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)
- 10.84%
- Return on Average Assets (ROAA)
- 1.13%
- Efficiency Ratio
- 60.0%
- Deposits to Assets
- 78.9%
- Loans to Deposits
- 70.8%
Valuation Metrics
- Book Value Per Share (BVPS)
- $68.18
- Graham Number
- $104.51
Capital & Balance Sheet
- Equity to Assets
- 10.72%
- Loans to Assets
- 55.8%
- Total Assets
- $3.06B
- Total Deposits
- $2.41B
- Total Equity
- $327.7M
TTM Performance
- Net Income (TTM)
- $34.1M
- Net Interest Income (TTM)
- $94.7M
- Earnings Per Share (TTM)
- $7.12
- Dividend Per Share (TTM)
- $1.97
- Dividend Payout Ratio
- 27.7%
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 2025-09-30.
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