Citizens Financial Services Inc (CZFS)

$51.57

+0.79

(+1.56%)

Market is closed - opens 7 PM, 18 Jul 2024

Performance

  • $46.32
    $53.01
    $51.57
    downward going graph

    10.18%

    Downside

    Day's Volatility :12.61%

    Upside

    2.71%

    downward going graph
  • $38.47
    $68.77
    $51.57
    downward going graph

    25.4%

    Downside

    52 Weeks Volatility :44.06%

    Upside

    25.01%

    downward going graph

Returns

PeriodCitizens Financial Services IncIndex (Russel 2000)
3 Months
20.37%
0.0%
6 Months
-12.3%
0.0%
1 Year
-27.96%
0.0%
3 Years
-13.33%
-18.2%

Highlights

Market Capitalization
242.7M
Book Value
$59.46
Dividend Share
1.931
Dividend Yield
3.86%
Earnings Per Share (EPS)
3.78
PE Ratio
13.51
PEG Ratio
0.0
Wall Street Target Price
52.48
Profit Margin
19.7%
Operating Margin TTM
36.44%
Return On Assets TTM
0.68%
Return On Equity TTM
7.25%
Revenue TTM
91.2M
Revenue Per Share TTM
19.82
Quarterly Revenue Growth YOY
24.099999999999998%
Gross Profit TTM
80.1M
Diluted Eps TTM
3.78
Quarterly Earnings Growth YOY
-0.13
EPS Estimate Current Year
5.45
EPS Estimate Next Year
6.44
EPS Estimate Current Quarter
1.55
EPS Estimate Next Quarter
1.62

Analyst Recommendation

Buy
    85%Buy
    14%Hold
    0
    0%Sell
Based on 7 Wall street analysts offering stock ratings for Citizens Financial Services Inc(by analysts ranked 0 to 5 stars)
Based on 7 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
6
00
00
Hold
1
3
3
Sell
00
3
3

Analyst Forecast

What analysts predicted

Upside of 1.76%

Current $51.57
Target $52.48

Company Financials

FY18Y/Y Change
Revenue
54.9M
↑ 7.87%
Net Income
18.0M
↑ 38.46%
Net Profit Margin
32.84%
↑ 7.26%
FY19Y/Y Change
Revenue
58.3M
↑ 6.2%
Net Income
19.5M
↑ 8.07%
Net Profit Margin
33.42%
↑ 0.58%
FY20Y/Y Change
Revenue
73.6M
↑ 26.21%
Net Income
25.1M
↑ 28.8%
Net Profit Margin
34.1%
↑ 0.68%
FY21Y/Y Change
Revenue
78.4M
↑ 6.53%
Net Income
29.1M
↑ 15.99%
Net Profit Margin
37.13%
↑ 3.03%
FY22Y/Y Change
Revenue
81.9M
↑ 4.41%
Net Income
29.1M
↓ 0.2%
Net Profit Margin
35.49%
↓ 1.64%
FY23Y/Y Change
Revenue
138.6M
↑ 69.24%
Net Income
17.8M
↓ 38.71%
Net Profit Margin
12.85%
↓ 22.64%
Q4 FY22Q/Q Change
Revenue
21.6M
↑ 0.33%
Net Income
7.9M
↑ 4.39%
Net Profit Margin
36.44%
↑ 1.41%
Q1 FY23Q/Q Change
Revenue
20.3M
↓ 6.27%
Net Income
6.9M
↓ 12.8%
Net Profit Margin
33.9%
↓ 2.54%
Q2 FY23Q/Q Change
Revenue
20.2M
↓ 0.26%
Net Income
-4.1M
↓ 160.35%
Net Profit Margin
-20.51%
↓ 54.41%
Q3 FY23Q/Q Change
Revenue
26.2M
↑ 29.7%
Net Income
7.5M
↓ 282.14%
Net Profit Margin
28.81%
↑ 49.32%
Q4 FY23Q/Q Change
Revenue
42.0M
↑ 60.15%
Net Income
7.5M
↓ 0.11%
Net Profit Margin
17.97%
↓ 10.84%
Q1 FY24Q/Q Change
Revenue
42.9M
↑ 2.28%
Net Income
7.0M
↓ 6.84%
Net Profit Margin
16.37%
↓ 1.6%
FY18Y/Y Change
Total Assets
1.4B
↑ 5.05%
Total Liabilities
1.3B
↑ 4.75%
FY19Y/Y Change
Total Assets
1.5B
↑ 2.49%
Total Liabilities
1.3B
↑ 1.55%
FY20Y/Y Change
Total Assets
1.9B
↑ 29.01%
Total Liabilities
1.7B
↑ 29.42%
FY21Y/Y Change
Total Assets
2.1B
↑ 13.33%
Total Liabilities
1.9B
↑ 13.78%
FY22Y/Y Change
Total Assets
2.3B
↑ 8.84%
Total Liabilities
2.1B
↑ 10.45%
FY23Y/Y Change
Total Assets
3.0B
↑ 27.91%
Total Liabilities
2.7B
↑ 26.8%
Q4 FY22Q/Q Change
Total Assets
2.3B
↓ 0.69%
Total Liabilities
2.1B
↓ 1.16%
Q1 FY23Q/Q Change
Total Assets
2.3B
↑ 0.09%
Total Liabilities
2.1B
↓ 0.52%
Q2 FY23Q/Q Change
Total Assets
2.9B
↑ 23.83%
Total Liabilities
2.6B
↑ 23.86%
Q3 FY23Q/Q Change
Total Assets
3.0B
↑ 2.33%
Total Liabilities
2.7B
↑ 2.59%
Q4 FY23Q/Q Change
Total Assets
3.0B
↑ 0.86%
Total Liabilities
2.7B
↑ 0.31%
Q1 FY24Q/Q Change
Total Assets
2.9B
↓ 2.13%
Total Liabilities
2.6B
↓ 2.46%
FY18Y/Y Change
Operating Cash Flow
21.5M
↑ 36.51%
Investing Cash Flow
-72.4M
↓ 31.37%
Financing Cash Flow
49.1M
↓ 45.67%
FY19Y/Y Change
Operating Cash Flow
21.8M
↑ 1.31%
Investing Cash Flow
-32.3M
↓ 55.32%
Financing Cash Flow
12.3M
↓ 75.01%
FY20Y/Y Change
Operating Cash Flow
11.8M
↓ 45.69%
Investing Cash Flow
-110.7M
↑ 242.59%
Financing Cash Flow
149.1M
↑ 1114.26%
FY21Y/Y Change
Operating Cash Flow
38.7M
↑ 227.3%
Investing Cash Flow
-158.2M
↑ 42.89%
Financing Cash Flow
223.7M
↑ 50.01%
FY22Y/Y Change
Operating Cash Flow
33.2M
↓ 14.09%
Investing Cash Flow
-362.5M
↑ 129.06%
Financing Cash Flow
182.6M
↓ 18.36%
Q4 FY22Q/Q Change
Operating Cash Flow
8.9M
↓ 3.93%
Investing Cash Flow
22.2M
↓ 115.5%
Financing Cash Flow
-28.1M
↓ 120.55%
Q1 FY23Q/Q Change
Operating Cash Flow
10.4M
↑ 16.92%
Investing Cash Flow
5.2M
↓ 76.49%
Financing Cash Flow
-15.7M
↓ 44.15%
Q2 FY23Q/Q Change
Operating Cash Flow
-7.5M
↓ 172.13%
Investing Cash Flow
123.5M
↑ 2263.95%
Financing Cash Flow
-97.4M
↑ 521.78%

