CZFS Stock Price, Chart, Stats & News

Citizens Financial Services, Inc.
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Fundamentals
Gross margin | 63.36% |
Operating margin | 26.00% |
Pretax margin | 26.00% |
Net margin | 21.09% |
Effective tax rate | 18.89% |
ROA | 1.19% |
ROE | 11.36% |
D/E | 0.92x |
Interest coverage ratio | 0.74x |
CZFS valuation
P/E | 7.98x |
P/S | 1.67x |
P/B | 0.86x |
P/CF | 7.92x |
P/FCF | 8.31x |
P/OCF | 7.92x |
PEG | 1.06x |
EV multiple | 0.33x |
About
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services.
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