CZFS - Citizens Financial Services, Inc. Stock Price, Fair Value and News

39.88USD-2.29 (-5.43%)Market Closed

Market Summary

USD39.88-2.29

Market Closed

-5.43%

CZFS Stock Price

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CZFS RSI Chart

CZFS Valuation

Market Cap

187.7M

Price/Earnings (Trailing)

10.54

Price/Sales (Trailing)

1.48

EV/EBITDA

4.42

Price/Free Cashflow

7.07

CZFS Price/Sales (Trailing)

CZFS Profitability

EBT Margin

16.93%

Return on Equity

6.37%

Return on Assets

0.6%

Free Cashflow Yield

14.14%

CZFS Fundamentals

CZFS Revenue

Revenue (TTM)

127.1M

Rev. Growth (Yr)

58.15%

Rev. Growth (Qtr)

4.97%

CZFS Earnings

Earnings (TTM)

17.8M

Earnings Growth (Yr)

-4.25%

Earnings Growth (Qtr)

-0.11%

Breaking Down CZFS Revenue

Last 7 days

-11.4%

Last 30 days

-13.1%

Last 90 days

-35.5%

Trailing 12 Months

-54.7%

How does CZFS drawdown profile look like?

CZFS Financial Health

Debt/Equity

1.15

Debt/Cashflow

0.08

CZFS Investor Care

Dividend Yield

4.86%

Dividend/Share (TTM)

1.94

Shares Dilution (1Y)

17.35%

Diluted EPS (TTM)

4.02

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
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

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Citizens Financial Services, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 18, 2024	kosa e gene	gifted	-	-	100	-
Mar 20, 2024	hilfiger janie m	acquired	-	-	98.00	-
Mar 20, 2024	freeman thomas e.	acquired	-	-	98.00	-
Mar 20, 2024	chappell robert w	acquired	-	-	98.00	-
Mar 20, 2024	landy r joseph	acquired	-	-	98.00	-
Mar 20, 2024	kosa e gene	acquired	-	-	98.00	-
Mar 20, 2024	kunes christopher w	acquired	-	-	98.00	-
Mar 20, 2024	graham roger c jr	acquired	-	-	98.00	-
Mar 20, 2024	depaola rinaldo a	acquired	-	-	98.00	-
Mar 20, 2024	schadler alletta m	acquired	-	-	98.00	-

Which funds bought or sold CZFS recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-3.94	-352,424	954,109	-%
Apr 24, 2024	NBT BANK N A /NY	unchanged	-	-18,437	58,450	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-65.48	-20,000	7,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	39,698	152,933	-%
Apr 19, 2024	WEATHERLY ASSET MANAGEMENT L. P.	unchanged	-	-149,861	475,076	0.05%
Apr 05, 2024	GAMMA Investing LLC	new	-	197	197	-%
Apr 05, 2024	CWM, LLC	new	-	-	-	-%
Mar 22, 2024	PNC FINANCIAL SERVICES GROUP, INC.	unchanged	-	54,851	211,309	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.97	3,784,180	14,187,500	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-0.37	31,332	121,997	-%

Are Funds Buying or Selling CZFS?

Are funds buying CZFS calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CZFS

No. of Funds

Unveiling Citizens Financial Services, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jan 29, 2024	blackrock inc.	6.0%	281,347	SC 13G

Recent SEC filings of Citizens Financial Services, Inc.

View All Filings

Date Filed	Form Type	Document
Apr 25, 2024	8-K	Current Report
Apr 19, 2024	4	Insider Trading
Apr 17, 2024	8-K	Current Report
Apr 16, 2024	8-K	Current Report
Mar 22, 2024	4	Insider Trading
Mar 22, 2024	4	Insider Trading
Mar 22, 2024	4	Insider Trading
Mar 22, 2024	4	Insider Trading
Mar 22, 2024	4	Insider Trading
Mar 22, 2024	4	Insider Trading

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	557.3B	171.1B	-3.02%	41.18%	11.25	3.26	60.72%	31.52%
BAC	297.7B	130.3B	-	30.88%	11.23	2.29	79.51%	-3.68%
WFC	214.3B	85.7B	3.98%	51.03%	11.19	2.5	41.49%	39.96%
C	119.7B	133.3B	-0.18%	34.65%	12.97	0.9	79.09%	-
CFG	16.1B	10.2B	-1.93%	16.75%	10.02	1.58	44.53%	-22.43%
KEY	13.7B	7.9B	-6.07%	34.16%	14.19	1.73	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-4.02%	25.94%	9.92	1.62	34.68%	-45.96%
ZION	6.2B	3.9B	-3.20%	57.15%	9.1	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	-0.60%	41.74%	12.27	2.58	43.24%	-22.35%
ASB	3.3B	2.0B	1.46%	20.10%	17.81	1.66	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	400.7M	164.9M	-6.54%	37.44%	34.26	2.43	42.66%	-70.76%
AROW	378.6M	162.6M	-8.08%	4.96%	12.59	2.33	25.39%	-38.37%
ACNB	280.5M	96.6M	-10.60%	4.96%	8.85	2.9	11.02%	-11.37%
ASRV	45.1M	60.9M	-2.95%	-12.04%	-13.48	0.74	24.06%	-144.92%

