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

EPS has been increasing for the past 3 quarters (Quarter statements)

CZFS's dividend payments are well covered by cash flows with cash payout ratio of 26.24%.

Has a high level of debt. Debt-to-Equity ratio of 10.66 is considered high.

Earnings are expected to fall -0.09% next year

CZFS has less than 1 year of cash runway

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In the News

09:04 01 Apr 2023 CZFS

Citizens Financial Services (CZFS) Beats Q4 Earnings Estimates

Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 7.57% and 6.05%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

05:18 01 Apr 2023 CZFS

Citizens Financial Services (CZFS) Q3 Earnings and Revenues Top Estimates

Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 0.53% and 0.18%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

10:32 01 Apr 2023 CZFS

Watch These 5 Stocks That Recently Hiked Their Dividends

At this stage, one should consider stocks that have recently raised their dividend payments. Five such companies are VZ, STC, CZFS, AVT and BRC.

10:33 01 Apr 2023 CZFS

Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why

Citizens Financial Services (CZFS) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.

09:43 01 Apr 2023 CZFS

Citizens Financial Services (CZFS) Q2 Earnings Meet Estimates

Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 0% and 1.43%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

06:49 01 Apr 2023 CZFS

Citizens Financial Services (CZFS) Q1 Earnings Meet Estimates

Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 0% and 3.40%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?

05:18 01 Apr 2023 CZFS

Earnings Preview: Citizens Financial Services (CZFS) Q1 Earnings Expected to Decline

Citizens Financial Services (CZFS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

09:31 01 Apr 2023 CZFS

Citizens Financial Services: An Interesting 'Uplisting' Story

Citizens Financial Services is the holding company of the First Citizens Community Bank in Pennsylvania, with in excess of $2B in assets. The bank is currently listed on the pink sheets but will move to the Nasdaq soon.

11:51 01 Apr 2023 CZFS

Citizens Financial Services (CZFS) Q3 Earnings and Revenues Surpass Estimates

Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 2.87% and 0.22%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?

04:28 01 Apr 2023 CZFS

Analysts Estimate Citizens Financial Services (CZFS) to Report a Decline in Earnings: What to Look Out for

Citizens Financial Services (CZFS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

CZFS Financial details

Company Rating

Strong Buy

Market Cap

331.79M

Income

29.06M

Revenue

81.87M

Book val./share

50.47

Cash/share

118.95

Dividend

1.92

Dividend %

2.3%

Employees

309

Optionable

Shortable

Yes

Earnings

17 Apr 2023

P/E

11.4

Forward P/E

PEG

833.34

P/S

4.05

P/B

1.66

P/C

0.7

P/FCF

10.85

Quick Ratio

Current Ratio

Debt / Equity

10.66

LT Debt / Equity

1.29

EPS (TTM)

