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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

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

Year2019201820172016201520142013201220112010
Revenue56.6552.9948.3744.3437.7837.1136.9437.9734.8532.70
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 Outstanding3.563.583.593.613.333.323.343.373.413.38
Earnings Per Share5.485.043.633.503.494.034.014.213.773.37
EPS Growth8.63%38.69%3.83%0.17%-13.3%0.52%-4.77%11.67%12%-
Dividend Per Share1.761.721.661.631.601.541.201.551.131.07
Dividend Growth2.8%3.62%1.41%2.19%4.1%27.7%-22.25%37.18%5.82%-
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
Assets1,4661,4311,3621,2231,163925915882879813
Liabilities1,3121,2911,2331,1001,043825823793797744
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 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.