Citizens Financial Services, Inc. (CZFS) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for Citizens Financial Services, Inc., with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 7.48x | 10.70x | 15.76x | 10.37x | 8.14x | 8.40x |
| P/B Ratio | 0.81x | 0.99x | 1.00x | 1.51x | 1.12x | 1.09x |
| P/S Ratio | 1.58x | 1.77x | 2.02x | 3.24x | 2.77x | 2.58x |
| Profitability | ||||||
| Gross Margin | 63.3% | 58.2% | 62.2% | 86.1% | 89.9% | 87.1% |
| Operating Margin | 26.0% | 20.0% | 15.5% | 38.1% | 41.3% | 37.2% |
| Net Margin | 21.1% | 16.5% | 12.8% | 31.2% | 34.0% | 30.7% |
| EBITDA Margin | 26.0% | 21.0% | 16.6% | 39.2% | 42.6% | 38.6% |
| Liquidity | ||||||
| Current Ratio | 0.04x | 0.04x | 0.21x | 0.26x | 0.33x | 0.24x |
| Quick Ratio | 0.04x | 0.04x | 0.21x | 0.26x | 0.33x | 0.24x |
| Leverage | ||||||
| Debt/Equity | 0.92x | 0.99x | 1.08x | 1.29x | 0.35x | 0.46x |
YoY = year-over-year change. Source: FMP..