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Citizens Financial Services Valuation Multiples
Discover revenue and EBITDA valuation multiples for Citizens Financial Services and similar public comparables like CoastalSouth Bancshares, John Marshall Bancorp, Himalayan Bank, Banque Cantonale du Jura and more.
Citizens Financial Services Overview
About Citizens Financial Services
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
Founded
1984
HQ
Employees
446
Website
Sectors
Financials (LTM)
EV
$602M
Citizens Financial Services Financials
Citizens Financial Services reported last 12-month revenue of $112M.
In the same LTM period, Citizens Financial Services generated $37M in net income.
Revenue (LTM)
Citizens Financial Services P&L
In the most recent fiscal year, Citizens Financial Services reported revenue of $101M and net income of $28M.
Citizens Financial Services expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $112M | XXX | $101M | XXX | XXX | XXX |
| Net Profit | $37M | XXX | $28M | XXX | XXX | XXX |
| Net Margin | 33% | XXX | 28% | XXX | XXX | XXX |
| Net Debt | — | — | $234M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Citizens Financial Services Stock Performance
Citizens Financial Services has current market cap of $293M, and enterprise value of $602M.
Market Cap Evolution
Citizens Financial Services' stock price is $60.85.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $602M | $293M | 0.0% | XXX | XXX | XXX | $5.79 |
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Start Free TrialCitizens Financial Services Valuation Multiples
Citizens Financial Services trades at 5.4x EV/Revenue multiple.
EV / Revenue (LTM)
Citizens Financial Services Financial Valuation Multiples
As of March 7, 2026, Citizens Financial Services has market cap of $293M and EV of $602M.
Equity research analysts estimate Citizens Financial Services' 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Citizens Financial Services has a P/E ratio of 8.0x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $293M | XXX | $293M | XXX | XXX | XXX |
| EV (current) | $602M | XXX | $602M | XXX | XXX | XXX |
| EV/Revenue | 5.4x | XXX | 6.0x | XXX | XXX | XXX |
| P/E | 8.0x | XXX | 10.5x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 18.9x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Citizens Financial Services Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Citizens Financial Services Margins & Growth Rates
Citizens Financial Services' revenue in the last fiscal year grew by 12%.
Citizens Financial Services' revenue per employee in the last FY averaged $0.3M.
Citizens Financial Services Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | — | XXX | 12% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 41% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Citizens Financial Services Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| CoastalSouth Bancshares | XXX | XXX | XXX | XXX | XXX | XXX |
| John Marshall Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| Himalayan Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Banque Cantonale du Jura | XXX | XXX | XXX | XXX | XXX | XXX |
| Blue Foundry Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Citizens Financial Services M&A Activity
Citizens Financial Services acquired XXX companies to date.
Last acquisition by Citizens Financial Services was on XXXXXXXX, XXXXX. Citizens Financial Services acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Citizens Financial Services
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialCitizens Financial Services Investment Activity
Citizens Financial Services invested in XXX companies to date.
Citizens Financial Services made its latest investment on XXXXXXXX, XXXXX. Citizens Financial Services invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Citizens Financial Services
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Citizens Financial Services
| When was Citizens Financial Services founded? | Citizens Financial Services was founded in 1984. |
| Where is Citizens Financial Services headquartered? | Citizens Financial Services is headquartered in United States. |
| How many employees does Citizens Financial Services have? | As of today, Citizens Financial Services has over 446 employees. |
| Who is the CEO of Citizens Financial Services? | Citizens Financial Services' CEO is Randall E. Black. |
| Is Citizens Financial Services publicly listed? | Yes, Citizens Financial Services is a public company listed on Nasdaq. |
| What is the stock symbol of Citizens Financial Services? | Citizens Financial Services trades under CZFS ticker. |
| When did Citizens Financial Services go public? | Citizens Financial Services went public in 1997. |
| Who are competitors of Citizens Financial Services? | Citizens Financial Services main competitors are CoastalSouth Bancshares, John Marshall Bancorp, Himalayan Bank, Banque Cantonale du Jura. |
| What is the current market cap of Citizens Financial Services? | Citizens Financial Services' current market cap is $293M. |
| What is the current revenue of Citizens Financial Services? | Citizens Financial Services' last 12 months revenue is $112M. |
| What is the current revenue growth of Citizens Financial Services? | Citizens Financial Services revenue growth (vs. last FY) is 12%. |
| What is the current EV/Revenue multiple of Citizens Financial Services? | Current revenue multiple of Citizens Financial Services is 5.4x. |
| Is Citizens Financial Services profitable? | Yes, Citizens Financial Services is net-income-positive (as of the last 12 months). |
| What is the current net income of Citizens Financial Services? | Citizens Financial Services' last 12 months net income is $37M. |
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