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Business Description
Citizens Financial Services Inc
NAICS : 522110
SIC : 6022
ISIN : US1746151042
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Traded in other countries / regions
CZFS.USA Index Membership
Russell 2000Russell 3000 IPO Date
2022-06-03Description
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 principally 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 variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.16 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.94 | |||||
| Debt-to-EBITDA | N/A |
N/A
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N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 7/9 | |||||
| Beneish M-Score | -2.56 | |||||
| WACC vs ROIC | ||||||
Growth Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 3.2 | |||||
| 3-Year EPS without NRI Growth Rate | -5.7 | |||||
| 3-Year FCF Growth Rate | -10.2 | |||||
| 3-Year Book Growth Rate | 6.4 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 47.69 | |||||
| 9-Day RSI | 47.28 | |||||
| 14-Day RSI | 46.45 | |||||
| 3-1 Month Momentum % | -4.81 | |||||
| 6-1 Month Momentum % | 14.34 | |||||
| 12-1 Month Momentum % | 39.58 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.38 | |||||
| Dividend Payout Ratio | 0.33 | |||||
| 3-Year Dividend Growth Rate | 2.6 | |||||
| Forward Dividend Yield % | 3.41 | |||||
| 5-Year Yield-on-Cost % | 3.82 | |||||
| 3-Year Average Share Buyback Ratio | -5.4 | |||||
| Shareholder Yield % | 10.35 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 27.61 | |||||
| FCF Margin % | 31.63 | |||||
| ROE % | 9.61 | |||||
| ROA % | 0.93 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 9.91 | |||||
| Forward PE Ratio | 9.07 | |||||
| PE Ratio without NRI | 9.92 | |||||
| Shiller PE Ratio | 9.77 | |||||
| Price-to-Owner-Earnings | 8.86 | |||||
| PEG Ratio | 1.27 | |||||
| PS Ratio | 2.74 | |||||
| PB Ratio | 0.92 | |||||
| Price-to-Tangible-Book | 1.31 | |||||
| Price-to-Free-Cash-Flow | 8.65 | |||||
| Price-to-Operating-Cash-Flow | 8.31 | |||||
| EV-to-Revenue | 5.07 | |||||
| EV-to-Forward-Revenue | 4.54 | |||||
| EV-to-FCF | 16.03 | |||||
| Price-to-GF-Value | 0.87 | |||||
| Price-to-Projected-FCF | 0.52 | |||||
| Price-to-DCF (Earnings Based) | 0.73 | |||||
| Price-to-DCF (FCF Based) | 0.69 | |||||
| Price-to-Median-PS-Value | 0.73 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.34 | |||||
| Price-to-Graham-Number | 0.76 | |||||
| FCF Yield % | 11.53 | |||||
| Forward Rate of Return (Yacktman) % | 18.28 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
Citizens Financial Services Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 100.754 | ||
| EPS (TTM) ($) | 5.855 | ||
| Beta | 0.47 | ||
| 3-Year Sharpe Ratio | 0.06 | ||
| 3-Year Sortino Ratio | 0.09 | ||
| Volatility % | 37.9 | ||
| 14-Day RSI | 46.45 | ||
| 14-Day ATR ($) | 2.391364 | ||
| 20-Day SMA ($) | 58.252 | ||
| 12-1 Month Momentum % | 39.58 | ||
| 52-Week Range ($) | 38.524752 - 75.4 | ||
| Shares Outstanding (Mil) | 4.76 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Citizens Financial Services Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Citizens Financial Services Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Citizens Financial Services Inc Frequently Asked Questions
What is Citizens Financial Services Inc(CZFS)'s stock price today?
The current price of CZFS is $58.05. The 52 week high of CZFS is $75.40 and 52 week low is $38.52.
When is next earnings date of Citizens Financial Services Inc(CZFS)?
The next earnings date of Citizens Financial Services Inc(CZFS) is 2025-04-25 Est..
Does Citizens Financial Services Inc(CZFS) pay dividends? If so, how much?
The Dividend Yield %  of Citizens Financial Services Inc(CZFS) is 3.38% (As of Today), Highest Dividend Payout Ratio of Citizens Financial Services Inc(CZFS) was 0.44. The lowest was 0.25. And the median was 0.33. The  Forward Dividend Yield % of Citizens Financial Services Inc(CZFS) is 3.41%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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