CZFS
What one share of Citizens Financial Services holds
State Commercial Banks
Citizens Financial Services, Inc. (the “Company”), a Pennsylvania corporation, was incorporated on April 30, 1984 to be the holding company for First Citizens Community Bank (the “Bank”), a
Citizens Financial Services’s numbers from its SEC filings, divided by its shares. Results cover the last 12 months to 2026-06-30; the balance sheet is as of 2026-06-30.
| Sales | $24.60 |
|---|---|
| Profit | $8.55 |
| Capex (buildings and equipment) | $0.13 |
| Free cash flow | $7.69 |
| Dividends | $2.01 |
| Cash and investments | $8.20 |
| Book value | $73.36 |
Per share by fiscal year
| Year | Sales | Profit | Capex | Free cash | Dividends | Book value |
|---|---|---|---|---|---|---|
| 2016 | $12.94 | $3.57 | $0.17 | $4.40 | $1.57 | $37.08 |
| 2017 | $14.33 | $3.67 | $0.06 | $4.37 | $1.64 | $37.03 |
| 2018 | $15.34 | $5.04 | $0.14 | $5.86 | $1.71 | $39.78 |
| 2019 | $16.20 | $5.41 | $0.13 | $5.91 | $1.74 | $43.90 |
| 2020 | $18.95 | $6.46 | $0.24 | $2.80 | $1.88 | $49.64 |
| 2021 | $19.49 | $7.24 | $0.27 | $9.34 | $1.83 | $53.87 |
| 2022 | $20.19 | $7.17 | $0.40 | $7.79 | $1.86 | $50.40 |
| 2023 | $20.52 | $3.98 | $0.58 | $5.34 | $1.90 | $59.41 |
| 2024 | $21.21 | $5.79 | $0.27 | $6.64 | $1.93 | $62.98 |
| 2025 | $23.40 | $7.62 | $0.27 | $7.34 | $1.98 | $70.32 |