CZFS logo

CZFS

Profile

Full Name

Citizens Financial Services, Inc.

Ticker Symbol

CZFS

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

January 4, 1999

Indexes

Not included

Website

http://www.firstcitizensbank.com

Employees

383

Key Details

Price

$53.50(-2.01%)

Market cap

$254.63M(Small cap)

Last Dividend

$0.49

TTM Dividend yield

3.67%

Annual revenue

$100.75M(+9.68% YoY)

Annual EPS

$5.85(+45.52% YoY)

PE ratio

9.14

Next earnings date

Apr 25, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$53.50
CZFS price is $53.50

30-Day Relative Volume

1.64
CZFS 30-day relative volume is 1.64

Price Performance

Price Most recent change

-2.01%
CZFS price was down -2.01% on Apr 14, 2025

Price YTD change

-15.5%
CZFS price is down -15.5% since January 1st

Price 1-year change

+21.29%
CZFS price is up +21.29% year-on-year

Price 3-year change

-19.53%
CZFS price is down -19.53% over the past 3 years

Price Range

Price All-time high

$92.00
CZFS price is currently -41.85% below its historical high of $92.00

Price 3-year low

$38.91
CZFS price is currently +37.50% above its 3-year low

Capitalization

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Market cap

Market cap

$254.63M
CZFS market capitalization is $254.63 million

Market cap 3-year change

-5.76%
CZFS market capitalization is down -5.76% over the past 3 years

Market cap All-time high

$410.28M
CZFS market capitalization is currently -37.94% below its historical high of $410.28 million

Market cap sector rank

38.09%
CZFS market capitalization is higher than 38.09% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

+0.11%
CZFS shares outstanding is up +0.11% year-on-year

Shares Outstanding 3-Year Change

+17.12%
CZFS shares outstanding is up +17.12% over the past 3 years

Technical Indicators

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Beta

1.09
CZFS beta is 1.09

200-day SMA

$58.14
CZFS price is currently -7.99% below its 200-day simple moving average

50-day SMA

$59.12
CZFS price is currently -9.51% below its 50-day simple moving average

RSI

40.42
CZFS 14-day relative strength index is 40.42

Volume

1.64
CZFS 30-day relative volume is 1.64

ATR

$3.44
CZFS average true range is $3.44

10-day Historical Volatility

63.20%
CZFS 10-day historical volatility is 63.20%

Dividend

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Events

Last Paid Dividend

$0.49
CZFS last dividend was $0.49 per share, with an ex-dividend date of March 14, 2025

Next Dividend

-
CZFS next dividend has not yet been announced

Dividend per share

Dividend per share

$1.95
CZFS annual dividend per share is $1.95

Dividend per share Sector Rank

84.55%
CZFS annual dividend per share is higher than 84.55% of companies in Financial Services sector

Dividend per share 1-Year Change

+1.27%
CZFS annual dividend per share is up +1.27% year-on-year

Dividend per share 3-Year Change

+7.71%
CZFS annual dividend per share is up +7.71% over the past 3 years

Dividend yield

Dividend yield

3.65%
CZFS annual dividend yield is 3.65%

Dividend yield Sector Rank

36.44%
CZFS annual dividend yield is higher than 36.44% of companies in Financial Services sector

Other

Payout ratio

33.44%
CZFS annual payout ratio is 33.44%

Dividends paid

$9.30M
CZFS annual dividends paid is $9.30 million

Free cash flow

$31.87M
CZFS annual free cash flow is $31.87 million

Income Statement

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Revenue

Revenue

$100.75M
CZFS annual revenue is $100.75 million

Revenue Analysts estimate

-
CZFS annual revenue consensus analysts' forecast is unknown

Revenue 1-year change

+9.68%
CZFS annual revenue is up +9.68% year-on-year

Revenue Sector rank

45.91%
CZFS annual revenue is higher than 45.91% of companies in Financial Services sector

EPS

EPS

$5.85
CZFS annual earnings per share is $5.85

EPS Analysts estimate

$6.40
CZFS annual earnings per share is currently -8.59% lower than the consensus analysts' forecast

