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Citizens Financial Services Inc  (CZFS)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
Price: $63.0000 $1.35 2.190%
Day's High: $ 63 Week Perf: 2.77 %
Day's Low: $ 61.65 30 Day Perf: 4.13 %
Volume (M): 2 52 Wk High: $ 65.00
Volume (M$): $ 95 52 Wk Avg: $ 55.34
Open: 61.65 52 Wk Low: 50.05
  CZFS Charts & Quotes
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 Market Capitalization (Millions $) 220
 Shares Outstanding (Millions) 3
 Employees 229
 Revenues (TTM) (Millions $) 46
 Net Income (TTM) (Millions $) 14
 Cash Flow (TTM) (Millions $) -3
 Capital Exp. (TTM) (Millions $) 0
Citizens Financial Services Inc

Citizens Financial Services, Inc., a Pennsylvania corporation, was incorporated on April 30, 1984 to be the holding company for First Citizens Community Bank (the “Bank”), which until 2012, and in connection with its conversion from a national bank to a Pennsylvania-chartered bank and trust company, operated under the name First Citizens National Bank. The Company is primarily engaged in the ownership and management of the Bank and the Bank’s wholly-owned insurance agency subsidiary, First Citizens Insurance Agency, Inc. On December 11, 2015, the Company completed the acquisition of The First National Bank of Fredericksburg (“FNB”) by merging FNB into the Bank, with the Bank as the resulting institution.


CZFS is expected to report next financial results on February 09, 2018.

Citizens Financial Services Inc's Segments
  Company Estimates  
  Revenue Outlook
Citizens Financial Services Inc does not provide revenue guidance.

Earnings Outlook
Citizens Financial Services Inc does not provide earnings estimates.

Geographic Revenue Dispersion

Applied Materials Inc

Growth, Growth, Growth

Applied Materials Inc showed respectable growth in the forth quarter, where earnings jumped by 64.12 % year on year to $0.91 per share and Sales increased by 20.38 % to $3.97 billions, led by sales in Korea segment.

Biosynergy Inc

Break-even, Revenue Dipped

In the second quarter Biosynergy Inc reached break-even of $0.00 per share compare to $0.00 a year ago and from $-0.00 per share from the previous quarter.

Sales decreased by -8.51 % to $0.32 millions from $0.35 millions in the same quarter a year ago and sequentially Sales increased by 5.81 % from $0.30 millions.

CZFS's Valuation Current
Price to Earnings PE Ratio (TTM) 15.78
Price to Earnings PE Ratio (Expected) -
Price to Sales (TTM) 4.74
Price to Sales (Expected) -
Price to Book 1.69
PEG (TTM) 1.64
CZFS's Financial Strength Current
Quick Ratio 0.27
Working Capital Ratio 1.13
Leverage Ratio (MRQ) 8.78
Total Debt to Equity 0.57
Interest Coverage (TTM) 4.26
Debt Coverage (TTM) 0.35
Per Share Current
Earnings (TTM) 3.99 $
Revenues (TTM) 13.3 $
Cash Flow (TTM) -0.73 $
Cash 82.47 $
Book Value 37.27 $
Dividend (TTM) 1.67 $

• View Valuation Comparisons • View Growth Rates Comparisons

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CZFS's Efficiency Current
Revenue per Employee (TTM) 202,358
Net Income per Employee (TTM) 59,354
Receivable Turnover Ratio (TTM) -
Inventory Turnover Ratio (TTM) -
Asset Turnover Ratio (TTM) 0.04
CZFS's Profitability Ratio Current
Gross Margin 60.65 %
Operating Margin 39.8 %
Net Margin 30.32 %
Net Cash Flow Margin -
Effective Tax Rate (TTM) 22.23 %
Management Effectiveness Current
Return On Assets (TTM) 1.09 %
Return On Investment (TTM) 6.53 %
Return On Equity (TTM) 10.75 %
Dividend Yield 2.73 %
Payout Ratio (TTM) 41.83 %
• View Efficiency Comparisons • View Profitability Comparisons • View Management Effectiveness

Customers recorded net loss Customers recorded net loss
• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers
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Major Competitors Stock performance

5 Days Decrease / Increase
ZION   -1.81%    
STT        0.88% 
PNC        0.8% 
MTB   -0.48%    
KEY   -0.65%    
BBVA   -1.41%    
• View Complete Report


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