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CZFS Net Profit Margin CAGR:1Y: 17.34%2Y: 35.29%5Y: -7.80%10Y: -1.48%

CZFS - Gross Profit Margin

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CZFS Gross Profit Margin CAGR:1Y: 7.17%2Y: 10.58%5Y: -7.66%10Y: -3.91%

CZFS - Price to Earnings

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CZFS Price to Earnings CAGR:1Y: 1.94%2Y: -7.09%5Y: -1.88%10Y: -4.81%

CZFS - Price To Sales Ratio

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CZFS Price To Sales Ratio CAGR:1Y: 20.24%2Y: 25.89%5Y: -9.47%10Y: -6.19%

CZFS - Return on Capital Employed

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CZFS Return on Capital Employed CAGR:1Y: -75.04%2Y: -36.34%5Y: -4.90%10Y: -0.86%

CZFS - Return on Invested Capital

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CZFS Return on Invested Capital CAGR:1Y: -74.64%2Y: -36.35%5Y: -34.77%10Y: -18.54%

CZFS Dividends Info:

Annual Dividend: $2.04

Forward Yield: 2.58%

Ex-Dividend Date: 2026-09-11

Lifetime Dividends / Share: $36.06

CZFS Dividend History: Dates, Payments & Yield list

Below is a schedule of all CZFS dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
09/11/2026	09/14/2026	$0.510	2.48%	2.47%	$82.47
06/12/2026	06/15/2026	$0.510	2.93%	3.07%	$66.52
03/13/2026	03/16/2026	$0.500	3.39%	3.38%	$59.24
12/12/2025	12/15/2025	$0.500	3.27%	3.26%	$61.43
09/12/2025	09/15/2025	$0.500	3.09%	3.18%	$62.90
06/13/2025	06/16/2025	$0.495	3.58%	3.48%	$56.92
03/14/2025	03/17/2025	$0.495	3.48%	3.43%	$57.74
12/13/2024	12/16/2024	$0.490	2.82%	2.78%	$70.42
09/13/2024	09/16/2024	$0.490	3.5%	3.58%	$54.77
06/14/2024	06/17/2024	$0.490	4.63%	4.49%	$43.67
03/14/2024	03/18/2024	$0.490	4.78%	4.86%	$40.37
12/14/2023	12/18/2023	$0.490	3.07%	3.08%	$63.73
09/14/2023	09/18/2023	$0.490	3.93%	3.87%	$50.61
06/08/2023	06/12/2023	$0.480	2.14%	2.12%	$90.57
03/09/2023	03/13/2023	$0.480	2.53%	2.75%	$69.80
12/15/2022	12/30/2022	$0.475	2.56%	2.53%	$75.21
09/15/2022	09/30/2022	$0.475	2.54%	2.76%	$68.82
06/09/2022	06/24/2022	$0.470	2.71%	2.74%	$68.72
03/10/2022	03/25/2022	$0.466	3.09%	3.02%	$61.58
12/15/2021	12/30/2021	$0.461	3.16%	3.13%	$58.91
09/15/2021	09/30/2021	$0.461	3.06%	3.04%	$60.66
06/10/2021	06/25/2021	$0.451	2.99%	2.93%	$61.62
03/11/2021	03/26/2021	$0.456	3.34%	3.19%	$57.13
12/14/2020	12/29/2020	$0.451	3.84%	3.48%	$51.89
09/10/2020	09/25/2020	$0.451	3.95%	4.22%	$42.76
06/11/2020	06/26/2020	$0.446	3.44%	3.47%	$51.41
03/12/2020	03/27/2020	$0.544	4.1%	4.97%	$43.77
12/12/2019	12/27/2019	$0.441	2.95%	3.04%	$58.04
09/12/2019	09/27/2019	$0.441	3.13%	3.2%	$55.19
06/13/2019	06/28/2019	$0.436	2.96%	3.03%	$57.56
03/14/2019	03/29/2019	$0.436	2.99%	2.89%	$60.29
12/13/2018	12/28/2018	$0.423	2.99%	3.23%	$52.29
09/13/2018	09/28/2018	$0.431	2.82%	2.93%	$58.92
06/14/2018	06/29/2018	$0.426	2.91%	2.87%	$59.35
03/15/2018	03/30/2018	$0.422	2.79%	2.79%	$60.63
12/14/2017	12/29/2017	$0.417	2.84%	2.84%	$58.76
09/14/2017	09/29/2017	$0.417	3.22%	3.14%	$53.16
06/14/2017	06/30/2017	$0.393	3.2%	3%	$52.40
03/15/2017	03/31/2017	$0.413	3.23%	3.52%	$46.88
12/14/2016	12/30/2016	$0.408	3.65%	3.46%	$47.08
09/14/2016	09/30/2016	$0.408	3.23%	3.64%	$44.77
06/21/2016	06/30/2016	$0.403	3.49%	3.56%	$45.30
03/16/2016	03/24/2016	$0.403	3.39%	3.78%	$42.66
12/16/2015	12/30/2015	$0.398	3.81%	3.69%	$43.10
09/16/2015	09/25/2015	$0.495	4.34%	4.84%	$40.90
06/17/2015	06/26/2015	$0.393	3.61%	3.65%	$43.10
03/18/2015	03/27/2015	$0.393	3.15%	3.51%	$44.85
12/11/2014	12/22/2014	$0.388	3.02%	3.29%	$47.27
