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CITIZENS FINANCIAL SERVICES INC

CZFS

$80.97 ▼ -1.69 (-2.04%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

CITIZENS FINANCIAL SERVICES INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $388.5M

Dividend Yield 2.45%

Revenue Growth 10.3% ↘

Op. Margin 40.3% ↗

ROIC None

FCF / Share None

Trailing P/E 10.6x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$112.34M

↑ +10.3% —

Net Income Profit after all expenses

$36.57M

↑ +31.5% —

Operating Margin Operating profit as % of sales

40.3%

↑ +21.8% 94th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.98 Latest / share

+1.5% YoY

-0.8% 12-yr CAGR

$2.17

FY 2014

$1.71

FY 2015

$1.58

FY 2016

$1.65

FY 2017

$1.73

FY 2018

$1.76

FY 2019

$1.90

FY 2020

$1.84

FY 2021

$1.88

FY 2022

$1.94

FY 2023

$1.95

FY 2024

$1.98

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	10.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+72%)	10.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	12.2% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+103%)	4.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-27%)	6.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+9%)	26.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+337%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	7.9% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	11.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+83%)	19.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+231%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-75%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-77%)	-2.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	7.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	4.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-23%)	7.8% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+31%)	—	—
EPS Growth YoY (%)	30.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	44.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-44.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	19.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	37.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	2.8% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-5.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-14.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	11.8% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	15.7% Good Good Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	31.5% Excellent ↑ Excellent Improving Year-over-year change in net income	56.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-38.7% Weak ↓ Weak Declining Year-over-year change in net income	-0.2% Weak ↓ Weak Declining Year-over-year change in net income	16.0% Good ↓ Good Declining Year-over-year change in net income	28.8% Excellent ↑ Excellent Improving Year-over-year change in net income	8.1% Fair ↓ Fair Declining Year-over-year change in net income	38.5% Excellent ↑ Excellent Improving Year-over-year change in net income	3.1% Caution ↑ Caution Improving Year-over-year change in net income	8.7% Fair ↑ Fair Improving Year-over-year change in net income	-13.1% Weak ↓ Weak Declining Year-over-year change in net income	0.1% Caution ↓ Caution Declining Year-over-year change in net income	-5.9% Weak ↓ Weak Declining Year-over-year change in net income	10.8% Fair ↓ Fair Declining Year-over-year change in net income	11.6% Fair Fair Year-over-year change in net income	16.6% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	12.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.1% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-0.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.1% Caution Caution Compound annual revenue growth over 3 years	6.7% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	14.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	9.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.4% Caution Caution Compound annual revenue growth over 5 years	3.7% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.7% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-7.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	12.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	20.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.3% Good ↑ Good Improving Compound annual EPS growth over 3 years	-5.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.3% Caution Caution Compound annual EPS growth over 3 years	11.3% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	40.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	33.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	23.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	43.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	45.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	41.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.6% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	32.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	27.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	19.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	35.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	37.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	34.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	33.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	32.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	25.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	27.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	30.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	35.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	36.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	37.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	36.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+64%)	33.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	31.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	9.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	6.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	14.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	12.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	12.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	13.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	14.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	15.9% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+32%)	15.8% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+31%)	16.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	16.0% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$23.42	$21.44	$20.96	$20.42	$19.68	$19.15	$16.39	$15.52	$14.48	$13.08	$12.49	$12.41	$12.29	$12.52	$12.07	$11.50	—	—
Basic EPS, GAAP (USD)	$7.62	$5.86	$4.06	$7.25	$7.31	$6.53	$5.48	$5.09	$3.70	$3.60	$3.79	$4.41	$4.42	$4.65	$4.36	$3.90	$3.37	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.98	$1.95	$1.94	$1.88	$1.84	$1.90	$1.76	$1.73	$1.65	$1.58	$1.71	$2.17	$1.22	$1.51	$1.15	$1.07	$1.01	—
Book Value per Share (USD)	$70.46	$63.10	$63.81	$49.93	$53.34	$50.53	$43.49	$39.33	$36.70	$35.14	$39.09	$33.09	$30.43	$29.28	$27.68	$23.27	—	—
Tangible Book Value per Share (USD)	$52.13	$44.44	$43.41	$41.78	$45.05	$41.94	$36.56	$32.29	$29.51	$28.53	$31.41	$29.56	$27.04	$25.92	$24.20	$23.27	—	—
Basic Weighted Avg Shares (shares)	4.80M	4.75M	4.38M	4.01M	3.98M	3.84M	3.56M	3.54M	3.52M	3.51M	3.06M	3.04M	3.03M	3.06M	2.94M	2.95M	—	—
Dividend Payout Ratio (%)	26.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	47.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	29.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	43.9% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	45.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.6% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	32.5% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	26.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	27.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	30.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$338.05M	$299.73M	$279.67M	$200.15M	$212.49M	$194.26M	$154.77M	$139.23M	$129.01M	$123.27M	$119.76M	$100.53M	$92.06M	$89.47M	$81.47M	$68.69M	$61.53M	$52.77M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$112.34M	$101.86M	$91.86M	$81.87M	$78.42M	$73.61M	$58.33M	$54.92M	$50.91M	$45.86M	$38.26M	$37.69M	$37.19M	$38.26M	$35.53M	$33.96M	$31.49M	—
Depreciation Expense (USD)	$1.62M	$1.24M	$1.15M	$877.00K	$922.00K	$921.00K	$784.00K	$751.00K	$776.00K	$763.00K	$608.00K	$537.00K	$598.00K	$606.00K	$649.00K	$669.00K	—	—
Net Income, GAAP (USD)	$36.57M	$27.82M	$17.81M	$29.06M	$29.12M	$25.10M	$19.49M	$18.03M	$13.03M	$12.64M	$11.63M	$13.38M	$13.38M	$14.21M	$12.83M	$11.50M	$9.86M	—
Operating Cash Flow (USD)	$36.53M	$33.18M	$26.54M	$33.24M	$38.69M	$11.82M	$21.77M	$21.49M	$15.74M	$16.19M	—	—	$17.82M	$14.81M	$15.56M	$12.82M	$9.93M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.9%	2.7%	3.1%	3.1%	3.3%	3.4%	3.3%	3.1%	3.1%	2.7%	3.3%	3.3%	3.4%	3.3%	—	—	—
Efficiency Ratio (%) (%)	57.6%	64.4%	70.6%	54.6%	53.0%	55.5%	57.2%	57.5%	57.6%	62.5%	61.2%	53.5%	52.9%	50.4%	51.8%	53.1%	57.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

CITIZENS FINANCIAL SERVICES INC

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