State Ledger
Company profile

CITIZENS FINANCIAL SERVICES INC CIK 739421

Ticker
CZFS (Nasdaq)
Industry
State Commercial Banks
Headquarters
Mansfield, PA 16933
Fiscal year end
2025 (FY)
Market Data
Close
$80.03
Change
+$0.00
Change %
0.00%
Volume
0

CZFS · trading date Oct 9, 2026 · previous close $80.03 · source: Alpaca (IEX feed, not consolidated full-market data).

Key Financials
Revenue
$9.88M
Net income
$36.57M
Total assets
$3.06B
Total liabilities
$2.73B
Stockholders' equity
$338.05M
Cash & equivalents
$34.29M
Operating income
—
Operating cash flow
$36.53M
Capital expenditures
$1.30M

Fiscal year 2025, via 10-K filed 2026-03-12. A dash means this figure wasn't reported in the source filing under a field State Ledger recognizes - not that the value is zero.

Financial Performance
Operating margin
—
Net margin
370.1%
Free cash flow
$35.24M
Free cash flow margin
356.6%
Liabilities / assets
89.0%
Equity / assets
11.0%
CapEx / revenue
13.1%
Operating cash flow / net income
1.00×

Derived from the fiscal year 2025 figures above. These metrics are mathematical calculations and do not represent a rating or assessment of the company.

Financial History
Fiscal yearRevenueNet incomeAssetsLiabilitiesEquity
2025 $9.88M $36.57M $3.06B $2.73B $338.05M
2024 $9.61M $27.82M $3.03B $2.73B $299.73M
2023 $8.97M $17.81M $2.98B $2.70B $279.67M
2022 $8.59M $29.06M $2.33B $2.13B $200.15M
2021 $7.74M $29.12M $2.14B $1.93B $212.49M
Company Details
SIC code
6022
State of incorporation
PA
Active filer
Yes
Most recent SEC filing
Form 4
2026-09-15
Financials filed via
Form 10-K
filed 2026-03-12

"Most recent SEC filing" may differ from the filing used for the financial figures above.

Location
Mansfield, PA 16933
15 S MAIN ST
Data & Methodology

SEC EDGAR submissions API (identity, collected Sep 19, 2026, 15:11 UTC) and SEC XBRL Company Facts API (financials, collected Sep 26, 2026, 15:51 UTC) · figures as originally filed, not restated · a dash always means a value wasn't reported, never a real zero.

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