EPS 1-year change

+45.52%
CZFS annual earnings per share is up +45.52% year-on-year

EPS Sector rank

85.76%
CZFS annual earnings per share is higher than 85.76% of companies in Financial Services sector

Profit

Gross profit

-
CZFS annual gross profit value is unknown

Gross margin

-
CZFS annual gross profit margin value is unknown

Operating profit

-
CZFS annual operating income value is unknown

Operating margin

-
CZFS annual operating profit margin value is unknown

Net income

$27.82M
CZFS annual net profit is $27.82 million

Net margin

27.61%
CZFS annual net profit margin is 27.61%

Expenses

Total expenses

-
CZFS annual total expenses value is unknown

Operating expenses

$43.01M
CZFS annual total operating expenses is $43.01 million

Cost of goods sold

-
CZFS annual cost of goods sold value is unknown

Selling, general & administrative expenses

$41.34M
CZFS annual SGA is $41.34 million

Depreciation and amortization

$1.81M
CZFS annual depreciation & amortization is $1.81 million

Interest expense

-
CZFS annual interest expense value is unknown

Income tax

$5.87M
CZFS annual income tax is $5.87 million

EBIT & EBITDA

EBIT

$101.55M
CZFS annual earnings before interest & taxes is $101.55 million

EBITDA

$103.35M
CZFS annual EBITDA is $103.35 million

Balance Sheet

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Assets

Total assets

$3.03B
CZFS annual total assets is $3.03 billion

Non current assets

$2.89B
CZFS annual long term assets is $2.89 billion

Current assets

$492.61M
CZFS annual total current assets is $492.61 million

Cash and cash equivalents

$46.02M
CZFS annual cash & cash equivalents is $46.02 million

Accounts receivable

$10.31M
CZFS annual accounts receivable is $10.31 million

Inventory

-
CZFS annual inventory value is unknown

Liabilities

Total liabilities

$2.73B
CZFS annual total liabilities is $2.73 billion

Long term liabilities

$2.69B
CZFS annual total long term liabilities is $2.69 billion

Current liabilities

$4.69M
CZFS annual total current liabilities is $4.69 million

Accounts payable

$4.69M
CZFS annual accounts payable is $4.69 million

Debt

Total debt

$305.29M
CZFS annual total debt is $305.29 million

Total debt 1-year change

-8.76%
CZFS annual total debt is down -8.76% year-on-year

Long term debt

$297.72M
CZFS annual long term debt is $297.72 million

Short term debt

$7.57M
CZFS annual short term debt is $7.57 million

Equity & Capital

Shareholders equity

$299.73M
CZFS annual stockholders equity is $299.73 million

Book value

$299.73M
CZFS annual book value is $299.73 million

Retained earnings

$189.44M
CZFS annual retained earnings is $189.44 million

Working capital

$487.92M
CZFS annual working capital is $487.92 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$33.18M
CZFS annual cash flow from operations is $33.18 million

Cash from operations 1-year change

+25.04%
CZFS annual cash flow from operations is up +25.04% year-on-year

Cash from investing

-$69.07M
CZFS annual cash flow from investing activities is -$69.07 million

Cash from investing 1-year change

-216.16%
CZFS annual cash flow from investing activities is down -216.16% year-on-year

Cash from financing

$25.27M
CZFS annual cash flow from financing activities is $25.27 million

Cash from financing 1-year change

+142.55%
CZFS annual cash flow from financing activities is up +142.55% year-on-year