7.32

EPS next Y

EPS next Q

1.91

EPS this Y

EPS next Y

EPS next 5Y

10.79%

EPS last 5Y

Revenue last 5Y

8.31%

Revenue Q/Q

0.33%

EPS Q/Q

4.74%

SMA20

-4.63%

SMA50

3.99%

SMA100

17.48%

Inst Own

7.67%

Inst Trans

1.52%

ROA

ROE

15%

ROC

Gross Margin

24%

Oper. Margin

Profit Margin

35%

Payout

26%

Shs Outstand

3.97M

Shs Float

3.72M

Target Price

52W Range

62.37624-89.04

52W High

-6.12%

52W Low

+34.76%

RSI

59.75

Rel Volume

0.43

Avg Volume

18.58K

Volume

7.91K

Perf Week

4.2%

Perf Month

-4.29%

Perf Quarter

19.78%

Perf Half Y

12.24%

Beta

0.297439

Volatility

1.41%, 3.97%

Prev Close

3.8%

Price

83.55

Change

3.9%

CZFS Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
Revenue per share	15.21	16.24	19.15	19.88	20.62
Net income per share	4.99	5.43	6.53	7.38	7.32
Operating cash flow per share	5.95	6.06	3.08	9.81	8.37
Free cash flow per share	5.81	5.93	2.83	9.53	8.37
Cash per share	75.68	76.14	98.25	151.13	118.84
Book value per share	38.55	43.09	50.54	53.86	50.42
Tangible book value per share	31.65	36.23	41.94	45.49	42.19
Share holders equity per share	38.55	43.09	50.54	53.86	50.42
Interest debt per share	27.9	27.05	25.22	20.55	67.64
Market cap	198.63M	218.7M	213.12M	237.07M	304.56M
Enterprise value	257.53M	271.04M	219.49M	127.19M	529.57M
P/E ratio	11.01	11.22	8.49	8.14	10.48
Price to sales ratio	3.62	3.75	2.9	3.02	3.72
POCF ratio	9.24	10.05	18.03	6.13	9.16
PFCF ratio	9.46	10.28	19.59	6.31	9.16
P/B Ratio	1.43	1.41	1.1	1.12	1.52
PTB ratio	1.43	1.41	1.1	1.12	1.52
EV to sales	4.69	4.65	2.98	1.62	6.47
Enterprise value over EBITDA	8.2	7.56	6.16	2.92	11.3
EV to operating cash flow	11.99	12.45	18.57	3.29	15.93
EV to free cash flow	12.27	12.73	20.17	3.38	15.93
Earnings yield	0.09	0.09	0.12	0.12	0.1
Free cash flow yield	0.11	0.1	0.05	0.16	0.11
Debt to equity	9.28	8.47	8.74	9.09	10.66
Debt to assets	0.9	0.89	0.9	0.9	0.91
Net debt to EBITDA	1.88	1.46	0.18	-2.52	4.8
Current ratio	0	0	0	0	0
Interest coverage	0	0	0	0	0
Income quality	1.19	1.12	0.47	1.33	1.14
Dividend Yield	0.03	0.03	0.03	0.03	0.02
Payout ratio	0.34	0.32	0.26	0.25	0.26
Sales general and administrative to revenue	0.36	0.37	0.35	0.35	0.35
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.02	0.02	0.02	0.02	0.01
Capex to operating cash flow	-0.02	-0.02	-0.08	-0.03	0
Capex to revenue	-0.01	-0.01	-0.01	-0.01	0
Capex to depreciation	-1.29	-0.97	0.33	-0.99	0
Stock based compensation to revenue	0.01	0.01	0.01	0.01	0
Graham number	65.81	72.54	86.18	94.57	91.13
ROIC	0	0	0	0	0
Return on tangible assets	0.01	0.01	0.01	0.01	0.01
Graham Net	-281.01	-288.08	-342.18	-337.41	-417.15
Working capital	1.15B	1.18B	1.54B	1.68B	479.1M
Tangible asset value	114.31M	130.13M	161.22M	179.49M	167.5M
Net current asset value	-143.49M	-127.21M	-152.85M	-252.2M	-1.65B
Invested capital	0.65	0.55	0.46	0.35	1.29
Average receivables	4.32M	4.5M	5.28M	5.62M	6.28M
Average payables	986.5K	1.08M	1.05M	864K	971.5K
Average inventory	0	0	0	0	0
Days sales outstanding	29.59	28.5	29.74	24.37	32.69
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	12.34	12.8	12.27	14.98	11.17
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.13	0.13	0.13	0.14	0.15
Capex per share	-0.14	-0.13	-0.25	-0.28	0

Quarterly Fundamentals Overview

Last date of statement is 2022-12-31 for Q4

Metric	2021-12-31	2022-03-31	2022-06-30	2022-09-30	2022-12-31
Revenue per share	4.91	4.7	5.04	5.43	5.45
Net income per share	1.76	1.69	1.74	1.9	1.99
Operating cash flow per share	1.6	3.03	0.76	2.34	2.24
Free cash flow per share	1.59	3.01	0.55	2.56	2.24
Cash per share	151.21	147.32	123.72	119.58	118.95
Book value per share	53.89	50.96	49.08	48.25	50.47
Tangible book value per share	45.52	42.68	40.82	39.99	42.23
Share holders equity per share	53.89	50.96	49.08	48.25	50.47
Interest debt per share	19.17	17.54	28.24	66	66.15
Market cap	236.95M	250.13M	278.14M	278.52M	304.27M
Enterprise value	127.07M	193.71M	359.96M	508.24M	529.28M
P/E ratio	8.53	9.28	10.08	9.23	9.66
Price to sales ratio	12.23	13.38	13.88	12.93	14.08
POCF ratio	37.52	20.77	91.83	30.06	34.18
PFCF ratio	37.89	20.87	127.06	27.4	34.18
P/B Ratio	1.12	1.23	1.43	1.45	1.52
PTB ratio	1.12	1.23	1.43	1.45	1.52
EV to sales	6.56	10.36	17.97	23.6	24.49
Enterprise value over EBITDA	12.21	19.32	34.89	41.74	35.78
EV to operating cash flow	20.12	16.08	118.84	54.85	59.46
EV to free cash flow	20.32	16.16	164.44	50	59.46
Earnings yield	0.03	0.03	0.02	0.03	0.03
Free cash flow yield	0.03	0.05	0.01	0.04	0.03
Debt to equity	9.09	9.74	10.35	11.27	10.66
Debt to assets	0.9	0.91	0.91	0.92	0.91
Net debt to EBITDA	-10.56	-5.63	7.93	18.87	15.21
Current ratio	0	0	0	0	0
Interest coverage	0	0	0	0	0
Income quality	0.91	1.79	0.44	1.23	1.13
Dividend Yield	0.01	0.01	0.01	0.01	0.01
Payout ratio	0.27	0.28	0.28	0.25	0.24
Sales general and administrative to revenue	0.36	0.4	0.38	0.35	0.33
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.02	0.02	0.01	0.01	0.01
Capex to operating cash flow	-0.01	0	-0.28	0	0
Capex to revenue	0	0	-0.04	0	0
Capex to depreciation	-0.23	-0.22	-3.27	0	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	46.21	44.07	43.8	45.43	47.48
ROIC	0	0	0	0	0
Return on tangible assets	0	0	0	0	0
Graham Net	-337.58	-348.11	-383	-423.17	-417.54
Working capital	0	0	497.48M	0	479.1M
Tangible asset value	179.49M	169.82M	162.21M	158.68M	167.5M
Net current asset value	-1.93B	-1.98B	-1.52B	-2.16B	-1.65B
Invested capital	0.35	0.34	0.57	1.35	1.29
Average receivables	5.23M	5.32M	5.64M	6.21M	6.94M
Average payables	767K	712.5K	640K	744K	1.08M
Average inventory	0	0	0	0	0
Days sales outstanding	24.31	26.07	26.39	27.35	30.54
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	3.7	3.45	3.41	3.29	2.95
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.03	0.03	0.04	0.04	0.04
Capex per share	-0.02	-0.01	-0.21	0	0

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 $83.55 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 18.58K
Market Capitalization 331.79M
Employee 309
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.