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Citizens Financial Services Inc  (CZFS)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
Price: $62.4500 $-0.05 -0.080%
Day's High: $ 62.5 Week Perf: -0.87 %
Day's Low: $ 62.00 30 Day Perf: 0.16 %
Volume (M): 2 52 Wk High: $ 66.00
Volume (M$): $ 94 52 Wk Avg: $ 60.92
Open: 62.00 52 Wk Low: 52.65
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 Market Capitalization (Millions $) 217
 Shares Outstanding (Millions) 3
 Employees 229
 Revenues (TTM) (Millions $) 50
 Net Income (TTM) (Millions $) 14
 Cash Flow (TTM) (Millions $) -2
 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 August 03, 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

Omnicom Group Inc.

Sales and Profits Increased

Omnicom Group Inc reported moderate Sales growth of 1.83 % to $3.86 billions in the second quarter, eps grew by 14.29 % to $1.60 year on year.

Fastenal Co

Strong Eps Underlines Double Digits Sales Growth

For the second quarter profits soared by 42.31 % to $0.74 per share, followed by Sales increase of 13.05 % to $1.27 billions, compared with the prior year period.

CZFS's Valuation Current
Price to Earnings PE Ratio (TTM) 15.68
Price to Earnings PE Ratio (Expected) -
Price to Sales (TTM) 4.36
Price to Sales (Expected) -
Price to Book 1.67
PEG (TTM) 3.12
CZFS's Financial Strength Current
Quick Ratio 0.25
Working Capital Ratio 1.16
Leverage Ratio (MRQ) 9.65
Total Debt to Equity 0.96
Interest Coverage (TTM) 4.09
Debt Coverage (TTM) 0.28
Per Share Current
Earnings (TTM) 3.98 $
Revenues (TTM) 14.31 $
Cash Flow (TTM) -0.67 $
Cash 78.92 $
Book Value 37.33 $
Dividend (TTM) 1.68 $

• View Valuation Comparisons • View Growth Rates Comparisons

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CZFS's Efficiency Current
Revenue per Employee (TTM) 217,376
Net Income per Employee (TTM) 61,000
Receivable Turnover Ratio (TTM) -
Inventory Turnover Ratio (TTM) -
Asset Turnover Ratio (TTM) 0.04
CZFS's Profitability Ratio Current
Gross Margin 58.4 %
Operating Margin 38.94 %
Net Margin 33.11 %
Net Cash Flow Margin -
Effective Tax Rate (TTM) 29.53 %
Management Effectiveness Current
Return On Assets (TTM) 1.06 %
Return On Investment (TTM) 5.87 %
Return On Equity (TTM) 10.82 %
Dividend Yield 2.79 %
Payout Ratio (TTM) 42.18 %
• View Efficiency Comparisons • View Profitability Comparisons • View Management Effectiveness

Customers Net Income fell by CZFS's customers Net margin fell to %
-3.34 % 8.13 %
• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers
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Major Competitors Stock performance

5 Days Decrease / Increase
MTB        0.49% 
STT        2.38% 
BBVA   -100%    
ZION        0.9% 
PNC        2.96% 
BAC        4.99% 
• View Complete Report


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