09/17/2014	09/26/2014	$0.971	8.49%	8.33%	$46.61
06/18/2014	06/27/2014	$0.370	3.16%	3.09%	$47.93
03/19/2014	03/28/2014	$0.370	2.88%	3.04%	$48.76
12/17/2013	12/27/2013	$0.370	3.05%	3.15%	$47.02
09/18/2013	09/27/2013	$0.274	2.37%	2.63%	$41.64
06/19/2013	06/28/2013	$0.260	2.49%	2.44%	$42.67
03/20/2013	03/29/2013	$0.261	2.29%	2.58%	$40.43
12/19/2012	12/31/2012	$0.348	3.77%	3.9%	$35.66
10/17/2012	10/26/2012	$0.279	2.71%	2.93%	$38.15
07/18/2012	07/27/2012	$0.272	3.01%	3.04%	$35.79
04/18/2012	04/27/2012	$0.272	3.6%	3.62%	$30.01
01/18/2012	01/27/2012	$0.267	3.49%	3.59%	$29.77
11/16/2011	11/25/2011	$0.091	1.26%	1.3%	$27.96
10/19/2011	10/28/2011	$0.245	3.51%	3.51%	$27.92
07/13/2011	07/29/2011	$0.237	2.74%	2.89%	$32.84
04/13/2011	04/29/2011	$0.240	2.83%	3.12%	$30.81
01/12/2011	01/28/2011	$0.236	2.88%	3.14%	$30.00
11/24/2010	12/17/2010	$0.068	0.85%	0.92%	$29.67
10/13/2010	11/05/2010	$0.236	3.59%	3.09%	$30.49
07/14/2010	07/30/2010	$0.228	3.73%	3.74%	$24.39
04/14/2010	04/30/2010	$0.231	3.71%	3.89%	$23.75
01/13/2010	01/29/2010	$0.227	4.22%	4.09%	$22.14
11/12/2009	12/10/2009	$0.045	0.9%	0.87%	$20.73
10/14/2009	10/30/2009	$0.227	4.29%	4.31%	$21.01
07/15/2009	07/31/2009	$0.220	4.46%	4.42%	$19.92
04/15/2009	04/30/2009	$0.220	4.67%	5.02%	$17.53
01/14/2009	01/30/2009	$0.215	5.54%	5.27%	$16.34
11/12/2008	11/28/2008	$0.045	0.98%	1%	$17.94
10/15/2008	10/31/2008	$0.215	5.54%	5.72%	$15.06
07/09/2008	07/25/2008	$0.209	3.93%	4.48%	$18.65
04/09/2008	04/25/2008	$0.209	4.48%	4.7%	$17.75
01/10/2008	01/25/2008	$0.204	5.38%	4.9%	$16.69
10/10/2007	10/26/2007	$0.204	4.73%	4.93%	$16.57
07/11/2007	07/27/2007	$0.198	4.06%	4.53%	$17.50
04/11/2007	04/27/2007	$0.198	4.24%	4.31%	$18.36
01/10/2007	01/26/2007	$0.193	3.86%	4.26%	$18.16
10/11/2006	10/27/2006	$0.193	4.45%	4.35%	$17.81
07/12/2006	07/28/2006	$0.187	4.56%	4%	$18.75
04/11/2006	04/28/2006	$0.187	4.3%	4.12%	$18.18
01/11/2006	01/27/2006	$0.183	4.05%	4.11%	$17.79
10/12/2005	10/28/2005	$0.166	4.08%	3.99%	$16.63
07/13/2005	07/29/2005	$0.160	3.95%	3.76%	$17.02
04/13/2005	04/29/2005	$0.177	3.69%	3.77%	$18.76
01/12/2005	01/28/2005	$0.172	3.33%	3.6%	$19.15
10/13/2004	10/29/2004	$0.172	4.07%	4.16%	$16.58
07/14/2004	07/25/2004	$0.152	3.25%	3.18%	$19.18
04/14/2004	04/30/2004	$0.168	3.66%	3.62%	$18.58
01/14/2004	01/30/2004	$0.164	3.58%	3.46%	$18.96
10/15/2003	10/31/2003	$0.164	3.72%	3.23%	$20.26
07/09/2003	07/25/2003	$0.143	2.46%	2.39%	$23.93
04/09/2003	04/25/2003	$0.158	3.15%	3.12%	$20.27
01/15/2003	01/31/2003	$0.154	3.7%	3.7%	$16.63
10/10/2002	10/25/2002	$0.149	4.11%	3.5%	$17.07
07/10/2002	07/26/2002	$0.145	3.95%	4.48%	$12.95
04/10/2002	04/26/2002	$0.144	4.48%	3.83%	$15.00
01/11/2002	01/25/2002	$0.139	4.89%	5.09%	$10.96
10/10/2001	10/26/2001	$0.139	5.04%	5.36%	$10.41
07/11/2001	07/27/2001	$0.134	5.2%	4.81%	$11.13
04/10/2001	04/27/2001	$0.134	5.12%	5.12%	$10.46
01/10/2001	01/26/2001	$0.116	4.54%	4.64%	$10.04
10/11/2000	10/27/2000	$0.116	4.95%	4.89%	$9.52
07/12/2000	07/28/2000	$0.112	4.44%	5.2%	$8.58
04/12/2000	04/28/2000	$0.112	3.55%	4.37%	$10.20
01/12/2000	01/28/2000	$0.108	2.95%	3.45%	$12.48
10/13/1999	10/30/1999	$0.104	3.41%	2.92%	$14.27
07/14/1999	07/30/1999	$0.103	2.66%	3.1%	$13.30
04/14/1999	04/30/1999	$0.103	2.46%	2.63%	$15.69
01/13/1999	01/29/1999	$0.099	1.96%	2.62%	$15.15
10/14/1998	10/30/1998	$0.099	2.04%	2.08%	$19.12
07/20/1998	07/30/1998	$0.096	1.83%	1.83%	$20.92
04/15/1998	04/30/1998	$0.095	2.02%	2%	$18.93
01/14/1998	01/30/1998	$0.091	2.49%	2.43%	$15.00
10/15/1997	10/30/1997	$0.091	0%	3%	$12.14
06/13/1997	07/15/1997	$0.168	6.7%	6.53%	$10.27

