CZFS - NASDAQ

Citizens Financial Services, Inc.

CZFS·NASDAQ

$62.65

-2.7%

Financial ServicesBanks - Regional

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$301.03M

EPS7.6200

P/E Ratio8.22

Earnings Date07/29/2026

3.06B

Assets

3Y+31.0%

5Y+62.0%

10Y+151.0%

2.73B

Total Liabilities

3Y+28.0%

5Y+61.0%

10Y+148.0%

338.05M

Total Equity

13%

3Y+69.0%

5Y+74.0%

10Y+174.0%

Citizens Financial Services, Inc. Funding & Solvency Profile

CZFS · NASDAQ

Current Assets

Cash & Cash Equivalents38.11M

Net Receivables10.70M

Inventory0.00

Other Current Assets0.00

Total Current Assets85 M

Non-Current Assets

Property, Plant & Equipment21.00M

Goodwill & Intangible Assets87.98M

Long-Term Investments2.75B

Other Non-Current Assets104.65M

Total Non-Current Assets3 B

Total Assets

3.06B

Financial Health Analysis

Current Ratio

0.04x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

8.07x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2310743000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Citizens Financial Services, Inc. Balance Sheet

CZFS • NASDAQ

Citizens Financial Services, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	38.1M	46M	56.9M	32.3M	183.9M	82.5M	32.8M	32.3M	28.8M	24.7M	32.1M	17.4M	12.6M	26.3M	30.4M	44M	31.4M	19.9M	10.4M	10M
Short-Term Investments	36.1M	47.1M	417.6M	439.5M	412.4M	295.2M	240.7M	241M	254.8M	314M	359.7M	306.1M	317.3M	310.3M	318.8M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	74.2M	93.1M	474.5M	471.8M	596.3M	377.7M	273.5M	273.3M	283.6M	338.7M	391.8M	323.5M	327.4M	336.6M	349.3M	44M	31.4M	19.9M	10.4M	10M
Net Receivables	10.7M	10.3M	11M	7.3M	5.2M	6M	4.6M	4.5M	4.2M	11.8M	4.2M	3.6M	3.7M	3.8M	3.6M	3.5M	3.1M	2.9M	2.5M	2.5M
Accounts Receivables	10.7M	10.3M	11M	7.3M	5.2M	6M	4.6M	4.5M	4.2M	4.1M	4.2M	3.6M	3.7M	3.8M	3.6M	3.5M	3.1M	2.9M	2.5M	2.5M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	7.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	84.9M	103.4M	485.5M	479.1M	601.5M	383.7M	278M	277.8M	287.8M	350.6M	396M	327.2M	333.6M	340.4M	352.9M	47.5M	34.6M	22.8M	12.9M	12.5M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	21M	21.4M	21.4M	17.6M	17M	16.9M	15.9M	16.3M	16.5M	17M	17.3M	12.4M	11.1M	11.5M	11.7M	12.5M	12.2M	12.8M	12.5M	12.9M
Goodwill	85.8M	85.8M	85.8M	31.4M	31.4M	31.4M	23.3M	23.3M	23.3M	21.1M	21.1M	10.3M	10.3M	10.3M	10.3M	10.3M	10.3M	10.3M	8.6M	8.6M
Intangible Assets	2.2M	2.9M	3.7M	1.3M	1.6M	1.7M	1.3M	1.6M	2M	2.1M	2.4M	473K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	88M	88.7M	89.4M	32.6M	33M	33M	24.6M	24.9M	25.2M	23.2M	23.5M	10.7M	10.3M	10.3M	10.3M	10.3M	10.3M	10.3M	8.6M	8.6M
Long-Term Investments	2.8B	2.7B	2.3B	1.7B	1.4B	1.4B	1.1B	1.1B	990.8M	792.6M	688.5M	547.8M	533.8M	497.1M	481M	718.9M	650.1M	602.6M	540M	520.6M
Tax Assets	11.4M	15.2M	17.3M	12.9M	4.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	13.4M	0.0
Other Non-Current Assets	104.6M	105M	109M	65.2M	53.2M	52M	44.5M	41.1M	41.6M	39.7M	37.6M	27M	26.2M	23.1M	22.7M	23.4M	22.3M	20.3M	17M	17.6M
Total Non-Current Assets	3B	2.9B	2.5B	1.9B	1.5B	1.5B	1.2B	1.2B	1.1B	872.4M	767M	597.9M	581.3M	542M	525.7M	765.1M	694.9M	645.8M	578.1M	558.9M
Total Assets	3.1B	3B	3B	2.3B	2.1B	1.9B	1.5B	1.4B	1.4B	1.2B	1.2B	925M	914.9M	882.4M	878.6M	812.5M	729.5M	668.6M	591M	572.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	3.1M	4.7M	4.3M	1.2M	711K	1M	1.1M	1.1M	897K	720K	734K	756K	895K	1.1M	1.5M	1.8M	2M	2.2M	2.2M	2.3M
