Citizens Financial Services, Inc. (CZFS)
Stock Price Chart
Key Info
| Market Cap | 191.38M |
| Revenue (ttm) | 61.13M |
| Net Income (ttm) | 19.62M |
| Shares Out | 3.92M |
| EPS (ttm) | 5.54 |
| PE Ratio | 8.80 |
| Forward PE | 9.65 |
| Dividend | $1.82 |
| Dividend Yield | 3.73% |
Stock Quote
| Trading Day | Aug 6, 2020 |
| Last Price | $48.75 |
| Previous Close | $48.75 |
| Change ($) | 0.00 |
| Change (%) | 0.00% |
| Day's Open | 48.75 |
| Day's Range | 48.75 - 48.75 |
| Day's Volume | 100 |
| 52-Week Range | 35.64 - 69.30 |
More Stats
| Market Cap | 191.38M |
| Enterprise Value | 238.92M |
| Earnings Date (est) | Oct 21, 2020 |
| Ex-Dividend Date | Jun 11, 2020 |
| Shares Outstanding | 3.92M |
| Float | 3.27M |
| EPS (basic) | 5.59 |
| EPS (diluted) | 5.54 |
| FCF / Share | 5.94 |
| Dividend | $1.82 |
| Dividend Yield | 3.73% |
| Earnings Yield | 11.36% |
| FCF Yield | 10.90% |
| Payout Ratio | 33.90% |
| Shares Short | n/a |
| Short Ratio | n/a |
| Short % of Float | n/a |
| Beta | 0.44 |
| PE Ratio | 8.80 |
| Forward PE | 9.65 |
| P/FCF Ratio | 9.17 |
| PS Ratio | 3.13 |
| PB Ratio | 1.05 |
| Revenue | 61.13M |
| Operating Income | 23.50M |
| Net Income | 19.62M |
| Free Cash Flow | 20.86M |
| Net Cash | -47.54M |
| Net Cash / Share | -12.11 |
| Gross Margin | 92.50% |
| Operating Margin | 38.45% |
| Profit Margin | 34.10% |
| FCF Margin | 34.13% |
| ROA | 1.24% |
| ROE | 12.15% |
| ROIC | 1.60% |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 56.65 | 52.99 | 48.37 | 44.34 | 37.78 | 37.11 | 36.94 | 37.97 | 34.85 | 32.70 |
| Revenue Growth | 6.9% | 9.56% | 9.08% | 17.38% | 1.8% | 0.47% | -2.73% | 8.96% | 6.57% | - |
| Gross Profit | 56.65 | 52.99 | 48.37 | 44.34 | 37.78 | 37.11 | 36.94 | 37.97 | 34.85 | 32.70 |
| Operating Income | 23.31 | 21.44 | 19.06 | 15.67 | 14.35 | 16.94 | 17.13 | 18.55 | 16.44 | 14.66 |
| Net Income | 19.49 | 18.03 | 13.03 | 12.64 | 11.63 | 13.39 | 13.38 | 14.22 | 12.83 | 11.50 |
| Shares Outstanding | 3.52 | 3.54 | 3.55 | 3.58 | 3.29 | 3.29 | 3.30 | 3.34 | 3.37 | 3.35 |
| Earnings Per Share | 5.53 | 5.09 | 3.67 | 3.54 | 3.53 | 4.07 | 4.05 | 4.25 | 3.81 | 3.40 |
| EPS Growth | 8.64% | 38.69% | 3.82% | 0.17% | -13.31% | 0.54% | -4.77% | 11.69% | 12% | - |
| Dividend Per Share | 1.78 | 1.73 | 1.67 | 1.65 | 1.61 | 1.55 | 1.21 | 1.56 | 1.14 | 1.08 |
| Dividend Growth | 2.77% | 3.59% | 1.46% | 2.17% | 4.06% | 27.76% | -22.23% | 37.17% | 5.76% | - |
| Operating Cash Flow | 21.77 | 21.49 | 15.74 | 16.19 | 12.81 | 16.18 | 17.82 | 14.81 | 15.56 | 12.82 |
| Capital Expenditures | -0.48 | -0.50 | -0.21 | -0.59 | -0.78 | -1.31 | -0.33 | -0.44 | -0.09 | -1.29 |
| Free Cash Flow | 21.29 | 20.99 | 15.53 | 15.61 | 12.04 | 14.87 | 17.49 | 14.37 | 15.47 | 11.52 |
| Cash & Equivalents | 32.78 | 32.30 | 28.80 | 24.71 | 32.08 | 17.38 | 12.56 | 26.33 | 30.43 | 44.00 |
| Total Debt | 85.12 | 91.19 | 115 | 79.66 | 41.63 | 41.80 | 66.93 | 46.13 | 53.88 | 56.00 |
| Net Cash / Debt | -52.34 | -58.90 | -85.86 | -54.95 | -9.55 | -24.42 | -54.37 | -19.79 | -23.45 | -12.00 |
| Assets | 1,466 | 1,431 | 1,362 | 1,223 | 1,163 | 925 | 915 | 882 | 879 | 813 |
| Liabilities | 1,312 | 1,291 | 1,233 | 1,100 | 1,043 | 825 | 823 | 793 | 797 | 744 |
| Book Value | 155 | 139 | 129 | 123 | 120 | 101 | 92.06 | 89.48 | 81.47 | 68.69 |
Company Profile
Company Details
| Full Name | Citizens Financial Services, Inc. |
| Country | United States |
| Employees | 283 |
| CEO | Randall E. Black |
Stock Information
| Ticker Symbol | CZFS |
| Stock Exchange | US OTC |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Unique Identifier | OTCMKTS: CZFS |
Description
Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as offers assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. The company operates 30 offices in Tioga, Bradford, Potter, Clinton, Centre, Union, Lebanon, Lancaster, Schuylkill, and Berks Counties, Pennsylvania; Allegany County, New York; and New Castle and Kent Counties, Delaware. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.