profit from every $100 of sales.
$0$100
Citizens Financial Services
$86.18+1.54% today
+47.2% in 1 year
1-year low $53.791-year high $87.30
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.34 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Citizens Financial Services sold, what it kept, and what it did with the cash.
Sales went from $81.9 million in 2022 to $112 million in 2025, with $36.6 million of profit last year.
SalesProfit
Citizens Financial Services handed back 29% of the cash it generated last year.
$10M
Free cash flow 2025$35M
Bought back its own shares$545,000
Paid as dividends$10M
Cash vs. debt$38M vs. $294M
Citizens Financial Services vs. similar companies
Citizens Financial Services grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Citizens Financial Services | 11.3× · Cheap | ||
 China Merchants Bank | 7.8× · Cheap | ||
 DBS Group Holdings | 18.1× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.5× · Fair price |
AI analysis
An AI analyst reads Citizens Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 82 | 92 | 101 | 112 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 29 | 18 | 28 | 37 | |
| 7.10 | 3.98 | 5.79 | 7.62 | |
| – | – | – | – | |
| – | – | – | – | |
| 35.5% | 19.4% | 27.6% | 32.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,333 | 2,975 | 3,026 | 3,065 |
| Cash | 32 | 57 | 46 | 38 |
| Total debt | 257 | 284 | 280 | 294 |
| Total liabilities | 2,133 | 2,696 | 2,726 | 2,727 |
| 200 | 280 | 300 | 338 | |
| 4 | 4 | 5 | 5 | |
| – | – | – | – | |
| 14.5% | 6.4% | 9.3% | 10.8% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 33 | 27 | 33 | 37 | |
| 2 | 3 | 1 | 1 | |
| 32 | 24 | 32 | 35 | |
| Dividends paid | 8 | 9 | 9 | 10 |
| 1 | 0 | 0 | 1 | |
| 0 | 0 | 0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.3×
- 11.0×
- 4.80
- 0.9×
- 3.7×
- 8.8%
- 3.2%
Profitability
- 32.6%
- 1.3%
- 6.0%
- 11.9%
- 1.3%
Growth
- +11.1%
- +2.4%
- +1.2%
- +4.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 34%of 843
Top 35%of 730
Top 34%of 866
Top 39%of 862
Top 34%of 921
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 2.16 | 1.98 | +9.1% |
| Jan 30, 2026 | 2.18 | 2.07 | +5.3% |
| Oct 30, 2025 | 2.09 | 1.76 | +18.7% |
| Jul 30, 2025 | 1.76 | 1.62 | +8.6% |
| Apr 30, 2025 | 1.60 | 1.49 | +7.4% |
| Jan 30, 2025 | 1.68 | 1.54 | +9.1% |
| Oct 30, 2024 | 1.59 | 1.38 | +15.2% |
| Jul 30, 2024 | 1.30 | 1.32 | −1.5% |
3.2%of the share price, paid each year
On $1,000 invested$32a year at today's yield, before tax
+1.2%2020 to 2025
Raised4 yearsin a row, in our data
Paid per share, each year
$1.66 in 2015 → $1.99 in 2025
How safe it looks
26.1% of its profit
Room to growStretchedMore than it earns: 27.1%
News
Citizens Holding reports Q3 resultsSeeking Alpha · Nov 3, 2026Omega Healthcare Investors raised to Buy-equivalent at Citizens after stock cools from 52-week highSeeking Alpha · Oct 22, 2026First Citizens (FCNCA): Is the SVB-Boosted Bank Still Undervalued for the S&P 500 Index?Yahoo Finance · Oct 20, 2026First Citizens BancShares (FCNCA): Buy, Sell, or Hold Post Q2 Earnings?Yahoo Finance · Oct 16, 2026Peoples Bancorp gets regulatory green light for Citizens National mergerSeeking Alpha · Sep 29, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
52No pass
Benjamin Graham
74Pass
Philip Fisher
56No pass
Peter Lynch
27No pass
Joel Greenblatt
20No pass
Charlie Munger
45No pass
Terry Smith
44No pass
Questions about Citizens Financial Services
Is Citizens Financial Services a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Citizens Financial Services AI analysis
What does Citizens Financial Services do?
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. It is in Banks - Regional.
Does Citizens Financial Services pay a dividend?
Yes. At today's price the dividend is 3.2% a year, about 26% of its yearly profit. In 2025 it paid out $9.55 million in dividends.
Is Citizens Financial Services stock halal?
No. Citizens Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Citizens Financial Services stock done over the past year?
Up 47.2% over the past twelve months, to $86.18. It traded between $53.79 and $87.30, close to its high.
Who are Citizens Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Citizens Financial Services's.
Prices: daily closes to Nov 9, 2026. Fundamentals: company reports via invest-like data.