CAPEX

CAPEX

$1.31M
CZFS annual capital expenditures is $1.31 million

CAPEX 1-year change

-49.79%
CZFS annual capital expenditures is down -49.79% year-on-year

Free Cash Flow

Free cash flow

$31.87M
CZFS annual free cash flow is $31.87 million

Free cash flow 1-year change

+33.23%
CZFS annual free cash flow is up +33.23% year-on-year

Profitability Ratios

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Margins

Gross margin

-
CZFS annual gross profit margin value is unknown

Operating margin

-
CZFS annual operating profit margin value is unknown

Net margin

27.61%
CZFS annual net profit margin is 27.61%

ROA & ROE

ROA

0.93%
CZFS annual return on assets is 0.93%

ROE

9.60%
CZFS annual return on equity is 9.60%

Valuation

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PE Ratio

PE ratio

9.14
CZFS price to earnings ratio is 9.14

PE ratio Sector rank

21.82%
CZFS price to earnings ratio is higher than 21.82% of companies in Financial Services sector

PB Ratio

PB ratio

0.85
CZFS price to book ratio is 0.85

PB ratio Sector rank

34.69%
CZFS price to book ratio is higher than 34.69% of companies in Financial Services sector

PS Ratio

PS ratio

2.53
CZFS price to sales ratio is 2.53

PS ratio Sector rank

45.83%
CZFS price to sales ratio is higher than 45.83% of companies in Financial Services sector

Enterprise value

Enterprise value

$513.90M
CZFS enterprise value is $513.90 million

Enterprise value Sector rank

46.38%
CZFS enterprise value is higher than 46.38% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

4.97
CZFS EV/EBITDA is 4.97

EV/EBITDA Sector rank

62.24%
CZFS EV/EBITDA is higher than 62.24% of companies in Financial Services sector

Financial Health

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Liquidity

Current ratio

104.97
CZFS annual current ratio is 104.97

Quick ratio

-
CZFS annual quick ratio value is unknown

Leverage

Debt to equity

0.99
CZFS annual debt to equity ratio is 0.99

Interest coverage ratio

-
CZFS annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
CZFS piotroski f-score value is unknown

Altman Z-Score

0.48
CZFS altman z-score is 0.48

Analyst ratings

Recent major analysts updates

Apr 30, 24 Janney Montgomery Scott
Buy
Jun 29, 23 Janney Montgomery Scott
Neutral
Jan 26, 21 Janney Montgomery Scott
Buy

Institutional Ownership

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  • What is the ticker symbol for Citizens Financial Services?
  • Does Citizens Financial Services pay dividends?
  • What sector is Citizens Financial Services in?
  • What industry is Citizens Financial Services in?
  • What country is Citizens Financial Services based in?
  • When did Citizens Financial Services go public?
  • Is Citizens Financial Services in the S&P 500?
  • Is Citizens Financial Services in the NASDAQ 100?
  • Is Citizens Financial Services in the Dow Jones?
  • When was Citizens Financial Services's last earnings report?
  • When does Citizens Financial Services report earnings?
  • Should I buy Citizens Financial Services stock now?

What is the ticker symbol for Citizens Financial Services?

The ticker symbol for Citizens Financial Services is NASDAQ:CZFS

Does Citizens Financial Services pay dividends?

Yes, Citizens Financial Services pays dividends. The last payment was $0.49, with an ex-dividend date on March 14, 2025

What sector is Citizens Financial Services in?

Citizens Financial Services is in the Financial Services sector

What industry is Citizens Financial Services in?

Citizens Financial Services is in the Banks - Regional industry

What country is Citizens Financial Services based in?

Citizens Financial Services is headquartered in United States

When did Citizens Financial Services go public?

Citizens Financial Services's initial public offering (IPO) was on January 4, 1999

Is Citizens Financial Services in the S&P 500?

No, Citizens Financial Services is not included in the S&P 500 index

Is Citizens Financial Services in the NASDAQ 100?

No, Citizens Financial Services is not included in the NASDAQ 100 index

Is Citizens Financial Services in the Dow Jones?

No, Citizens Financial Services is not included in the Dow Jones index

When was Citizens Financial Services's last earnings report?

Citizens Financial Services's most recent earnings report was on Jan 30, 2025

When does Citizens Financial Services report earnings?

The next expected earnings date for Citizens Financial Services is Apr 25, 2025

Should I buy Citizens Financial Services stock now?

As of today, analysts generally recommend a 'Strong buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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