CZFS RSI Chart
Last 7 days
-10.8%
Last 30 days
-3.9%
Last 90 days
-13.2%
Trailing 12 Months
-46.9%
Historical Charts for Stock Metrics
Year | Q1 | Q2 | Q3 | Q4 |
---|---|---|---|---|
2024 | 139.9M | 0 | 0 | 0 |
2023 | 90.6M | 98.1M | 113.0M | 127.1M |
2022 | 72.7M | 74.1M | 77.5M | 83.4M |
2021 | 73.3M | 73.2M | 73.1M | 73.2M |
2020 | 62.3M | 65.0M | 67.5M | 70.3M |
2019 | 58.4M | 59.9M | 61.5M | 62.0M |
2018 | 50.2M | 52.4M | 54.6M | 56.8M |
2017 | 43.8M | 45.2M | 46.4M | 48.1M |
2016 | 37.3M | 39.0M | 41.1M | 43.0M |
2015 | 35.3M | 35.2M | 35.2M | 35.7M |
2014 | 36.0M | 36.0M | 35.5M | 35.3M |
2013 | 37.4M | 36.8M | 36.6M | 36.2M |
2012 | 38.5M | 38.5M | 38.4M | 38.1M |
2011 | 38.7M | 38.5M | 38.4M | 38.3M |
2010 | 0 | 38.7M | 38.9M | 39.0M |
2009 | 0 | 0 | 0 | 38.6M |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
May 09, 2024 | landy r joseph | gifted | - | - | -40.00 | - |
Apr 30, 2024 | guillaume stephen j | bought | 12,000 | 40.00 | 300 | executive vice president |
Apr 18, 2024 | kosa e gene | gifted | - | - | 100 | - |
Mar 20, 2024 | landy r joseph | acquired | - | - | 98.00 | - |
Mar 20, 2024 | kunes christopher w | acquired | - | - | 98.00 | - |
Mar 20, 2024 | freeman thomas e. | acquired | - | - | 98.00 | - |
Mar 20, 2024 | chappell robert w | acquired | - | - | 98.00 | - |
Mar 20, 2024 | schadler alletta m | acquired | - | - | 98.00 | - |
Mar 20, 2024 | kosa e gene | acquired | - | - | 98.00 | - |
Mar 20, 2024 | hilfiger janie m | acquired | - | - | 98.00 | - |
Which funds bought or sold CZFS recently?
View All DetailsDatesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
May 16, 2024 | CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | reduced | -38.94 | -21,640 | 18,745 | -% |
May 15, 2024 | BANK OF AMERICA CORP /DE/ | reduced | -65.68 | -274,714 | 96,973 | -% |
May 15, 2024 | Stone House Investment Management, LLC | new | - | 31,537 | 31,537 | 0.01% |
May 15, 2024 | Tower Research Capital LLC (TRC) | added | 45.45 | 2,560 | 26,765 | -% |
May 15, 2024 | MILLENNIUM MANAGEMENT LLC | new | - | 406,884 | 406,884 | -% |
May 15, 2024 | NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO | sold off | -100 | -37,732 | - | -% |
May 15, 2024 | BRIDGEWAY CAPITAL MANAGEMENT, LLC | sold off | -100 | -250,531 | - | -% |
May 15, 2024 | Royal Bank of Canada | reduced | -27.12 | -111,000 | 138,000 | -% |
May 15, 2024 | CITADEL ADVISORS LLC | added | 51.12 | 49,689 | 383,514 | -% |
May 15, 2024 | BARCLAYS PLC | reduced | -49.78 | -208,000 | 129,000 | -% |
Unveiling Citizens Financial Services, Inc.'s Major ShareHolders
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
Date Filed | Form Type | Document | |
---|---|---|---|
Peers (Alternatives to Citizens Financial Services, Inc.)
