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Zacks Company Profile for Citizens Financial Services Inc. (CZFS : NSDQ)

• Company Description    Citizens Financial Services, Inc. is the bank holding company for First Citizens National Bank. Number of Employees: 410

• Price / Volume Information    Yesterday's Closing Price: $57.02 Daily Weekly Monthly 20 Day Moving Average: 8,749 shares Shares Outstanding: 4.81 (millions) Market Capitalization: $274.06 (millions) Beta: 0.41 52 Week High: $65.80 52 Week Low: $49.47 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 1.17% 1.23% 12 Week -0.80% -2.13% Year To Date -9.94% -22.62%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 15 S MAIN ST - MANSFIELD,PA 16933 USA ph: 570-662-2121 fax: 570-662-2365 fccb@firstcitizensbank.com http://www.firstcitizensbank.com

• General Corporate Information    Officers Randall E. Black - Chief Executive Officer and President Stephen J. Guillaume - Chief Financial Officer Robert W. Chappell - Director R. Joseph Landy - Director Roger C. Graham - Director Peer Information Citizens Financial Services Inc. (CNBKA) Citizens Financial Services Inc. (CNBI2) Citizens Financial Services Inc. (CNOB) Citizens Financial Services Inc. (FBNK.) Citizens Financial Services Inc. (FMBN) Citizens Financial Services Inc. (TBNK) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: BANKS-NORTHEAST Sector: Finance CUSIP: 174615104 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 01/29/26 Share - Related Items Shares Outstanding: 4.81 Most Recent Split Date: 6.00 (1.01:1) Beta: 0.41 Market Capitalization: $274.06 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.51% Current Fiscal Quarter EPS Consensus Estimate: $1.79 Indicated Annual Dividend: $2.00 Current Fiscal Year EPS Consensus Estimate: $6.90 Payout Ratio: 0.28 Number of Estimates in the Fiscal Year Consensus: 1.00 Change In Payout Ratio: 0.00 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 12/12/2025 - $0.50 Next EPS Report Date: 01/29/26

• Fundamental Ratios P/E Current FY Estimate: 8.26 Trailing 12 Months: 8.00 PEG Ratio: - Price Ratios Price/Book: 0.84 Price/Cash Flow: 9.51 Price / Sales: 1.59 EPS Growth vs. Year Ago Period: 31.45% vs. Previous Quarter: 18.75% Sales Growth vs. Year Ago Period: 3.92% vs. Previous Quarter: 3.99% ROE 12/31/25 - - 09/30/25 - 10.91 06/30/25 - 10.36 ROA 12/31/25 - - 09/30/25 - 1.13 06/30/25 - 1.05 Current Ratio 12/31/25 - - 09/30/25 - 0.98 06/30/25 - 1.00 Quick Ratio 12/31/25 - - 09/30/25 - 0.98 06/30/25 - 0.99 Operating Margin 12/31/25 - - 09/30/25 - 19.80 06/30/25 - 18.54 Net Margin 12/31/25 - - 09/30/25 - 19.80 06/30/25 - 18.54 Pre-Tax Margin 12/31/25 - - 09/30/25 - 24.23 06/30/25 - 22.64 Book Value 12/31/25 - - 09/30/25 - 68.16 06/30/25 - 65.90 Inventory Turnover 12/31/25 - - 09/30/25 - 4.40 06/30/25 - 4.57 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.85 06/30/25 - 1.00 Debt-to-Capital 12/31/25 - - 09/30/25 - 46.04 06/30/25 - 49.97

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