Citizens Financial Services, Inc. News

Latest updates

Citizens Financial Services, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	5.0%	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	15.00
EBITDA Margin	-9.1%	0.81*	0.89*	0.99*	1.22*	1.30*	1.36*	1.38*	1.38*	1.40*	1.40*	1.42*	1.39*	1.33*	-	-	-	-	-	-	-	-
Interest Expenses	-2.5%	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	12.00
Income Taxes	5.3%	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	1.00
Earnings Before Taxes	0.8%	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	5.00
EBT Margin	-13.1%	0.17*	0.19*	0.22*	0.39*	0.43*	0.44*	0.46*	0.46*	0.48*	0.49*	0.50*	0.48*	0.43*	-	-	-	-	-	-	-	-
Net Income	-0.1%	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	5.00
Net Income Margin	-12.8%	0.14*	0.16*	0.19*	0.32*	0.35*	0.36*	0.37*	0.38*	0.40*	0.40*	0.41*	0.40*	0.36*	-	-	-	-	-	-	-	-
Free Cashflow	118.2%	16.00	7.00	-7.57	10.00	9.00	9.00	3.00	12.00	6.00	11.00	8.00	14.00	14.00	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	0.5%	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	1,431
Cash Equivalents	21.9%	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	17.00
Net PPE	-0.2%	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	16.00
Goodwill	1.2%	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	23.00
Liabilities	0.0%	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	1,291
Long Term Debt	1.9%	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	91.00
Shareholder's Equity	6.5%	280	263	263	213	200	191	195	203	212	209	204	199	194	189	183	160	155	152	148	143	139
Retained Earnings	3.1%	173	168	162	172	165	159	153	151	146	141	136	133	127	121	115	113	111	107	104	103	100
Additional Paid-In Capital	0.0%	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	53.00
Shares Outstanding	-6.8%	4.00	5.00	4.00	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 (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	118.2%	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	6,553
Cashflow From Investing	105.1%	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	-19,740
Cashflow From Financing	-116.2%	-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	13,484
Dividend Payments	0%	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	1,542
Buy Backs	-99.6%	1.00	264	-	-	-	-	1,271	8.00	480	45.00	336	513	2.00	618	223	1,279	55.00	-	906	330	77.00

CZFS Income Statement

2023-12-31

Consolidated Statement of Income - USD ($) $ in Thousands	12 Months Ended
Consolidated Statement of Income - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
INTEREST AND DIVIDEND INCOME:
Interest and fees on loans	$ 116,075	$ 74,265	$ 66,371
Interest-bearing deposits with banks	736	400	447
Investment securities:
Taxable	6,636	5,615	3,820
Nontaxable	2,264	2,454	2,201
Dividends	1,407	623	378
TOTAL INTEREST AND DIVIDEND INCOME	127,118	83,357	73,217
INTEREST EXPENSE:
Deposits	31,699	7,316	5,837
Borrowed funds	15,159	3,907	1,268
TOTAL INTEREST EXPENSE	46,858	11,223	7,105
NET INTEREST INCOME	80,260	72,134	66,112
Provision for credit losses	937	1,683	1,550
Provision for credit losses - acquisition day 1 non-PCD	4,591	0	0
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES	74,732	70,451	64,562
NON-INTEREST INCOME:
Service charges	5,639	5,346	4,755
Trust	764	803	865
Brokerage and insurance	1,924	1,895	1,625
Equity security (losses) gains, net	(144)	(247)	339
Available for sale security (losses) gains, net	(51)	(14)	212
Gains on loans sold	1,452	258	1,283
Earnings on bank owned life insurance	1,254	852	1,828
Other	767	845	1,398
TOTAL NON-INTEREST INCOME	11,605	9,738	12,305
NON-INTEREST EXPENSES:
Salaries and employee benefits	34,990	27,837	25,902
Occupancy	4,123	3,138	2,966
Furniture and equipment	822	565	519
Professional fees	1,962	1,641	1,526
Federal depository insurance	1,475	676	522
Pennsylvania shares tax	583	907	880
Amortization of intangibles	373	156	192
Merger and acquisition	9,269	292	0
ORE expenses	166	17	439
Software expenses	1,784	1,446	1,321
Other	9,275	8,019	7,283
TOTAL NON-INTEREST EXPENSES	64,822	44,694	41,550
Income before provision for income taxes	21,515	35,495	35,317
Provision for income taxes	3,704	6,435	6,199
NET INCOME	$ 17,811	$ 29,060	$ 29,118
PER COMMON SHARE DATA:
EARNINGS PER SHARE - BASIC (in dollars per share)	$ 4.06	$ 7.25	$ 7.24
EARNINGS PER SHARE - DILUTED (in dollars per share)	4.06	7.25	7.24
CASH DIVIDENDS PER SHARE (in dollars per share)	$ 1.94	$ 1.88	$ 1.83
Number of shares used in computation - basic (in shares)	4,382,573	4,008,931	4,023,294
Number of shares used in computation - diluted (in shares)	4,382,573	4,008,931	4,023,294

