| P/E (FY) | 10.1 | Sales (TTM) | $115.7M |
| Earnings (TTM) | $39.3M | ROE | 11.47% |
| Net Margin | 32.55% | ROIC | — |
| Debt / Equity | — | TD / EBITDA | — |
| EPS Growth 3Y | 2.05% | Sales Growth 3Y | 11.12% |
Citizens Financial Services, Inc. is a bank holding company providing banking products and services to individual, business, governmental, and institutional customers. It offers deposit products such as checking, savings, and time deposits, and loans including residential, commercial, and agricultural real estate, commercial and industrial, and consumer loans. The company also provides trust administration, investment management, estate planning, brokerage and financial planning, and oil and gas leasing assistance.
| Market Cap | $369.4M | Trading Days | 3775 |
| 52W High | 78.67 |
| 52W Low | 49.99 |
| % Off High | −2.28% |
| YTD | 37.00% | 1Y | 38.44% |
| 3Y | 24.13% | 5Y | 47.40% |
| 10Y | 143.62% | Since incept. (ann.) | 9.97% |
Community Banking 100%
| Ann. Volatility (1Y) | 36.24% | Ann. Volatility (3Y) | 45.08% |
| Sharpe (1Y) | 1.09 | Sharpe (3Y) | 0.39 |
| Max Drawdown (1Y) | −18.12% | Max Drawdown (3Y) | −41.69% |
| Beta (3Y, vs SPY) | 1.11 |
| Ticker | Name | Mkt cap | P/E |
|---|---|---|---|
| NWFL | NORWOOD FINANCIAL CORP | $370.8M | 11.3 |
| AVBH | Avidbank Holdings, Inc. | $357.2M | — |
| MVBF | MVB FINANCIAL CORP | $382.7M | 14.5 |
| HBIA | HILLS BANCORPORATION | $391.1M | 6.6 |
| CHMG | CHEMUNG FINANCIAL CORP | $395.2M | 26.1 |
| FRST | Primis Financial Corp. | $396.4M | 6.4 |
| PKBK | PARKE BANCORP, INC. | $400.4M | 10.8 |
| PCB | PCB BANCORP | $400.7M | 10.9 |
| FVCB | FVCBankcorp, Inc. | $338.0M | 15.5 |
| BCML | BayCom Corp | $335.5M | 14.1 |
| COSO | CoastalSouth Bancshares, Inc. | $333.1M | 12.8 |
| JMSB | John Marshall Bancorp, Inc. | $332.8M | 15.8 |
