Buy or Sell ? Support and Resistance
What is MACD and how to read it?
How RSI can help?
CZFS Stock Summary
Top 10 Correlated ETFs
CZFS
In the News

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?

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?

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.

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.

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?

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?

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.

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.

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?

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
CZFS Financial Performance
Yearly Fundamentals Overview
Last date of statement is 2022-12-31
Metric | History | 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 | History | 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 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.