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NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Citizens Financial Services Inc. CZFS

17 fiscal years on record · USD · FY2025 reported · SEC filings only
4 YEARS OF DIVIDEND GROWTH
$36.6M
▲ 31.5% YoY
$35.2M
▲ 10.6% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The Company is primarily engaged in the ownership and management of CZFS, its subsidiary, the Bank and the Bank’s wholly owned subsidiaries, First Citizens Insurance Agency, Inc. (“First Citizens Insurance”) and 1st Realty of PA LLC (“Realty”). The Bank is a full-service bank engaged in a broad range of banking activities and services for individual, business, governmental and institutional customers. These 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 Bank’s main office is located at 15 South Main Street, Mansfield (Tioga County), Pennsylvania. In addition to the main office in Mansfield, the Bank operates 38 full service offices, two limited branch offices and two mortgage centers in its market areas. The banking industry in the Bank’s service areas is intensely competitive, with competitors including local community banks, larger regional banks, and financial service providers such as consumer finance companies, thrifts, investment firms, mutual funds, insurance companies, credit unions, mortgage banking firms, financial companies, financial affiliates of industrial companies, FinTech and internet entities, and government sponsored agencies, such as Freddie Mac, Fannie Mae and Farm Credit.

Written from the business description in Citizens Financial Services, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth

·
Revenue, FY2025 · full 17-year series below
Compound annual growth
+8.0%
+7.8%
+12.1%
+8.0%
+2.0%
+3.4%
+7.8%
+4.6%
+2.1%
+1.0%
+2.0%
+4.2%
+3.5%
+2.6%
+2.6%
+7.0%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

·
ROE
FY2025 · ROE 11.5%
5%10%15%
200920172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 11 cents of profit this year.

Cash & shareholders

USD 9.8M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 35.2
15M30M
200920172025
Net buybacks $M Dividends $M
FY2025 · Dividends 9.5 · Net buybacks 0.3
4M8MDividendsNet buybacks
200920112013201520172019202120232025

USD 9.5M in dividends and USD 290,000.00 in buybacks — 27% of the year's profit went back to shareholders.

Total assetsUSD 3.1B
EquityUSD 338.1M
CashUSD 34.3M
DepositsUSD 2.4B

Equity funds 11% of total assets.

The 17-year record

17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
CZFS, 17-year financial record
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Operating income $B0.00.00.00.00.00.00.0◌◌◌◌◌◌◌◌◌◌
EBITDA $B0.00.00.00.00.00.00.0◌◌◌◌◌◌◌◌◌◌
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
EPS, diluted $7.625.793.987.177.246.465.415.043.673.573.604.364.384.604.163.90◌
Dividend / sh $1.981.931.901.861.831.881.741.711.641.571.632.151.211.491.091.071.01
Payout %2633482625263234404044462732252730
ROE %11.59.67.414.114.314.413.313.410.310.410.613.914.716.617.117.716.0

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

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Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the share count is not tagged before 2010. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityState Commercial Banks
Listed onNASDAQ
Incorporated inPennsylvania
Fiscal year endsDecember 31
Data on record since2009

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