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
JPM | 588.1B | 174.7B | 11.68 | 3.37 | ||||
BAC | 307.4B | 137.9B | 12.28 | 2.23 | ||||
WFC | 213.0B | 85.8B | 11.35 | 2.48 | ||||
C | 122.2B | 125.0B | 15.29 | 0.98 | ||||
CFG | 16.9B | 10.4B | 11.81 | 1.62 | ||||
KEY | 14.5B | 8.1B | 16.61 | 1.78 | ||||
MID-CAP | ||||||||
CMA | 7.3B | 4.2B | 10.46 | 1.71 | ||||
ZION | 6.6B | 4.1B | 10.55 | 1.63 | ||||
ABCB | 3.5B | 1.3B | 12.32 | 2.65 | ||||
ASB | 3.4B | 2.0B | 20.88 | 1.65 | ||||
SMALL-CAP | ||||||||
AMNB | 497.6M | 120.2M | 19.02 | 4.14 | ||||
AROW | 417.1M | 173.1M | 14.3 | 2.41 | ||||
ALRS | 390.4M | 152.4M | 39.27 | 2.56 | ||||
ACNB | 295.5M | 98.7M | 10.04 | 2.99 | ||||
ASRV | 48.0M | 62.5M | -16.24 | 0.77 |
Citizens Financial Services, Inc. News
Income Statement (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2024Q1 | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 |
Revenue | -1.5% | 38.00 | 39.00 | 37.00 | 27.00 | 25.00 | 24.00 | 22.00 | 19.00 | 18.00 | 19.00 | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 | 18.00 | 15.00 | 16.00 | 16.00 | 16.00 | 15.00 |
EBITDA Margin | -6.4% | 0.76* | 0.81* | 0.89* | 0.99* | 1.22* | 1.30* | 1.36* | 1.38* | 1.38* | 1.40* | 1.40* | 1.42* | 1.39* | - | - | - | - | - | - | - | - |
Interest Expenses | -4.1% | 21.00 | 22.00 | 22.00 | 18.00 | 18.00 | 19.00 | 19.00 | 18.00 | 16.00 | 17.00 | 17.00 | 16.00 | 16.00 | 17.00 | 16.00 | 16.00 | 13.00 | 13.00 | 13.00 | 12.00 | 12.00 |
Income Taxes | -12.3% | 1.00 | 2.00 | 2.00 | -1.19 | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 | 2.00 | 2.00 | 1.00 | 2.00 | 2.00 | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
Earnings Before Taxes | -7.8% | 9.00 | 9.00 | 9.00 | -5.33 | 8.00 | 10.00 | 9.00 | 8.00 | 8.00 | 8.00 | 9.00 | 8.00 | 10.00 | 9.00 | 10.00 | 6.00 | 5.00 | 6.00 | 6.00 | 6.00 | 5.00 |
EBT Margin | -9.1% | 0.15* | 0.17* | 0.19* | 0.22* | 0.39* | 0.43* | 0.44* | 0.46* | 0.46* | 0.48* | 0.49* | 0.50* | 0.48* | - | - | - | - | - | - | - | - |
Net Income | -6.8% | 7.00 | 8.00 | 8.00 | -4.14 | 7.00 | 8.00 | 8.00 | 7.00 | 7.00 | 7.00 | 7.00 | 7.00 | 8.00 | 7.00 | 8.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 4.00 |
Net Income Margin | -8.4% | 0.13* | 0.14* | 0.16* | 0.19* | 0.32* | 0.35* | 0.36* | 0.37* | 0.38* | 0.40* | 0.40* | 0.41* | 0.40* | - | - | - | - | - | - | - | - |
Free Cashflow | -17.0% | 13.00 | 16.00 | 7.00 | -7.57 | 10.00 | 9.00 | 9.00 | 3.00 | 12.00 | 6.00 | 11.00 | 8.00 | 14.00 | - | - | - | - | - | - | - | - |
Balance Sheet | ||||||||||||||||||||||
Description | (%) Q/Q | 2024Q1 | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 |
Assets | -1.8% | 2,921 | 2,975 | 2,959 | 2,892 | 2,335 | 2,333 | 2,350 | 2,213 | 2,178 | 2,144 | 2,047 | 2,003 | 1,996 | 1,892 | 1,858 | 1,800 | 1,465 | 1,466 | 1,475 | 1,447 | 1,448 |
Cash Equivalents | -43.9% | 30.00 | 53.00 | 43.00 | 45.00 | 26.00 | 26.00 | 23.00 | 21.00 | 114 | 173 | 102 | 108 | 151 | 69.00 | 75.00 | 39.00 | 22.00 | 19.00 | 20.00 | 16.00 | 18.00 |
Net PPE | -1.4% | 21.00 | 21.00 | 21.00 | 21.00 | 18.00 | 18.00 | 17.00 | 17.00 | 17.00 | 17.00 | 17.00 | 17.00 | 17.00 | 17.00 | 18.00 | 18.00 | 16.00 | 16.00 | 16.00 | 16.00 | 16.00 |
Goodwill | 0% | 86.00 | 86.00 | 85.00 | 54.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 31.00 | 23.00 | - | 23.00 | 23.00 | 23.00 |
