CZFS

Citizens Financial Services, Inc. [CZFS] Stock Forecast

Q: What is Citizens Financial Services, Inc. stock symbol ?

Citizens Financial Services, Inc. is a US stock, located in Mansfield of Pa and trading under the symbol CZFS

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CZFS Stock Summary

Earnings have grown 69.24% per last year.

Earnings are expected to fall -100% next year

Unstable dividend track record

CZFS has less than 1 year of cash runway

Debt-to-Equity ratio of 1.16 is considered moderate, deeper research suggested.

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CZFS Financial details

Company Rating

Strong Buy

Market Cap

214.5M

Income

17.81M

Revenue

108.62M

Book val./share

59.5

Cash/share

100.95

Dividend

1.95

Dividend %

3.19%

Employees

395

Optionable

Shortable

Yes

Earnings

25 Apr 2024

P/E

15.83

Forward P/E

PEG

-3.44

P/S

3.26

P/B

1.09

P/C

0.43

P/FCF

29.92

Quick Ratio

174.63

Current Ratio

174.63

Debt / Equity

1.16

LT Debt / Equity

0.39

EPS (TTM)

3.91

EPS next Y

EPS next Q

EPS this Y

-44%

EPS next Y

EPS next 5Y

EPS last 5Y

-5.26%

Revenue last 5Y

18.89%

Revenue Q/Q

60.15%

EPS Q/Q

-0.62%

SMA20

6.65%

SMA50

-20.15%

SMA100

-19.46%

Inst Own

23.99%

Inst Trans

0.88%

ROA

ROE

ROC

0.01%

Gross Margin

100%

Oper. Margin

39%

Profit Margin

21%

Payout

32%

Shs Outstand

Shs Float

Target Price

52W Range

40.71-92.0

52W High

-52.97%

52W Low

+8.18%

RSI

38.66

Rel Volume

1.28

Avg Volume

6.05K

Volume

7.78K

Perf Week

-9.85%

Perf Month

-2.21%

Perf Quarter

-3.37%

Perf Half Y

-7.72%

Beta

0.36

Volatility

1.46%, 2.19%

Prev Close

-1.66%

Price

43.27

Change

-1.66%

CZFS Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	15.92	18.77	19.48	20.42	31.62
Net income per share	5.32	6.4	7.24	7.25	4.06
Operating cash flow per share	5.94	3.02	9.61	8.29	5.27
Free cash flow per share	5.81	2.77	9.34	7.88	4.67
Cash per share	74.64	96.32	148.15	117.67	108.27
Book value per share	42.24	49.54	52.8	49.92	63.81
Tangible book value per share	35.52	41.12	44.6	41.78	43.41
Share holders equity per share	42.24	49.54	52.8	49.92	63.81
Interest debt per share	41.9	40.61	31.89	124.52	77.35
Market cap	216.53M	213.11M	239.42M	304.56M	283.64M
Enterprise value	268.87M	219.48M	129.54M	529.57M	559.98M
P/E ratio	11.11	8.49	8.22	10.48	15.92
Price to sales ratio	3.71	2.89	3.05	3.72	2.05
POCF ratio	9.95	18.03	6.19	9.16	12.29
PFCF ratio	10.17	19.59	6.37	9.64	13.86
P/B Ratio	1.4	1.1	1.13	1.52	1.01
PTB ratio	1.4	1.1	1.13	1.52	1.01
EV to sales	4.61	2.98	1.65	6.47	4.04
Enterprise value over EBITDA	11.41	7.18	3.65	11.09	1.5K
EV to operating cash flow	12.35	18.57	3.35	15.93	24.26
EV to free cash flow	12.63	20.17	3.45	16.76	27.37
Earnings yield	0.09	0.12	0.12	0.1	0.06
Free cash flow yield	0.1	0.05	0.16	0.1	0.07
Debt to equity	0.91	0.78	0.57	2.44	1.16
Debt to assets	0.1	0.08	0.06	0.21	0.11
Net debt to EBITDA	2.22	0.21	-3.09	4.71	740.85
Current ratio	255.55	377.24	845.99	388.88	0.03
Interest coverage	1.94	3.75	4.97	4.24	-0.08
Income quality	1.12	0.47	1.33	1.14	1.3
Dividend Yield	0.03	0.03	0.03	0.02	0.03
Payout ratio	0.32	0.26	0.25	0.26	0.48
Sales general and administrative to revenue	0.35	0.35	0.35	0.35	0.28
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.02	0.02	0.02	0.01	0.03
Capex to operating cash flow	-0.02	-0.08	-0.03	-0.05	-0.11
Capex to revenue	-0.01	-0.01	-0.01	-0.02	-0.02
Capex to depreciation	-0.97	0.33	-0.99	-1.58	-1.72
Stock based compensation to revenue	0.01	0.01	0.01	0	0
Graham number	71.11	84.48	92.71	90.23	76.39
ROIC	0.07	0.07	0.09	0.06	0
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-288.38	-346.96	-354.4	-418.03	-504
Working capital	276.95M	382.64M	600.79M	477.87M	-2.01B
Tangible asset value	130.13M	161.22M	179.49M	167.5M	190.26M
Net current asset value	-1.03B	-1.31B	-1.33B	-1.65B	-2.64B
Invested capital	0.91	0.78	0.57	2.44	1.16
Average receivables	4.5M	5.28M	5.62M	6.28M	9.19M
Average payables	1.08M	1.05M	864K	971.5K	2.77M
Average inventory	-593.67M	-67.04M	-140.29M	-115.21M	-6.73M
Days sales outstanding	28.5	29.74	24.37	32.69	29.09
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	12.8	12.27	14.98	11.17	12.55
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.13	0.13	0.14	0.15	0.06
Capex per share	-0.13	-0.24	-0.27	-0.41	-0.6

