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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt No Debt
CZFS's Cash-to-Debt is ranked higher than
99% of the 1374 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. CZFS: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
CZFS' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.42 Max: No Debt
Current: No Debt
0.13
No Debt
Equity-to-Asset 0.10
CZFS's Equity-to-Asset is ranked lower than
53% of the 1386 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.11 vs. CZFS: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
CZFS' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07  Med: 0.09 Max: 0.11
Current: 0.1
0.07
0.11
Beneish M-Score: -1.92
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Net Margin % 28.39
CZFS's Net Margin % is ranked higher than
66% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 23.34 vs. CZFS: 28.39 )
Ranked among companies with meaningful Net Margin % only.
CZFS' s Net Margin % Range Over the Past 10 Years
Min: 25.58  Med: 32.73 Max: 37.02
Current: 28.39
25.58
37.02
ROE % 11.71
CZFS's ROE % is ranked higher than
72% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.73 vs. CZFS: 11.71 )
Ranked among companies with meaningful ROE % only.
CZFS' s ROE % Range Over the Past 10 Years
Min: 10.33  Med: 14.32 Max: 17.67
Current: 11.71
10.33
17.67
ROA % 1.14
CZFS's ROA % is ranked higher than
67% of the 1396 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CZFS: 1.14 )
Ranked among companies with meaningful ROA % only.
CZFS' s ROA % Range Over the Past 10 Years
Min: 1.01  Med: 1.43 Max: 1.61
Current: 1.14
1.01
1.61
3-Year Revenue Growth Rate 7.70
CZFS's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.30 vs. CZFS: 7.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CZFS' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0.3  Med: 7.7 Max: 107.1
Current: 7.7
0.3
107.1
3-Year EPS without NRI Growth Rate -3.40
CZFS's 3-Year EPS without NRI Growth Rate is ranked lower than
74% of the 1163 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.80 vs. CZFS: -3.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CZFS' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -6  Med: 8.05 Max: 23.3
Current: -3.4
-6
23.3
GuruFocus has detected 5 Warning Signs with Citizens Financial Services Inc CZFS.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CZFS's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:CSTR, NAS:OVBC, AMEX:EVBN, NAS:PMBC, NAS:BPRN, NAS:ORRF, NAS:CHMG, NAS:PFBI, NAS:MPB, OTCPK:ISBA, NAS:ACNB, NAS:FSBW, NAS:FBIZ, OTCPK:TGRF, NAS:CFFI, NAS:PWOD, NAS:UNB, NAS:CIVB, NYSE:MSL, NAS:FGBI » details
Headquarter Location:USA
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers.

Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans, and a range of other specialized financial services. The firm operates approximately seventeen full-service banking branches in Potter, Tioga and Bradford counties, Pennsylvania and Allegany County, New York and loan production offices in Clinton and Luzerne Counties in Pennsylvania.

