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XNASCZFS
Market cap285mUSD
Jan 16, Last price  
59.97USD
1D
-4.78%
1Q
-2.42%
Jan 2017
19.99%
Name

Citizens Financial Services Inc

Chart & Performance

D1W1MN
XNAS:CZFS chart
P/E
16.03
P/S
3.31
EPS
3.74
Div Yield, %
2.98%
Shrs. gr., 5y
3.51%
Rev. gr., 5y
9.47%
Revenues
86m
+5.45%
21,663,00022,387,00022,614,00024,187,00024,336,00031,231,00033,670,00035,639,00038,263,00037,188,00037,694,00038,256,00045,863,00050,910,00054,919,00058,326,00073,613,00078,417,00081,872,00086,337,000
Net income
18m
-38.71%
5,267,0005,274,0005,800,0006,736,0006,905,0009,864,00011,502,00012,832,00014,215,00013,375,00013,385,00011,626,00012,638,00013,025,00018,034,00019,490,00025,103,00029,118,00029,060,00017,811,000
CFO
27m
-20.17%
7,167,0007,815,0007,015,0008,069,00010,357,0009,926,00012,816,00015,564,00014,811,00017,817,00016,178,00012,811,00016,194,00015,739,00021,486,00021,767,00011,822,00038,693,00033,240,00026,537,000
Dividend
Sep 13, 20240.49 USD/sh
Earnings
Jan 28, 2025

Profile

Citizens Financial Services, Inc. operates as the bank 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 assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
URL
https://www.firstcitizensbank.com/about-us/investor-relations/corporate-profile.html
IPO date
Oct 27, 1993
Employees
317
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
86,337
5.45%
81,872
4.41%
Cost of revenue
36,465
28,513
Unusual Expense (Income)
NOPBT
49,872
53,359
NOPBT Margin
57.76%
65.17%
Operating Taxes
3,704
6,435
Tax Rate
7.43%
12.06%
NOPAT
46,168
46,924
Net income
17,811
-38.71%
29,060
-0.20%
Dividends
(8,503)
(7,588)
Dividend yield
3.00%
2.47%
Proceeds from repurchase of equity
(265)
(1,167)
BB yield
0.09%
0.38%
Debt
Debt current
230,733
Long-term debt
331,439
261,447
Deferred revenue
(6,537)
Other long-term liabilities
2,368,746
(256,046)
Net debt
(558,519)
(421,306)
Cash flow
Cash from operating activities
26,537
33,240
CAPEX
(2,617)
(1,634)
Cash from investing activities
59,465
(362,452)
Cash from financing activities
(59,395)
182,590
FCF
257,077
(138,718)
Balance
Cash
470,419
471,772
Long term investments
419,539
441,714
Excess cash
885,641
909,392
Stockholders' equity
153,225
136,209
Invested Capital
2,822,096
2,420,148
ROIC
1.76%
2.10%
ROCE
1.68%
2.08%
EV
Common stock shares outstanding
4,383
4,009
Price
64.72
-15.64%
76.72
26.41%
Market cap
283,640
-7.79%
307,603
25.94%
EV
(274,879)
(113,703)
EBITDA
51,392
54,392
EV/EBITDA
Interest
46,858
11,223
Interest/NOPBT
93.96%
21.03%