Citizens Financial Servic... (CZFS)
NASDAQ: CZFS
· Real-Time Price · USD
56.69
-2.17 (-3.69%)
At close: Aug 15, 2025, 3:59 PM
56.70
0.03%
After-hours: Aug 15, 2025, 04:10 PM EDT
Citizens Financial Services Ratios and Metrics
Financials in USD. Fiscal
year is
January - December.
Fiscal Year | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 | Q1 2021 |
Period Ending | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 |
PE Ratio | 8.32 | 8.96 | 9.32 | 9.17 | 9.85 | 7.98 | 9.99 | 7.39 | -18.11 | 11.83 | 9.56 | 9.14 | 9.97 | 9.28 | 8.53 | 8.56 | 9.25 | 6.82 |
PEG Ratio | 0.89 | -1.88 | 1.65 | 0.21 | -0.39 | -1.26 | -15.88 | -0.03 | 0.11 | -0.96 | 1.98 | 1.04 | 3.31 | -3.17 | -3.73 | 1.41 | -0.45 | 0.40 |
PS Ratio | 7.98 | 6.43 | 6.90 | 6.51 | 5.04 | 5.37 | 7.17 | 5.53 | 10.32 | 11.91 | 11.30 | 11.27 | 12.68 | 12.35 | 11.27 | 11.42 | 11.84 | 10.25 |
PB Ratio | 0.90 | 0.89 | 0.99 | 0.93 | 0.73 | 0.79 | 1.08 | 0.85 | 1.14 | 1.52 | 1.51 | 1.44 | 1.41 | 1.23 | 1.12 | 1.16 | 1.20 | 1.16 |
P/FCF Ratio | n/a | 26.36 | 29.71 | 49.38 | 71.78 | 16.79 | 18.94 | 31.65 | -32.55 | 31.85 | 35.79 | 30.60 | 125.84 | 20.87 | 37.89 | 23.11 | 32.02 | 17.52 |
P/OCF Ratio | n/a | 24.95 | 28.40 | 44.41 | 68.77 | 16.67 | 18.58 | 30.02 | -40 | 31.21 | 33.84 | 29.76 | 90.93 | 20.77 | 37.52 | 22.71 | 31.72 | 16.53 |
OCF/S Ratio | n/a | 0.26 | 0.24 | 0.15 | 0.07 | 0.32 | 0.39 | 0.18 | -0.26 | 0.38 | 0.33 | 0.38 | 0.14 | 0.59 | 0.30 | 0.50 | 0.37 | 0.62 |
Debt / Equity Ratio | 1.00 | 0.98 | 0.99 | 0.78 | 1.17 | 1.00 | 1.08 | 1.20 | 1.21 | 1.35 | 1.29 | 1.35 | 0.57 | 0.34 | 0.35 | 0.37 | 0.48 | 0.43 |
Quick Ratio | n/a | 0.04 | 0.04 | 0.19 | 0.20 | 0.19 | 0.20 | 0.20 | 0.22 | 0.27 | 0.26 | 0.26 | 0.26 | 0.31 | 0.33 | 0.30 | 0.29 | 0.29 |
Current Ratio | n/a | 0.04 | 0.04 | 0.19 | 0.20 | 0.19 | 0.20 | 0.20 | 0.22 | 0.27 | 0.26 | 0.26 | 0.26 | 0.31 | 0.33 | 0.30 | 0.29 | 0.29 |
Asset Turnover | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Interest Coverage | -0.62 | 0.59 | 0.56 | 0.53 | 0.38 | 0.50 | 0.55 | 0.64 | -0.6 | 1.21 | 1.92 | 3.13 | 5.00 | 5.29 | 5.19 | 4.93 | 4.35 | 5.44 |
Return on Equity | 0.03 | 0.02 | 0.03 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | -0.02 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 |
Return on Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Return on Invested Capital | -0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | -0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 |
Dividend Yield | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Payout Ratio | 0.28 | 0.31 | 0.29 | 0.31 | 0.44 | 0.33 | 0.31 | 0.31 | -0.47 | 0.28 | 0.24 | 0.25 | 0.28 | 0.28 | 0.27 | 0.26 | 0.28 | 0.22 |
Gross Profit Margin | -0.73 | 0.61 | 0.61 | 0.60 | 0.55 | 0.58 | 0.60 | 0.63 | 0.53 | 0.74 | 0.80 | 0.85 | 0.89 | 0.91 | 0.92 | 0.90 | 0.89 | 0.89 |
Net Profit Margin | 0.24 | 0.18 | 0.19 | 0.18 | 0.13 | 0.17 | 0.18 | 0.19 | -0.14 | 0.25 | 0.30 | 0.31 | 0.32 | 0.33 | 0.33 | 0.33 | 0.32 | 0.38 |
Pretax Profit Margin | 0.29 | 0.22 | 0.22 | 0.22 | 0.15 | 0.20 | 0.22 | 0.23 | -0.18 | 0.31 | 0.36 | 0.38 | 0.39 | 0.41 | 0.40 | 0.41 | 0.39 | 0.45 |
Operating Profit Margin | -0.27 | 0.22 | 0.22 | 0.22 | 0.15 | 0.20 | 0.22 | 0.23 | -0.18 | 0.31 | 0.36 | 0.38 | 0.39 | 0.41 | 0.40 | 0.41 | 0.39 | 0.45 |
FCF Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
EBITDA Margin | 0.29 | 0.23 | 0.23 | 0.23 | 0.17 | 0.22 | 0.23 | 0.24 | -0.17 | 0.32 | 0.37 | 0.39 | 0.40 | 0.42 | 0.42 | 0.42 | 0.40 | 0.46 |