Top Ranked Articles about Citizens Financial Services Inc

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend

Ratios

vs
industry
vs
history
PE Ratio 14.43
CZFS's PE Ratio is ranked higher than
51% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CZFS: 14.43 )
Ranked among companies with meaningful PE Ratio only.
CZFS' s PE Ratio Range Over the Past 10 Years
Min: 7.11  Med: 10.67 Max: 17.11
Current: 14.43
7.11
17.11
Forward PE Ratio 11.79
CZFS's Forward PE Ratio is ranked higher than
63% of the 464 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. CZFS: 11.79 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.43
CZFS's PE Ratio without NRI is ranked higher than
51% of the 1278 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.76 vs. CZFS: 14.43 )
Ranked among companies with meaningful PE Ratio without NRI only.
CZFS' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.11  Med: 10.67 Max: 17.11
Current: 14.43
7.11
17.11
Price-to-Owner-Earnings 13.60
CZFS's Price-to-Owner-Earnings is ranked higher than
50% of the 813 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.15 vs. CZFS: 13.60 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CZFS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.39  Med: 11.12 Max: 16.05
Current: 13.6
5.39
16.05
PB Ratio 1.66
CZFS's PB Ratio is ranked lower than
74% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CZFS: 1.66 )
Ranked among companies with meaningful PB Ratio only.
CZFS' s PB Ratio Range Over the Past 10 Years
Min: 0.95  Med: 1.4 Max: 1.83
Current: 1.66
0.95
1.83
PS Ratio 4.11
CZFS's PS Ratio is ranked lower than
66% of the 1373 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. CZFS: 4.11 )
Ranked among companies with meaningful PS Ratio only.
CZFS' s PS Ratio Range Over the Past 10 Years
Min: 2.04  Med: 3.68 Max: 4.68
Current: 4.11
2.04
4.68
Price-to-Free-Cash-Flow 14.29
CZFS's Price-to-Free-Cash-Flow is ranked lower than
58% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. CZFS: 14.29 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CZFS' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.31  Med: 9.39 Max: 14.64
Current: 14.29
5.31
14.64
Price-to-Operating-Cash-Flow 14.10
CZFS's Price-to-Operating-Cash-Flow is ranked lower than
65% of the 803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.07 vs. CZFS: 14.10 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CZFS' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.59  Med: 8.82 Max: 14.43
Current: 14.1
4.59
14.43
EV-to-Revenue 3.55
CZFS's EV-to-Revenue is ranked higher than
60% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.50 vs. CZFS: 3.55 )
Ranked among companies with meaningful EV-to-Revenue only.
CZFS' s EV-to-Revenue Range Over the Past 10 Years
Min: 2.8  Med: 4.2 Max: 6.1
Current: 3.55
2.8
6.1
Shiller PE Ratio 15.87
CZFS's Shiller PE Ratio is ranked higher than
65% of the 573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.24 vs. CZFS: 15.87 )
Ranked among companies with meaningful Shiller PE Ratio only.
CZFS' s Shiller PE Ratio Range Over the Past 10 Years
Min: 7.64  Med: 14.19 Max: 18.11
Current: 15.87
7.64
18.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.77
CZFS's Dividend Yield % is ranked higher than
51% of the 2530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. CZFS: 2.77 )
Ranked among companies with meaningful Dividend Yield % only.
CZFS' s Dividend Yield % Range Over the Past 10 Years
Min: 2.25  Med: 3.15 Max: 5.25
Current: 2.77
2.25
5.25
Dividend Payout Ratio 0.40
CZFS's Dividend Payout Ratio is ranked lower than
61% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CZFS: 0.40 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CZFS' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.34 Max: 0.45
Current: 0.4
0.24
0.45
3-Year Dividend Growth Rate 4.20
CZFS's 3-Year Dividend Growth Rate is ranked lower than
59% of the 790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. CZFS: 4.20 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CZFS' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -3.2  Med: 7.5 Max: 20
Current: 4.2
-3.2
20
Forward Dividend Yield % 2.82
CZFS's Forward Dividend Yield % is ranked lower than
53% of the 2459 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. CZFS: 2.82 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.65
CZFS's 5-Year Yield-on-Cost % is ranked higher than
55% of the 2507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. CZFS: 3.65 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CZFS' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.97  Med: 4.16 Max: 6.93
Current: 3.65
2.97
6.93
3-Year Average Share Buyback Ratio -2.60
CZFS's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.40 vs. CZFS: -2.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CZFS' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.8  Med: 0.55 Max: 1.1
Current: -2.6
-2.8
1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.05
CZFS's Price-to-Tangible-Book is ranked lower than
77% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CZFS: 2.05 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CZFS' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.09  Med: 1.78 Max: 2.51
Current: 2.05
1.09
2.51
Price-to-Intrinsic-Value-Projected-FCF 0.86
CZFS's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
55% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. CZFS: 0.86 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CZFS' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.7 Max: 1.21
Current: 0.86
0.44
1.21
Price-to-Median-PS-Value 1.12
CZFS's Price-to-Median-PS-Value is ranked lower than
55% of the 1305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. CZFS: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CZFS' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.57  Med: 0.85 Max: 3.6
Current: 1.12
0.57
3.6
Price-to-Graham-Number 1.15
CZFS's Price-to-Graham-Number is ranked lower than
65% of the 1212 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. CZFS: 1.15 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CZFS' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.46  Med: 0.93 Max: 1.26
Current: 1.15
0.46
1.26

More Statistics

Revenue (TTM) (Mil) $53.51
EPS (TTM) $ 4.33
Beta-0.08
Volatility9.31%
52-Week Range $55.10 - 65.35
Shares Outstanding (Mil)3.51

Analyst Estimate

Dec18 Dec19
Revenue (Mil $)
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 5.18 5.30
EPS without NRI ($) 5.18 5.30
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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