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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.
1984
446
LTM Revenue $102M
Last FY EBITDA n/a
$586M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Citizens Financial Servs has a last 12-month revenue (LTM) of $102M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Citizens Financial Servs achieved revenue of $101M and an EBITDA of n/a.
Citizens Financial Servs expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Citizens Financial Servs valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $102M | XXX | $101M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $31.1M | XXX | $27.8M | XXX | XXX | XXX |
| Net Margin | 31% | XXX | 28% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $234M | XXX | XXX | XXX |
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As of August 15, 2025, Citizens Financial Servs's stock price is $57.
Citizens Financial Servs has current market cap of $273M, and EV of $586M.
See Citizens Financial Servs trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $586M | $273M | XXX | XXX | XXX | XXX | $6.54 |
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Start Free TrialAs of August 15, 2025, Citizens Financial Servs has market cap of $273M and EV of $586M.
Citizens Financial Servs's trades at 5.8x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Citizens Financial Servs's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Citizens Financial Servs has a P/E ratio of 8.8x.
See valuation multiples for Citizens Financial Servs and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $273M | XXX | $273M | XXX | XXX | XXX |
| EV (current) | $586M | XXX | $586M | XXX | XXX | XXX |
| EV/Revenue | 5.8x | XXX | 5.8x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 8.8x | XXX | 9.8x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 18.4x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialCitizens Financial Servs's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.
Citizens Financial Servs's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Citizens Financial Servs's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Citizens Financial Servs and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | 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 Servs acquired XXX companies to date.
Last acquisition by Citizens Financial Servs was XXXXXXXX, XXXXX XXXXX XXXXXX . Citizens Financial Servs acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Citizens Financial Servs founded? | Citizens Financial Servs was founded in 1984. |
| Where is Citizens Financial Servs headquartered? | Citizens Financial Servs is headquartered in United States of America. |
| How many employees does Citizens Financial Servs have? | As of today, Citizens Financial Servs has 446 employees. |
| Who is the CEO of Citizens Financial Servs? | Citizens Financial Servs's CEO is Mr. Randall E. Black. |
| Is Citizens Financial Servs publicy listed? | Yes, Citizens Financial Servs is a public company listed on NAS. |
| What is the stock symbol of Citizens Financial Servs? | Citizens Financial Servs trades under CZFS ticker. |
| When did Citizens Financial Servs go public? | Citizens Financial Servs went public in 1997. |
| Who are competitors of Citizens Financial Servs? | Similar companies to Citizens Financial Servs include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of Citizens Financial Servs? | Citizens Financial Servs's current market cap is $273M |
| What is the current revenue of Citizens Financial Servs? | Citizens Financial Servs's last 12 months revenue is $102M. |
| What is the current EV/Revenue multiple of Citizens Financial Servs? | Current revenue multiple of Citizens Financial Servs is 5.8x. |
| Is Citizens Financial Servs profitable? | Yes, Citizens Financial Servs is EBITDA-positive (as of the last 12 months). |
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