CITIZENS FINANCIAL SERVICES INC (CZFS)
Comprehensive financial analysis for CITIZENS FINANCIAL SERVICES INC (CZFS) based on SEC EDGAR filings. Data updated daily from official 10-K and 10-Q reports.
Company Information
- Legal Name
- CITIZENS FINANCIAL SERVICES INC
- Ticker Symbol
- CZFS
- Exchange
- NASDAQ
- CIK Number
- 0000739421
- SIC Code
- 6022
- Industry
- State Commercial Banks
- Shares Outstanding
- 4.8M
Profitability & Efficiency Metrics
- Return on Equity (ROE)
- 11.84%
- Return on Average Assets (ROAA)
- 1.30%
- Efficiency Ratio
- 56.1%
- Deposits to Assets
- 80.7%
- Loans to Deposits
- 69.9%
Valuation Metrics
- Book Value Per Share (BVPS)
- $71.51
- Graham Number
- $114.72
Capital & Balance Sheet
- Equity to Assets
- 11.35%
- Loans to Assets
- 56.4%
- Total Assets
- $3.03B
- Total Deposits
- $2.44B
- Total Equity
- $343.6M
TTM Performance
- Net Income (TTM)
- $39.3M
- Net Interest Income (TTM)
- $101.1M
- Earnings Per Share (TTM)
- $8.18
- Dividend Per Share (TTM)
- $1.98
- Dividend Payout Ratio
- 24.2%
SEC Filing Data
All financial data for CITIZENS FINANCIAL SERVICES INC is sourced directly from SEC EDGAR filings including 10-K annual reports and 10-Q quarterly statements. Metrics are calculated using trailing twelve month (TTM) methodology with data through 2026-03-31.
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