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Citizens Financial Services Inc   (CZFS)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial
 
Price: $45.8200 $-0.93 -1.989%
Day's High: $47.365 Week Perf: -0.99 %
Day's Low: $ 45.82 30 Day Perf: -21.74 %
Volume (M): 5 52 Wk High: $ 92.04
Volume (M$): $ 220 52 Wk Avg: $65.21
Open: $47.37 52 Wk Low: $43.10



 Market Capitalization (Millions $) 215
 Shares Outstanding (Millions) 5
 Employees 229
 Revenues (TTM) (Millions $) 83
 Net Income (TTM) (Millions $) 18
 Cash Flow (TTM) (Millions $) 20
 Capital Exp. (TTM) (Millions $) 3

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.

The Bank is a full-service bank engaged in a broad range of banking activities and services for individual, business, governmental and institutional customers. These 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.

The Bank’s main office is located at 15 South Main Street, Mansfield, (Tioga County) Pennsylvania. The Bank’s primary market area consists of the Pennsylvania Counties of Bradford, Clinton, Potter and Tioga in north central Pennsylvania. It also includes Allegany, Steuben, Chemung and Tioga Counties in Southern New York. With the completion of the FNB acquisition, the Bank has added seven additional banking offices in south central Pennsylvania; four offices in Lebanon Country, two offices in Schuylkill County, and one office in Berks County. The economy of the Bank’s market areas are diversified and include manufacturing industries, wholesale and retail trade, service industries, agricultural and the production of natural resources of gas and timber. We are dependent geographically upon the economic conditions in both north central and south central Pennsylvania, as well as the southern tier of New York. In addition to the main office in Mansfield and the additional seven offices acquired from FNB, the Bank has 16 other full service branch offices in its market areas.



   Company Address: 15 South Main Street Mansfield 16933 PA
   Company Phone Number: 662?2121   Stock Exchange / Ticker: NASDAQ CZFS
   CZFS is expected to report next financial results on March 08, 2024.


Customers Net Income fell by CZFS's Customers Net Profit Margin fell to

-5.8 %

17.2 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BK        0.82% 
CFG        3.94% 
FCNCA   -0.09%    
FITB        5.34% 
MTB        2.51% 
NTRS        4.89% 
• View Complete Report
   



Citizens Financial Services Inc

Surprising Twist: Even with Remarkable Revenue Growth, EPS Takes a Surprising Dip in Q3 2023



Citizens Financial Services Inc recently released its financial results for the third quarter of 2023, showcasing a mix of positive and negative trends. While the company experienced a decline in net profit per share compared to the previous year, it witnessed significant growth in revenue. This article aims to interpret the financial results and discuss their potential implications for the company in the future.
Revenue Growth Outshines Declining Net Profit
In the July to September 2023 period, Citizens Financial Services Inc recorded a net profit per share of $1.61, a decrease from $1.90 earned in the corresponding period the previous year. However, the company's revenue surged by an impressive 22.957%, reflecting a robust performance in the market. This growth in revenue indicates that despite declining profitability, Citizens Financial Services Inc is successfully generating increased sales and expanding its market presence.

Citizens Financial Services Inc

Citizens Financial Services Inc Plunges into Deep Financial Crisis as Second Quarter Report Shows Major Losses


As an avid investor and a keen observer of the financial sector, I have closely analyzed the recent financial results of Citizens Financial Services Inc (CZFS) and its impact on the market. The data reveals a concerning trend for the company and raises questions about its future performance.
For the period from April to June 30, 2023, CZFS experienced a significant increase in its loss per share, which rose to -$1.01 from $1.74 a year ago. This decline can be primarily attributed to a decline in revenue, which dropped by -21.626% to $15.35 million from $19.58 million the previous year.

Citizens Financial Services Inc

Citizens Financial Services Inc Surges Ahead with Impressive 4.5% Revenue Growth in Q1 2023

Citizens Financial Services Inc is a financial institution that offers various banking and financial services to individuals and businesses. The institution has been in operation for several years and has established a reputation as a reliable and trustworthy financial partner. In recent years, Citizens Financial Services Inc has been facing stiff competition from other players in the financial industry, and as a result, has had to find innovative ways to stay ahead of the curve.
In the first quarter of 2023, Citizens Financial Services Inc recorded a revenue increase of 4.5% year on year, amounting to a cumulative value of $81 million. While the growth in revenue is commendable, what is particularly noteworthy is the company's revenue per employee figure, which grew on a trailing twelve-month basis to $355,463, marking a new company high. However, among the company's peers within the financial sector, employees of 385 other companies have achieved higher revenue per employee.






 

Citizens Financial Services Inc's Segments
 
 
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