CZFS CITIZENS FINANCIAL SERVICES INC
Data as of close
Financial · State Commercial Banks
CITIZENS FINANCIAL SERVICES INC (CZFS) is a financial company in the State Commercial Banks industry, with a market capitalization of $407 million. Shares last traded at $84.70, 3.6% below their 52-week high. Over the past year the stock is up 55.4%. CZFS trades at a price-to-earnings ratio of 9.92, below the State Commercial Banks median of 12.28. Net profit margin is 23.7%, above the peer median of 21.4%. Revenue grew 2.8% year over year. The shares yield 2.4% in dividends.
* P/E (TTM) = market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year — the same basis as the peer table and the screener, so it can differ from price ÷ EPS.
Performance
Chart
Full chart →Daily candles · volume · SMA(20)/SMA(50) · Databento EQUS.MINI.
Technicals
Financials
Trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year; revenue is the fiscal-year figure where quarterly revenue covers under half of it (typical for banks, insurers and REITs), and margins are taken on it; latest reported period ends 2026-06-30. Source: SEC EDGAR/XBRL.
CZFS Dividend History
| Fiscal year end | Total dividends paid | Per share* | Payout ratio |
|---|---|---|---|
| 2025-12-31 | $10M | $0.00 | 26% |
| 2024-12-31 | $9M | $0.00 | 33% |
| 2023-12-31 | $9M | $0.00 | 48% |
| 2022-12-31 | $8M | $0.00 | 26% |
| 2021-12-31 | $7M | $0.00 | 25% |
| 2020-12-31 | $7M | $0.00 | 26% |
| 2019-12-31 | $6M | $0.00 | 32% |
| 2018-12-31 | $6M | $0.00 | 34% |
| 2017-12-31 | $5M | $0.00 | 40% |
| 2016-12-31 | $5M | $0.00 | 40% |
| 2015-12-31 | $5M | $0.00 | 44% |
| 2014-12-31 | $6M | $0.00 | 46% |
*Per share derived as total dividends paid ÷ weighted diluted shares (SEC EDGAR/XBRL annual cash-flow facts). Reported history — not a forecast of future dividends.
Compare payers on the highest-dividend-yield screener.
Recent earnings
| Period | EPS (diluted) | Reported |
|---|---|---|
| Q2 2026 | $2.12 | 2026-08-06 |
| Q1 2026 | $2.16 | 2026-05-07 |
| Q4 2025 (derived) | $2.18 | 2026-03-12 |
| FY 2025 | $7.62 | 2026-03-12 |
| Q3 2025 | $2.09 | 2025-11-06 |
| Q2 2025 | $1.76 | 2025-08-07 |
Q4 marked "derived" = fiscal-year EPS minus Q1–Q3 (10-Ks report only the annual figure); EPS is not strictly additive, so it can differ by a cent or two from the issuer's own Q4.
State Commercial Banks peers
CZFS vs 14 industry peers (State Commercial Banks), by market cap. Data as of close
| BNS | Bank Of Nova Scotia | $115.8B | — | — | — | -0.39% |
| BNY | BNY Mellon | $100.5B | 15.36 | 2.47 | 16.1% | +1.02% |
| DB | Deutsche Bank Aktiengesellschaft | $64.7B | — | — | — | -0.25% |
| FITB | Fifth Third Bancorp | $48.7B | 19.01 | 3.77 | 19.8% | -1.88% |
| STT | State Street Corporation | $46.2B | 12.53 | 2.98 | 23.8% | +0.23% |
| MTB | M&T Bank | $32.1B | 10.57 | 2.42 | 22.9% | -1.11% |
| NTRS | Northern Trust | $31.3B | 12.88 | 2.19 | 17.0% | +1.17% |
| CFG | Citizens Financial Group | $27.0B | 11.90 | 2.24 | 18.8% | -0.86% |
| FCNCA | First Citizens Bancshares Inc /De/ | $26.2B | 11.15 | 2.73 | 24.5% | -1.92% |
| EWBC | East West Bancorp Inc | $18.1B | 12.54 | 3.88 | 30.9% | -0.56% |
| ALLY | Ally Financial Inc. | $11.4B | 7.64 | 1.44 | 18.8% | -1.75% |
| WTFC | Wintrust Financial Corp | $10.5B | 11.65 | 2.48 | 21.3% | -1.23% |
| SSB | Southstate Bank Corp | $10.2B | 11.04 | 2.73 | 24.7% | -1.04% |
| BPOP | Popular, Inc. | $10.0B | 10.32 | 2.25 | 21.8% | -1.38% |
Source: SEC EDGAR (fundamentals/EPS/dividends) · Databento EQUS.MINI (prices) · market cap & yield computed by tradmap. Informational only — not financial advice.