Technicals Summary

Sell

Neutral

Buy

Citizens Financial Services Inc is currently in a favorable trading position ( BUY ) according to technical analysis indicators.

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Citizens Financial Services Inc
Citizens Financial Services Inc
25.6%
-12.3%
-27.96%
-13.33%
-13.33%
Nu Holdings Ltd.
Nu Holdings Ltd.
13.09%
46.08%
73.04%
27.98%
27.98%
Icici Bank Ltd.
Icici Bank Ltd.
8.56%
25.0%
22.8%
70.05%
142.15%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
16.33%
22.85%
37.87%
1.07%
29.4%
U.s. Bancorp
U.s. Bancorp
15.19%
12.73%
23.83%
-16.97%
-17.99%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
6.12%
-6.31%
7.03%
38.12%
-37.22%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Citizens Financial Services Inc
Citizens Financial Services Inc
13.51
13.51
0.0
5.45
0.07
0.01
0.04
59.46
Nu Holdings Ltd.
Nu Holdings Ltd.
52.23
52.23
NA
0.41
0.21
0.03
NA
1.42
Icici Bank Ltd.
Icici Bank Ltd.
20.01
20.01
0.0
1.36
0.19
0.02
0.01
364.7
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
14.83
14.83
3.46
12.72
0.11
0.01
0.04
112.72
U.s. Bancorp
U.s. Bancorp
14.38
14.38
1.14
3.84
0.09
0.01
0.05
31.25
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
9.3
9.3
0.86
0.81
0.19
0.01
0.03
18.93
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Citizens Financial Services Inc
Citizens Financial Services Inc
Buy
$242.7M
-13.33%
13.51
19.7%
Nu Holdings Ltd.
Nu Holdings Ltd.
Buy
$65.0B
27.98%
52.23
29.67%
Icici Bank Ltd.
Icici Bank Ltd.
Buy
$104.4B
142.15%
20.01
27.97%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
Buy
$70.4B
29.4%
14.83
25.68%
U.s. Bancorp
U.s. Bancorp
Hold
$67.6B
-17.99%
14.38
20.08%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
Buy
$61.0B
-37.22%
9.3
27.36%

Insights on Citizens Financial Services Inc

  • Increasing Revenue

    Revenue is up for the last 4 quarters, 20.20M → 42.91M (in $), with an average increase of 20.9% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 3 quarters, 7.54M → 7.02M (in $), with an average decrease of 3.5% per quarter

  • Vs NU

    In the last 1 year, Nu Holdings Ltd. has given 73.0% return, outperforming this stock by 101.0%

Institutional Holdings

  • BlackRock Inc

    5.76%
  • Vanguard Group Inc

    4.87%
  • Geode Capital Management, LLC

    1.89%
  • Citizens & Northern Corp

    1.88%
  • State Street Corporation

    1.47%
  • Hudock Moyer Wealth Resources, LLC

    0.86%

Company Information

our goal is to support the growth of the communities we serve. after all, community is in our name. we have a knack for hiring the finest and brightest employees, and understand how fostering their growth builds loyalty, impacting customer service. our employees are our strongest asset. so, we accommodate families, invest in our their future, and recognize hard work. undoubtedly, quality customer service is of the utmost importance to our staff. we concentrate our attention on carefully chosen customer service initiatives; providing customers with the ability to own their own home, send their children to college, and retire in a lifestyle to which they are accustomed. as the number one mortgage lender in the northern tier of pennsylvania, we do what no one else can for our customers! our extensive experience allows us to overcome obstacles that stand in the way of customer satisfaction. in fact, customer surveys consistently show 99% of customers would recommend us to their family and

Organization
Citizens Financial Services Inc
Employees
394
CEO
Mr. Randall E. Black
Industry
Regional Banks

FAQs