Citizens Financial Services (CZFS)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $405M, Citizens Financial Services's free cash flow of $35M (fiscal 2025) would need to grow about -2% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from Citizens Financial Services's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from CZFS's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Citizens Financial Services's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $8M | $9M | $9M | $10M | $10M |
| Net income | $29M | $29M | $18M | $28M | $37M |
| Free cash flow | $38M | $32M | $24M | $32M | $35M |
| EPS (diluted) | $7.24 | $7.17 | $3.98 | $5.79 | $7.62 |
| Operating margin | — | — | — | — | — |
Where the revenue comes from
Revenue by products, fiscal 2020. Every breakdown, year by year.
Superinvestors who own CZFS
From each investor's latest 13F filing (what a 13F shows). 1 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Cliff Asness AQR Capital Management |
Added | $680,938 | 0.0% | Q2 2026 |
Insider buying
Open-market purchases by Citizens Financial Services's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you. Every purchase since records began.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Aug 31, 2026 | Stephen J Guillaume SENIOR VICE PRESIDENT |
24 | $76.32 | $1,832 |
| Feb 27, 2026 | Stephen J Guillaume |
13 | $57.06 | $742 |
| Nov 28, 2025 | Stephen J Guillaume |
16 | $53.10 | $850 |
| Nov 4, 2025 | Randall E Black |
22 | $54.25 | $1,194 |
| Nov 3, 2025 | Randall E Black |
478 | $54.10 | $25,860 |
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In the full deep dive
Questions
What growth does Citizens Financial Services's stock price imply?
At a market value of $405M, Citizens Financial Services would need its free cash flow to grow about -2% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew 9% a year.
Are Citizens Financial Services insiders buying the stock?
5 open-market insider purchases of CZFS in the last 12 months, from SEC Form 4 filings.
Which superinvestors own Citizens Financial Services?
1 of the superinvestors Investingly tracks hold CZFS in their latest 13F, including Cliff Asness.
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Prices and ratios as of Oct 8, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.