Citizens Financial Services, Inc. (CZFS)

Stock Price: $47.00 USD 0.25 (0.54%)

Updated November 23, 2:53 PM EST - Market closed

Stock Price Chart

Key Info

Market Cap	184.33M
Revenue (ttm)	66.02M
Net Income (ttm)	22.92M
Shares Out	3.92M
EPS (ttm)	6.17
PE Ratio	7.62
Forward PE	7.33
Dividend	$1.84
Dividend Yield	3.91%

Stock Quote

Trading Day	November 23
Last Price	$47.00
Previous Close	$46.75
Change ($)	0.25
Change (%)	0.54%
Day's Open	47.00
Day's Range	47.00 - 47.00
Day's Volume	1,400
52-Week Range	35.001 - 65.4423

More Stats

Market Cap	184.33M
Enterprise Value	194.86M
Earnings Date (est)	Jan 28, 2021
Ex-Dividend Date	Sep 10, 2020
Shares Outstanding	3.92M
Float	3.25M
EPS (basic)	6.13
EPS (diluted)	6.17
FCF / Share	0.62

Dividend	$1.84
Dividend Yield	3.91%
Earnings Yield	13.13%
FCF Yield	1.33%
Payout Ratio	31.10%
Shares Short	n/a
Short Ratio	n/a
Short % of Float	n/a
Beta	0.48

PE Ratio	7.62
Forward PE	7.33
P/FCF Ratio	75.39
PS Ratio	2.79
PB Ratio	0.97
Revenue	66.02M
Operating Income	27.62M
Net Income	22.92M
Free Cash Flow	2.45M

Net Cash	-10.54M
Net Cash / Share	-2.69
Gross Margin	85.79%
Operating Margin	41.84%
Profit Margin	34.70%
FCF Margin	3.70%
ROA	1.38%
ROE	13.45%
ROIC	1.70%

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

Analyst Forecasts

Analyst Ratings (0)

Buy	0
Overweight	0
Hold	0
Underweight	0
Sell	0

What these ratings mean

Analyst Consensus: n/a

Price Target

$53.00*

(12.77% upside)

Low

46.0

Current: $47.00

High

60.0

Target: 53.00

*Average 12-month price target from 2 stock analysts.

Financial Performance

Financial numbers in millions USD.

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	3.56	3.58	3.59	3.61	3.33	3.32	3.34	3.37	3.41	3.38
Earnings Per Share	5.48	5.04	3.63	3.50	3.49	4.03	4.01	4.21	3.77	3.37
EPS Growth	8.63%	38.69%	3.83%	0.17%	-13.3%	0.52%	-4.77%	11.67%	12%	-
Dividend Per Share	1.76	1.72	1.66	1.63	1.60	1.54	1.20	1.55	1.13	1.07
Dividend Growth	2.8%	3.62%	1.41%	2.19%	4.1%	27.7%	-22.25%	37.18%	5.82%	-
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

Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name	Citizens Financial Services, Inc.
Country	United States
Employees	289
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 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.