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

42.29USD+0.29 (+0.69%)Delayed

Market Summary

USD42.29+0.29

Delayed

0.69%

CZFS Alerts

1 major insider buys recently.

CZFS Stock Price

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CZFS RSI Chart

CZFS Valuation

Market Cap

199.1M

Price/Earnings (Trailing)

11.08

Price/Sales (Trailing)

1.42

EV/EBITDA

4.26

Price/Free Cashflow

6.73

CZFS Price/Sales (Trailing)

CZFS Profitability

EBT Margin

15.39%

Return on Equity

6.36%

Return on Assets

0.62%

Free Cashflow Yield

14.86%

CZFS Fundamentals

CZFS Revenue

Revenue (TTM)

139.9M

Rev. Growth (Yr)

51.09%

Rev. Growth (Qtr)

-1.5%

CZFS Earnings

Earnings (TTM)

18.0M

Earnings Growth (Yr)

2.29%

Earnings Growth (Qtr)

-6.84%

Breaking Down CZFS Revenue

Last 7 days

-10.8%

Last 30 days

-3.9%

Last 90 days

-13.2%

Trailing 12 Months

-46.9%

How does CZFS drawdown profile look like?

CZFS Financial Health

Debt/Equity

Debt/Cashflow

0.1

CZFS Investor Care

Dividend Yield

4.61%

Dividend/Share (TTM)

1.95

Shares Dilution (1Y)

17.36%

Diluted EPS (TTM)

3.79

Historical Charts for Stock Metrics

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Net sales

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

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
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 Details

Datesorted 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	-%

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

CZFS Alerts

1 major insider buys recently.

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
May 09, 2024	10-Q	Quarterly Report
May 09, 2024	4	Insider Trading
Apr 30, 2024	4	Insider Trading
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

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	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

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	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

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
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 (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
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

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CZFS Income Statement

2024-03-31

CONSOLIDATED STATEMENT OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENT OF INCOME - USD ($) $ in Thousands	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

CZFS Balance Sheet

2024-03-31

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

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

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

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

[1]	Excludes fully amortized intangible assets

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 May 17 2024, market cap of Citizens Financial Services, Inc. is 199.06 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 May 17 2024, CZFS's PE ratio (Price to Earnings) is 11.08 and Price to Sales (PS) ratio is 1.42. 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 -0.012 (multiply by 100 for percentage) rate of return.