Citizens Financial Services Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $9.9M+2.5% YoYTTM through 30 Jun 2026
Net Income $41.1M+47.6% YoYTTM through 30 Jun 2026
Free Cash Flow $36.9MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 45.7% |
| Net Margin | 416.6% |
Returns
11.5%ROE
1.2%ROA
8.0%ROIC
Balance Sheet Health
Debt / Equity0.59x
Net Debt$158.9M
Cash & Equivalents$39.4M
Quality Metrics
Piotroski F-Score4 / 9
FCF Margin374.5%
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $9.9M
Diluted EPS$8.55TTMFY2025: $7.62
Dividend
$1.01Per share, FY20261.25%Yield-11.0%5-yr growth
Capital Allocation
Capex Intensity6.4%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Community Banking | View detailsThe segment continues to focus on traditional deposit gathering, lending, and trust services across its regional footprint. |
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