NASDAQ · STATE COMMERCIAL BANKS · MID CAP
Citizens Financial Services, Inc. CZFS
17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY4 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$9.9M
▲ 2.8% vs FY2024
Dividend streak
4 yrs
Raised every year since 2022
EPS · FY25
$7.62
Dividend / sh · FY25
$1.98
Payout · FY25
26%
ROE · FY25
11.5%
Net margin · FY25
370.1%
Dividend coverage
3.8×
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Result
USD 9.9M
Revenue, FY2025 · full 17-year series below
Revenue
Net income
370 cents of every revenue dollar became profit this year.
Per share
USD 7.62
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 3.8 times — the rest stayed in the company.
Profitability
11.5%
Return on equity, FY2025
ROE
Operating margin457.8%
Net margin370.1%
Return on assets1.2%
Each USD of equity produced 11 cents of profit this year.
Returned to shareholders
USD 9.8M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 9.5M
Net buybacksUSD 290,000.00
Share of profit26.9%
Consecutive raises4 years
USD 9.5M in dividends and USD 290,000.00 in buybacks — 27% of the year's profit went back to shareholders.
Growth
+8.2% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+4.8%
+8.2%
Net income
+8.0%
+7.8%
+12.1%
+8.0%
EPS, diluted
+2.0%
+3.4%
+7.8%
+4.6%
Dividend / share
+2.1%
+1.0%
+2.0%
+4.2%
Returned to shareholders
+3.5%
+2.6%
+2.6%
+7.0%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
—
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
USD 3.1B
total assets, end of FY2025
Total assetsUSD 3.1B
EquityUSD 338.1M
CashUSD 34.3M
DepositsUSD 2.4B
Equity funds 11% of total assets.
History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
Operating income $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
EBITDA $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
·
·
·
Income tax $B
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
0.0
0.0
0.0
Net income $B
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
0.0
0.0
0.0
EPS, diluted $
7.62
5.79
3.98
7.17
7.24
6.46
5.41
5.04
3.67
3.57
3.60
4.36
4.38
4.60
4.16
3.90
·
Dividend / sh $
1.98
1.93
1.90
1.86
1.83
1.88
1.74
1.71
1.64
1.57
1.63
2.15
1.21
1.49
1.09
1.07
1.01
Payout %
26
33
48
26
25
26
32
34
40
40
44
46
27
32
25
27
30
ROE %
11.5
9.6
7.4
14.1
14.3
14.4
13.3
13.4
10.3
10.4
10.6
13.9
14.7
16.6
17.1
17.7
16.0
Shares out B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed