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Citizens Financial Services, Inc. (CZFS)

Stock Price: $48.75 USD 0.00 (0.00%)
Updated Aug 6, 2020 4:00 PM EDT - End of day

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%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

Current: $48.75
Target: 59.41
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Revenue Growth6.9%9.56%9.08%17.38%1.8%0.47%-2.73%8.96%6.57%-
Gross Profit56.6552.9948.3744.3437.7837.1136.9437.9734.8532.70
Operating Income23.3121.4419.0615.6714.3516.9417.1318.5516.4414.66
Net Income19.4918.0313.0312.6411.6313.3913.3814.2212.8311.50
Shares Outstanding3.523.543.553.583.293.293.303.343.373.35
Earnings Per Share5.535.093.673.543.534.
EPS Growth8.64%38.69%3.82%0.17%-13.31%0.54%-4.77%11.69%12%-
Dividend Per Share1.781.731.671.651.611.551.211.561.141.08
Dividend Growth2.77%3.59%1.46%2.17%4.06%27.76%-22.23%37.17%5.76%-
Operating Cash Flow21.7721.4915.7416.1912.8116.1817.8214.8115.5612.82
Capital Expenditures-0.48-0.50-0.21-0.59-0.78-1.31-0.33-0.44-0.09-1.29
Free Cash Flow21.2920.9915.5315.6112.0414.8717.4914.3715.4711.52
Cash & Equivalents32.7832.3028.8024.7132.0817.3812.5626.3330.4344.00
Total Debt85.1291.1911579.6641.6341.8066.9346.1353.8856.00
Net Cash / Debt-52.34-58.90-85.86-54.95-9.55-24.42-54.37-19.79-23.45-12.00
Book Value15513912912312010192.0689.4881.4768.69
Numbers in millions USD, except per-share numbers.

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


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.