Citizens Financial Services, Inc.

CZFSNASDAQFinancial Services● Active

$65.44

+$0.07(+0.11%)

Market Cap$314435274

P/E Ratio—

52W High$69.58

52W Low$49.99

Avg Volume7K

Open$65.37

Beta0.40

Free Cash Flow Financials Revenue

Citizens Financial Services, Inc. (CZFS) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CZFS · free cash flow · updated Jun 9, 2026

Core FCF metrics

CZFS · FCF · TTM · margin & CAGR

Free cash flow was $35.2M for FY2025 (fiscal year ending 2025-12-31), up 10.6% year-over-year The FCF margin was 20.3%. Five-year CAGR stands at +26.5%.

FY2025 Free Cash Flow$35.2M▲ +10.6% YoY

Trailing 12M (TTM)$42.4Mtrailing 4 quarters sum

FCF Margin20.3%$35.2M ÷ revenue

3-Year CAGR+3.7%FY2022 → FY2025

5-Year CAGR+26.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CZFS · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$36.5M(1M)$35.2M▲ +10.6%20.3%

FY2024$33.2M(1M)$31.9M▲ +33.2%18.9%

FY2023$26.5M(3M)$23.9M▼ 24.3%17.2%

FY2022$33.2M(2M)$31.6M▼ 15.9%34.0%

FY2021$38.7M(1M)$37.6M▲ +245.5%44.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CZFS · P/FCF · FCF yield · FCF per share

Citizens Financial Services, Inc. (CZFS) trades at a FCF yield of 13.49% and a price-to-free-cash-flow ratio of 7.4x. FCF per share stands at $8.84, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

13.49%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$8.84

TTM FCF ÷ Shares Outstanding

Price / FCF

x7.4

Share Price ÷ FCF per Share

EV / FCF (TTM)

x11.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CZFS · cash flow statement · operating / investing / financing

For FY2025, Citizens Financial Services, Inc. generated $36.5M in operating cash flow and spent 1M in capital expenditures, yielding $35.2M in free cash flow.

Operating Activities

+$36.5M

Cash from core business operations

2025-12-31

Investing Activities

−$40.1M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$4.4M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($36.5M) − |CapEx| (1M) = FCF ($35.2M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CZFS vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Citizens Financial Services, Inc.YOU

CZFS

$35.2M+10.6%20.3%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Citizens Financial Services, Inc. (CZFS) reported free cash flow of $35.2M for FY2025 (fiscal year ending 2025-12-31), up 10.6% year-over-year. The FCF margin was 20.3%.

Based on available data, Citizens Financial Services, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $37.6M in FY2021. The 5-year CAGR stands at +26.5%.

Citizens Financial Services, Inc.'s FCF yield is 13.49% and price-to-FCF ratio is 7.4x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CZFS free cash flow · 8 questions

Citizens Financial Services, Inc. free cash flow was $35.2M for FY2025, up 10.6% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $42.4M.

CZFS free cash flowCZFS FCFCZFS FCF 2025CZFS free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Citizens Financial Services, Inc. · Citizens Financial Services, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026