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Citizens Financial Services Inc   (CZFS)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial

Citizens Financial Services Inc

CZFS's Fundamental analysis








Looking into Citizens Financial Services Inc growth rates, revenue grew by 17.77 % in IV. Quarter 2023 from the same quarter a year ago. Ranking at No. 522

Regional Banks industry recorded deterioration of revenues by -8.19 %

Citizens Financial Services Inc 's net profit deacreased by -4.25 % in IV. Quarter 2023 year on year, to $8 millions.

More on CZFS's Growth


Citizens Financial Services Inc
current PE on trailing twelve month basis is above Regional Banks industry average.

Company is currently trading with Price to Cash flow multiple of 7.25 in trailing twelve-month period.
Company
11.88
PE TTM   
Industry
8.82
PE TTM    
Company's Price to Sales ratio is at 2.24.
Regional Banks industry's Price to Sales ratio is at 2.48.


More on CZFS's Valuation
 
 Total Debt (Millions $) 322
 Dividend TTM ($) 1.94 $
 Dividend Yield TTM (%) 4.41 %
 Revenue/Employee (TTM) $ 377,017
 Net Income/Employee (TTM) $ 77,777
 Receivable Turnover (TTM) -
 Tangible Book Value (Per Share $) 43.37

Citizens Financial Services Inc
current PE on trailing twelve month basis is above Regional Banks industry average.

Company is currently trading with Price to Cash flow multiple of 7.25 in trailing twelve-month period.
Company
11.88
PE TTM   
Industry
8.82
PE TTM    
Company's Price to Sales ratio is at 2.24.
Regional Banks industry's Price to Sales ratio is at 2.48.

Citizens Financial Services Inc Price to Book Ratio is at 0.69 lower than Indusry Avg. of 57.41. and higher than S&P 500 Avg. of 0.01

More on CZFS's Valuation

  Market Capitalization (Millions $) 193
  Shares Outstanding (Millions) 4
  Employees 229
  Revenues (TTM) (Millions $) 86
  Net Income (TTM) (Millions $) 18
  Cash Flow (TTM) (Millions $) 27
  Capital Exp. (TTM) (Millions $) -3
  Total Debt (Millions $) 322
  Dividend TTM ($) 1.94 $
  Dividend Yield TTM (%) 4.41 %
  Revenue/Employee (TTM) $ 377,017
  Net Income/Employee(TTM) $ 77,777
  Receivable Turnover Ratio (TTM) -
  Tangible Book Value (Per Share $) 43.37

  Market Capitalization (Millions $) 193
  Shares Outstanding (Millions) 4
  Employees 229
  Revenues (TTM) (Millions $) 86
  Net Income (TTM) (Millions $) 18
  Cash Flow (TTM) (Millions $) 27
  Capital Exp. (TTM) (Millions $) -3


    CZFS's Profitability Comparisons
Citizens Financial Services Inc achieved increase in profitability, due to cost control. Operating Margin grew in IV. Quarter 2023 to 36.68 % from 35.74 % in III. Quarter.

Citizens Financial Services Inc net profit margin of 29.99 % is currently ranking no. 44 in Regional Banks industry, ranking no. 144 in Financial sector and number 321 in S&P 500.





  Ratio
   Capital Ratio (MRQ) 0.96
  Total Debt to Equity (MRQ) 1.15
  Tangible Leverage Ratio (MRQ) 26.43
  Asset Turnover Ratio (TTM) 0.03
  Inventory Turnover Ratio (TTM) -



Citizens Financial Services Inc achieved increase in profitability, due to cost control. Operating Margin grew in IV. Quarter 2023 to 36.68 % from 35.74 % in III. Quarter.

Citizens Financial Services Inc net profit margin of 29.99 % is currently ranking no. 44 in Regional Banks industry, ranking no. 144 in Financial sector and number 321 in S&P 500.

More on CZFS's Key Ratios





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