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	5.39	5.06	4.91	5.57	8.93
Net income per share	1.97	1.71	-1.01	1.61	1.6
Operating cash flow per share	2.22	2.6	-1.83	1.32	2.27
Free cash flow per share	2.1	2.55	-2.24	1.24	2.33
Cash per share	117.78	118.74	117.63	99.09	100.95
Book value per share	49.97	53.23	63.99	55.89	59.5
Tangible book value per share	41.82	45.1	42.4	37.03	40.48
Share holders equity per share	49.97	53.23	63.99	55.89	59.5
Interest debt per share	123.09	73.66	79.52	70.31	69.85
Market cap	304.27M	331.36M	306.32M	225.22M	304.19M
Enterprise value	529.28M	587.19M	575M	493.47M	580.53M
P/E ratio	9.66	12.06	-18.48	7.46	10.09
Price to sales ratio	14.08	16.36	15.16	8.6	7.25
POCF ratio	34.18	31.84	-40.81	36.19	28.52
PFCF ratio	36.14	32.49	-33.21	38.72	27.72
P/B Ratio	1.52	1.55	1.16	0.86	1.09
PTB ratio	1.52	1.55	1.16	0.86	1.09
EV to sales	24.49	28.99	28.46	18.83	13.83
Enterprise value over EBITDA	35.25	37.8	-108.47	53.04	3.77K
EV to operating cash flow	59.46	56.42	-76.6	79.29	54.42
EV to free cash flow	62.87	57.57	-62.33	84.83	52.9
Earnings yield	0.03	0.02	-0.01	0.03	0.02
Free cash flow yield	0.03	0.03	-0.03	0.03	0.04
Debt to equity	2.44	1.35	1.21	1.2	1.16
Debt to assets	0.21	0.12	0.11	0.11	0.11
Net debt to EBITDA	14.98	16.47	-50.68	28.83	1.79K
Current ratio	388.88	273.09	218.58	174.63	0.03
Interest coverage	2.96	2.21	-0.6	0.64	0
Income quality	1.13	1.52	1.81	0.82	1.41
Dividend Yield	0.01	0.01	0.01	0.01	0.01
Payout ratio	0.24	0.28	-0.47	0.31	0.31
Sales general and administrative to revenue	0.33	0.41	0.43	0.4	0.28
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.03	0.03	0.03
Capex to operating cash flow	-0.05	-0.02	0.23	-0.07	0.03
Capex to revenue	-0.02	-0.01	-0.09	-0.02	0.01
Capex to depreciation	-1.86	-0.79	-6.46	-0.83	0.62
Stock based compensation to revenue	0.01	0	0.26	0	-0.02
Graham number	47.01	45.31	38.09	44.94	46.34
ROIC	0.02	0.03	-0.01	0.01	0
Return on tangible assets	0	0	0	0	0
Graham Net	-418.42	-414.66	-526.91	-479.24	-469.95
Working capital	477.87M	481.05M	490.87M	473.31M	-2.01B
Tangible asset value	167.5M	180.68M	174.4M	174.06M	190.26M
Net current asset value	-1.65B	-1.64B	-2.14B	-2.22B	-2.64B
Invested capital	2.44	1.35	1.21	1.2	1.16
Average receivables	6.94M	7.25M	8.23M	9.81M	10.69M
Average payables	1.08M	1.5M	2.01M	2.49M	3.51M
Average inventory	-275.6M	-39.99M	-49.53M	-58.97M	-16.01M
Days sales outstanding	30.54	31.89	41.36	35.47	23.69
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	2.95	2.82	2.18	2.54	3.8
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.04	0.03	-0.02	0.03	0.03
Capex per share	-0.12	-0.05	-0.42	-0.09	0.07

CZFS Dividend History

CZFS Frequently Asked Questions

What is Citizens Financial Services, Inc. stock symbol ?

Citizens Financial Services, Inc. is a US stock , located in Mansfield of Pa and trading under the symbol CZFS

What is Citizens Financial Services, Inc. stock quote today ?

Citizens Financial Services, Inc. stock price is $43.27 today.

Is Citizens Financial Services, Inc. stock public?

Yes, Citizens Financial Services, Inc. is a publicly traded company.

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Company Profile

Volume Average 6.05K
Market Capitalization 214.5M
Employee 395
CEO Mr. Randall E. Black
Headquarters Mansfield,PA,US
IPO Date 1999-01-04
Website https://www.firstcitizensbank.com

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.