Projected Future Returns & Dividends for CZFS

Based on past 10-year performance, here are CZFS growth metrics:

Share price CAGR of +5.86%
Dividend CAGR of +2.28%

Using CZFS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	CZFS (DRIP)	CZFS - No DRIP
Current Price	$79.14	$79.14
Start Shares	126.36	126.36
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	157.64	126.36
Dividends Payment	$0.64	$0.64
Annual Dividends	$403	$323
Yield on cost	4.03%	3.23%
Share Price	$139.90	$139.90
Total Dividends	$3,224	$2,858
Final Value	$22,053	$20,535

Estimated Future Value + Dividends - CZFS

NOTE: Above numbers are our estimate based on CZFS's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Citizens Financial Services, Inc. (CZFS) had its IPO on 1999-01-04, and is traded on NASDAQ stock exchange.

Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.

CZFS website: https://www.firstcitizensbank.com

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DCF Model — CZFS

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

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vs current price $79.14

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Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

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grows for the next years

Then mature

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every future dollar counted back to today

Pile of today-dollars

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÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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Own CZFS? See every dividend it's paid you

Add your CZFS shares to a free account and every payment you've received is listed — dated, in dollars — with reinvested shares counted and monthly totals. Room for 4 more stocks.

✓Every CZFS dividend you've received, dated, with the amount
✓Reinvested (DRIP) shares counted for you
✓Monthly totals across up to 5 stocks

See my CZFS payments →

Free plan · up to 5 holdings