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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 24.14 % in I. Quarter 2024 from the same quarter a year ago. Ranking at No. 1073

Regional Banks industry recorded deterioration of revenues by -28.93 %

Citizens Financial Services Inc 's net income grew by 2.29 % in I. Quarter 2024 year on year, above company average,

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 57.27 in trailing twelve-month period.
Company
12.11
PE TTM   
Industry
7.49
PE TTM    
Company's Price to Sales ratio is at 2.16.
Regional Banks industry's Price to Sales ratio is at 2.54.


More on CZFS's Valuation
 
 Total Debt (Millions $) 284
 Dividend TTM ($) 1.95 $
 Dividend Yield TTM (%) 4.67 %
 Revenue/Employee (TTM) $ 398,371
 Net Income/Employee (TTM) $ 78,463
 Receivable Turnover (TTM) -
 Tangible Book Value (Per Share $) 41.15

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 57.27 in trailing twelve-month period.
Company
12.11
PE TTM   
Industry
7.49
PE TTM    
Company's Price to Sales ratio is at 2.16.
Regional Banks industry's Price to Sales ratio is at 2.54.

Citizens Financial Services Inc Price to Book Ratio is at 0.7 lower than Indusry Avg. of 54.62. and higher than S&P 500 Avg. of 0.01

More on CZFS's Valuation

  Market Capitalization (Millions $) 197
  Shares Outstanding (Millions) 5
  Employees 229
  Revenues (TTM) (Millions $) 91
  Net Income (TTM) (Millions $) 18
  Cash Flow (TTM) (Millions $) 3
  Capital Exp. (TTM) (Millions $) -3
  Total Debt (Millions $) 284
  Dividend TTM ($) 1.95 $
  Dividend Yield TTM (%) 4.67 %
  Revenue/Employee (TTM) $ 398,371
  Net Income/Employee(TTM) $ 78,463
  Receivable Turnover Ratio (TTM) -
  Tangible Book Value (Per Share $) 41.15

  Market Capitalization (Millions $) 197
  Shares Outstanding (Millions) 5
  Employees 229
  Revenues (TTM) (Millions $) 91
  Net Income (TTM) (Millions $) 18
  Cash Flow (TTM) (Millions $) 3
  Capital Exp. (TTM) (Millions $) -3


    CZFS's Profitability Comparisons
Citizens Financial Services Inc faced margin deterioraten, primarily through cost pressure. Operating Margin fell in I. Quarter 2024 to 33.81 % from 36.68 % in IV. Quarter.

Citizens Financial Services Inc net profit margin of 27.94 % is currently ranking no. 66 in Regional Banks industry, ranking no. 211 in Financial sector and number 341 in S&P 500.





  Ratio
   Capital Ratio (MRQ) 0.96
  Total Debt to Equity (MRQ) 1
  Tangible Leverage Ratio (MRQ) 25.61
  Asset Turnover Ratio (TTM) 0.03
  Inventory Turnover Ratio (TTM) -



Citizens Financial Services Inc faced margin deterioraten, primarily through cost pressure. Operating Margin fell in I. Quarter 2024 to 33.81 % from 36.68 % in IV. Quarter.

Citizens Financial Services Inc net profit margin of 27.94 % is currently ranking no. 66 in Regional Banks industry, ranking no. 211 in Financial sector and number 341 in S&P 500.

More on CZFS's Key Ratios





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