# Citizens Financial Services (CZFS) — Overview

CZFS · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/czfs

## Price

Last close $79.12 on Oct 15, 2026. 52-week range $53.18 – $83.67.

## Company profile

Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.

## Financials

| Metric | Value |
| --- | --- |
| Revenue (trailing twelve months) | $118.1M |
| Revenue (quarter) | $29.7M |
| Revenue growth (year over year) | 8.77% |
| Gross profit (trailing twelve months) | $0.00 |
| Gross margin | 0.00% |
| Net income (trailing twelve months) | $41.1M |
| Net income (quarter) | $10.2M |
| Net income growth (year over year) | 20.37% |
| Net margin | 34.76% |
| Return on equity | 12.32% |
| EPS (trailing twelve months) | $8.56 |
| Book value per share | $73.37 |
| P/E (trailing twelve months) | 9.3 |
| Price to book | 1.1 |
| Debt to assets | 88.95% |
| Payout ratio | 26.03% |
| Dividend yield | 2.55% |

## Frequently Asked Questions

### Is Citizens Financial Services (CZFS) profitable?

Yes. Citizens Financial Services earned $41.1M in net income over the trailing twelve months, a net margin of 34.76%.

### How much revenue does Citizens Financial Services (CZFS) make?

Citizens Financial Services generated $118.1M in revenue over the trailing twelve months, up 8.77% year over year.

### What is CZFS's P/E ratio?

Citizens Financial Services trades at 9.3 times trailing twelve-month earnings, on an EPS of $8.56.

### How do I buy stock in Citizens Financial Services (CZFS)?

CZFS trades commission-free with a Light Horse Securities brokerage account — from the mobile app, the web at [Light Horse Dashboard](https://portal.lighthorse.io), the trading API, or an [AI agent connected over MCP](/instructions/ai/claude). The trade panel on this page places the order once you are signed in.

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Data provided by [AInvest](https://www.ainvest.com).