Liabilities | -2.1% | 2,638 | 2,696 | 2,697 | 2,629 | 2,122 | 2,133 | 2,158 | 2,018 | 1,975 | 1,931 | 1,838 | 1,799 | 1,797 | 1,697 | 1,669 | 1,617 | 1,305 | 1,312 | 1,323 | 1,299 | 1,305 |
Long Term Debt | -11.9% | 284 | 322 | 316 | 318 | 288 | 257 | 259 | 111 | 68.00 | 74.00 | 78.00 | 98.00 | 86.00 | 89.00 | 100 | 85.00 | 84.00 | 85.00 | 110 | 101 | 108 |
Shareholder's Equity | 1.1% | 283 | 280 | 263 | 263 | 213 | 200 | 191 | 195 | 203 | 212 | 209 | 204 | 199 | 194 | 189 | 183 | 160 | 155 | 152 | 148 | 143 |
Retained Earnings | 2.7% | 178 | 173 | 168 | 162 | 172 | 165 | 159 | 153 | 151 | 146 | 141 | 136 | 133 | 127 | 121 | 115 | 113 | 111 | 107 | 104 | 103 |
Additional Paid-In Capital | 0.0% | 143 | 143 | 143 | 143 | 81.00 | 81.00 | 81.00 | 81.00 | 78.00 | 78.00 | 78.00 | 78.00 | 76.00 | 76.00 | 76.00 | 76.00 | 55.00 | 55.00 | 55.00 | 55.00 | 53.00 |
Shares Outstanding | 7.3% | 5.00 | 4.00 | 5.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | 4.00 | - | - | - | - | - | - | - | - | - |
Float | - | - | - | - | 331 | - | - | - | 261 | - | - | - | 221 | - | - | - | 173 | - | - | - | 187 | - |
Cashflow (Quarterly) | ||||||||||||||||||||||
Description | (%) Q/Q | 2024Q1 | 2023Q4 | 2023Q3 | 2023Q2 | 2023Q1 | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 | 2021Q3 | 2021Q2 | 2021Q1 | 2020Q4 | 2020Q3 | 2020Q2 | 2020Q1 | 2019Q4 | 2019Q3 | 2019Q2 | 2019Q1 |
Cashflow From Operations | -17.0% | 13,456 | 16,208 | 7,428 | -7,507 | 10,408 | 8,902 | 9,266 | 3,028 | 12,044 | 6,315 | 10,655 | 7,758 | 13,965 | 14,190 | 3,338 | -10,439 | 4,733 | 5,946 | 5,503 | 5,561 | 4,757 |
Cashflow From Investing | 527.5% | 23,111 | 3,683 | -72,910 | 123,469 | 5,223 | 22,217 | -143,302 | -135,313 | -106,054 | -24,074 | -53,924 | -54,778 | -25,456 | -44,561 | -19,170 | -56,029 | 9,026 | 7,152 | -24,916 | 840 | -15,399 |
Cashflow From Financing | -474.2% | -59,766 | -10,409 | 64,109 | -97,426 | -15,669 | -28,056 | 136,512 | 38,842 | 35,292 | 88,621 | 37,046 | 4,386 | 93,612 | 23,769 | 52,111 | 83,977 | -10,758 | -14,664 | 23,030 | -7,766 | 11,679 |
Dividend Payments | 0% | 2,306 | 2,306 | 2,306 | 1,965 | 1,926 | 1,906 | 1,906 | 1,902 | 1,874 | 1,854 | 1,858 | 1,851 | 1,820 | 1,803 | 1,541 | 1,238 | 1,957 | 1,585 | 1,587 | 1,585 | 1,558 |
Buy Backs | 4400.0% | 45.00 | 1.00 | 264 | - | - | - | - | 1,271 | 8.00 | 480 | 45.00 | 336 | 513 | 2.00 | 618 | 223 | 1,279 | 55.00 | - | 906 | 330 |
CONSOLIDATED STATEMENT OF INCOME - USD ($) $ in Thousands | 3 Months Ended | |
---|---|---|
Mar. 31, 2024 | Mar. 31, 2023 | |
INTEREST INCOME: | ||
Interest and fees on loans | $ 35,133 | $ 22,549 |
Interest-bearing deposits with banks | 243 | 71 |
Investment securities: | ||
Taxable | 1,624 | 1,556 |
Nontaxable | 532 | 617 |
Dividends | 401 | 314 |
TOTAL INTEREST INCOME | 37,933 | 25,107 |
INTEREST EXPENSE: | ||
Deposits | 12,321 | 3,939 |
Borrowed funds | 4,654 | 3,088 |
TOTAL INTEREST EXPENSE | 16,975 | 7,027 |
NET INTEREST INCOME | 20,958 | 18,080 |
Provision for credit losses | 785 | 0 |
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES | 20,173 | 18,080 |
NON-INTEREST INCOME: | ||
Service charges | 1,372 | 1,211 |
Trust | 244 | 230 |
Brokerage and insurance | 665 | 514 |
Gains on loans sold | 417 | 45 |
Equity security gains (losses), net | 55 | (218) |
Gain on sale of Braavo division | 1,102 | 0 |