Accounts Payable	3.1M	4.7M	4.3M	1.2M	711K	1M	1.1M	1.1M	897K	720K	734K	756K	895K	1.1M	1.5M	1.8M	2M	2.2M	2.2M	2.3M
Short Term Debt	15.5M	24.9M	30.6M	0.0	0.0	62.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	2.4B	2.4B	2.3B	1.8B	1.8B	1.5B	1.2B	1.2B	1.1B	1B	988M	773.9M	748.3M	737.1M	734M	680.7M	605.6M	546.7M	456M	446.5M
Total Current Liabilities	2.4B	2.4B	2.4B	1.8B	1.8B	1.6B	1.2B	1.2B	1.1B	1B	988.8M	774.7M	749.2M	738.2M	735.5M	682.5M	607.6M	548.9M	458.2M	448.8M
NON-CURRENT LIABILITIES
Long Term Debt	294M	272.8M	271.4M	257.3M	74M	88.8M	85.1M	91.2M	114.7M	79.7M	41.6M	41.8M	66.9M	46.1M	53.9M	56M	54.1M	61.2M	80.3M	75.8M
Other Non-Current Liabilities	37M	41.5M	67.8M	30.5M	20.5M	18.7M	14.2M	14.1M	12.4M	13.9M	12.8M	8M	6.7M	8.6M	7.7M	5.4M	6.2M	5.7M	3.9M	4.1M
Total Non-Current Liabilities	330.9M	314.4M	339.3M	287.8M	94.5M	107.5M	99.4M	105.3M	127M	93.5M	54.5M	49.8M	73.7M	54.7M	61.6M	61.3M	60.4M	66.9M	84.3M	79.9M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	884K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	2.7B	2.7B	2.7B	2.1B	1.9B	1.7B	1.3B	1.3B	1.2B	1.1B	1B	824.5M	822.9M	793M	797.1M	743.8M	668M	615.8M	542.5M	528.7M
SHAREHOLDERS' EQUITY
Treasury Stock	-16.4M	-16.4M	-16.8M	-17M	-16.1M	-15.2M	-14.4M	-13.6M	-12.6M	-12.6M	-10.2M	-8.2M	-7.9M	-6.6M	-5.3M	-4.6M	-4.4M	-4.3M	-4.2M	-3.7M
Common Stock	5.3M	5.2M	5.2M	4.4M	4.4M	4.4M	3.9M	3.9M	3.9M	3.7M	3.7M	3.3M	3.3M	3.2M	3.1M	3.1M	3.1M	3M	3M	3M
Additional Paid-In Capital	148M	145M	143.2M	80.9M	78.4M	75.9M	55.1M	53.1M	51.1M	42.3M	40.7M	25.2M	23.6M	16.5M	15.3M	14.2M	13.5M	13M	12.5M	11.9M
Retained Earnings	213.6M	189.4M	173M	164.9M	146M	126.6M	110.8M	99.7M	90M	91.3M	85.8M	79.5M	74.3M	71.8M	63.3M	54.9M	47.4M	41M	37.6M	34M
Accumulated Other Comprehensive Income/Loss	-12.4M	-23.5M	-24.9M	-33.1M	-155K	2.6M	-629K	-3.9M	-3.4M	-1.4M	-236K	767K	-1.2M	4.6M	4.9M	1.1M	2M	26K	-420K	-1.7M
Total Stockholders' Equity	338.1M	299.7M	279.7M	200.1M	212.5M	194.3M	154.8M	139.2M	129M	123.3M	119.8M	100.5M	92.1M	89.5M	81.5M	68.7M	61.5M	52.8M	48.5M	43.5M
Total Equity	338.1M	299.7M	279.7M	200.1M	212.5M	194.3M	154.8M	139.2M	129M	123.3M	119.8M	100.5M	92.1M	89.5M	81.5M	68.7M	61.5M	52.8M	48.5M	43.5M
SUMMARY
Total Liabilities & Equity	3.1B	3B	3B	2.3B	2.1B	1.9B	1.5B	1.4B	1.4B	1.2B	1.2B	925M	914.9M	882.4M	878.6M	812.5M	729.5M	668.6M	591M	572.2M
Total Investments	2.8B	2.7B	2.7B	2.2B	1.8B	1.7B	1.3B	1.3B	1.2B	1.1B	1B	853.9M	851.1M	807.4M	799.8M	718.9M	650.1M	602.6M	540M	520.6M
Total Debt	309.4M	297.7M	302M	257.3M	74M	88.8M	85.1M	91.2M	114.7M	79.7M	41.6M	41.8M	66.9M	46.1M	53.9M	56M	54.1M	61.2M	80.3M	75.8M
Net Debt	271.3M	251.7M	245.1M	225M	-109.9M	6.4M	52.3M	58.9M	85.9M	55M	9.6M	24.4M	54.4M	19.8M	23.5M	12M	22.7M	41.3M	70M	65.8M
Shares Outstanding	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310	4,807,310

SEC Filings

CZFS - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 07, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	April 29, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 29, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 21, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	March 12, 2026	April 21, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 12, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 18, 2026	February 17, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 29, 2026	January 29, 2026	2026	View Filing
8-K 8-K 2025 N/A	January 29, 2026	December 31, 2025	2025	View Filing

Showing 1 to 10 of 403 filings

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