Citizens Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Citizens Financial Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$25Sales grew 37% in 3 years; of every extra $100 of sales, $25 became extra profit.
Higher than 51% of Financial Services companies in United States.
Asset Productivity Ratio
+37% / +31%In 3 years sales changed by +37% while total assets changed by +31%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 60% of Financial Services companies in United States.
Tangible Net Worth Ratio
74%Of every $100 of net worth, $74 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 65% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Citizens Financial Services, Inc. owes $0.89 for every $1 it owns. Net profit rose 31% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.9Investors pay $9.9 for every $1 of Citizens Financial Services, Inc.'s yearly profit, lower than 79% of Financial Services companies in United States.
P/B ratio
1.15The share price is 1.15 times Citizens Financial Services, Inc.'s book value per share, lower than 61% of Financial Services companies in United States.
Market cap
$407 MThe total market value of all of Citizens Financial Services, Inc.'s shares at today's price (share price × number of shares), smaller than 63% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$353 MWhat Citizens Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$73.36Net worth divided by the number of shares. The share price of $84.57 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
12.3%Citizens Financial Services, Inc. earned 12.3% on its shareholders' money over the last year, higher than 62% of Financial Services companies in United States.
Owes vs Owns
0.89×Citizens Financial Services, Inc. owes $0.89 for every $1 it owns (high), higher than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.44%Citizens Financial Services, Inc. pays 2.44% of its share price as dividends a year, lower than 58% of dividend-paying Financial Services companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit growth
+31%Net profit rose 31% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit margin
32.6%Citizens Financial Services, Inc. keeps $33 of every $100 of revenue as net profit.
Questions
What is Citizens Financial Services, Inc.'s P/E ratio?
Investors pay $9.9 for every $1 of Citizens Financial Services, Inc.'s yearly profit, lower than 79% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Citizens Financial Services, Inc.: $407 M ÷ $353 M (30 Jun 2026) = 1.2.
What is Citizens Financial Services, Inc.'s return on equity?
Citizens Financial Services, Inc. earned 12.3% on its shareholders' money over the last year, higher than 62% of Financial Services companies in United States.
How much does Citizens Financial Services, Inc. owe compared with what it owns?
Citizens Financial Services, Inc. owes $0.89 for every $1 it owns (high), higher than 73% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Citizens Financial Services, Inc. pay a dividend?
Yes. Citizens Financial Services, Inc. pays 2.44% of its share price as dividends a year, lower than 58% of dividend-paying Financial Services companies in United States.
Is Citizens Financial Services, Inc.'s revenue growing?
Revenue rose 12% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.