Earnings on bank owned life insurance | 668 | 218 |
Other | 448 | 174 |
TOTAL NON-INTEREST INCOME | 4,971 | 2,174 |
NON-INTEREST EXPENSES: | ||
Salaries and employee benefits | 10,290 | 7,677 |
Occupancy | 1,324 | 835 |
Furniture and equipment | 236 | 151 |
Professional fees | 703 | 381 |
FDIC insurance | 525 | 300 |
Pennsylvania shares tax | 310 | 298 |
Amortization of intangibles | 149 | 31 |
Merger and acquisition | 0 | 244 |
Software expenses | 514 | 351 |
ORE (income) expenses | (13) | 26 |
Other | 2,605 | 1,484 |
TOTAL NON-INTEREST EXPENSES | 16,643 | 11,778 |
Income before provision for income taxes | 8,501 | 8,476 |
Provision for income taxes | 1,477 | 1,609 |
NET INCOME | $ 7,024 | $ 6,867 |
PER COMMON SHARE DATA: | ||
Net Income - Basic (in dollars per share) | $ 1.49 | $ 1.71 |
Net Income - Diluted (in dollars per share) | 1.49 | 1.71 |
Cash Dividends Paid (in dollars per share) | $ 0.49 | $ 0.48 |
Number of shares used in computation - basic (in shares) | 4,701,853 | 4,005,370 |
Number of shares used in computation - diluted (in shares) | 4,701,853 | 4,005,375 |
CONSOLIDATED BALANCE SHEET - USD ($) $ in Thousands | Mar. 31, 2024 | Dec. 31, 2023 | ||
---|---|---|---|---|
Cash and due from banks: | ||||
Noninterest-bearing | $ 14,047 | $ 37,733 | ||
Interest-bearing | 15,572 | 15,085 | ||
Total cash and cash equivalents | 29,619 | 52,818 | ||
Interest bearing time deposits with other banks | 3,820 | 4,070 | ||
Equity securities | 1,658 | 1,938 | ||
Available-for-sale securities | 404,865 | 417,601 | ||
Loans held for sale | 8,346 | 9,379 | ||
Loans (net of allowance for credit losses: 2024 $21,598 and 2023, $21,153) | 2,218,061 | 2,227,683 | ||
Premises and equipment | 21,083 | 21,384 | ||
Accrued interest receivable | 10,596 | 11,043 | ||
Goodwill | [1] | 85,758 | 85,758 | |
Bank owned life insurance | 49,418 | 49,897 | ||
Other intangibles | 3,450 | 3,650 | ||
Fair value of derivative instruments | 14,857 | 13,687 | ||
Deferred tax asset | 17,672 | 17,339 | ||
Other assets | 51,900 | 59,074 | ||
TOTAL ASSETS | 2,921,103 | 2,975,321 | ||
Deposits: | ||||
Noninterest-bearing | 523,844 | 523,784 | ||
Interest-bearing | 1,779,037 | 1,797,697 | ||
Total deposits | 2,302,881 | 2,321,481 | ||
Borrowed funds | 283,565 | 322,036 | ||
Accrued interest payable | 4,123 | 4,298 | ||
Fair value of derivative instruments - liability | 8,698 | 7,922 | ||
Other liabilities | 39,162 | 39,918 | ||
TOTAL LIABILITIES | 2,638,429 | 2,695,655 | ||
STOCKHOLDERS' EQUITY: | ||||
Preferred Stock $1.00 par value; authorized 3,000,000 shares at March 31, 2024 and December 31, 2023; none issued in 2024 or 2023 | 0 | 0 | ||
Common stock $1.00 par value; authorized 25,000,000 shares at March 31, 2024 and December 31, 2022; issued 5,160,754 at March 31, 2024 and December 31, 2023 | 5,161 | 5,161 | ||
Additional paid-in capital | 143,227 | 143,233 | ||
Retained earnings | 177,693 | 172,975 | ||
Accumulated other comprehensive loss | (26,620) | (24,911) | ||
Treasury stock, at cost: 453,763 shares at March 31, 2024 and 453,760 shares at December 31, 2023 | (16,787) | (16,792) | ||
TOTAL STOCKHOLDERS' EQUITY | 282,674 | 279,666 | ||
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | $ 2,921,103 | $ 2,975,321 | ||
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