CZFS Balance Sheet

2023-12-31

Consolidated Balance Sheet - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Cash and cash equivalents:
Noninterest-bearing	$ 37,733	$ 24,814
Interest-bearing	15,085	1,397
Total cash and cash equivalents	52,818	26,211
Interest bearing time deposits with other banks	4,070	6,055
Equity securities	1,938	2,208
Available-for-sale securities (net of allowance for credit losses of $0 for 2023)	417,601	439,506
Loans held for sale	9,379	725
Loans (net of allowance for credit losses: 2023, $21,153; 2022, $18,552)	2,227,683	1,706,447
Premises and equipment	21,384	17,619
Accrued interest receivable	11,043	7,332
Goodwill	85,758	31,376
Bank owned life insurance	49,897	39,355
Other intangibles	3,650	1,272
Fair value of derivative instruments - asset	13,687	16,599
Deferred tax asset	17,339	12,886
Other assets	59,074	25,802
TOTAL ASSETS	2,975,321	2,333,393
Deposits:
Noninterest-bearing	523,784	396,260
Interest-bearing	1,797,697	1,447,948
Total deposits	2,321,481	1,844,208
Borrowed funds	322,036	257,278
Accrued interest payable	4,298	1,232
Fair value of derivative instruments - liability	7,922	9,726
Other liabilities	39,918	20,802
TOTAL LIABILITIES	2,695,655	2,133,246
STOCKHOLDERS' EQUITY:
Preferred Stock $1.00 par value; authorized 3,000,000 shares 2023 and 2022; none issued in 2023 or 2022	0	0
Common Stock $1.00 par value; authorized 25,000,000 shares 2023 and 2022; issued 5,160,754 and 4,427,687 shares in 2023 and 2022, respectively	5,161	4,428
Additional paid-in capital	143,233	80,911
Retained earnings	172,975	164,922
Accumulated other comprehensive loss	(24,911)	(33,141)
Treasury stock, at cost: 453,760 and 456,478 shares for 2023 and 2022, respectively	(16,792)	(16,973)
TOTAL STOCKHOLDERS' EQUITY	279,666	200,147
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,975,321	$ 2,333,393

About Citizens Financial Services, Inc.

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 provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

CEO	Mr. Randall E. Black
WEBSITE	firstcitizensbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	317

Citizens Financial Services, Inc. Frequently Asked Questions

What is the ticker symbol for Citizens Financial Services, Inc.? What does CZFS stand for in stocks?

CZFS is the stock ticker symbol of Citizens Financial Services, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Citizens Financial Services, Inc. (CZFS)?

As of Fri Apr 26 2024, market cap of Citizens Financial Services, Inc. is 187.71 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CZFS stock?

You can check CZFS's fair value in chart for subscribers.

What is the fair value of CZFS stock?

You can check CZFS's fair value in chart for subscribers. The fair value of Citizens Financial Services, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Citizens Financial Services, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CZFS so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Citizens Financial Services, Inc. a good stock to buy?

The fair value guage provides a quick view whether CZFS is over valued or under valued. Whether Citizens Financial Services, Inc. is cheap or expensive depends on the assumptions which impact Citizens Financial Services, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CZFS.

What is Citizens Financial Services, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Apr 26 2024, CZFS's PE ratio (Price to Earnings) is 10.54 and Price to Sales (PS) ratio is 1.48. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CZFS PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Citizens Financial Services, Inc.'s stock?

In the past 10 years, Citizens Financial Services, Inc. has provided -0.016 (multiply by 100 for percentage) rate of return.