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Citizens Financial Services Inc. Common Stock

Citizens Financial Services Inc. Common Stock

CZFS · NASDAQ · Financial Services / Banks - Regional

85.15USD-0.33 (-0.39%)

Price History

Full chart

Market Stats

Previous Close85.48
Open85.73
Day Range84.47 – 85.73
52-Week Range50.79 – 84.14
Volume12.77K
Market Cap381.57M
P/E (TTM)9.21
Forward P/E9.27
EPS8.61
Dividend Yield2.57%
Beta0.38
50-Day Avg79.84
200-Day Avg67.94

About

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Randall E. Black
  • Employees388
  • Headquarters15 South Main Street, Mansfield, PA, United States, 16933, USA
  • Websitehttps://www.firstcitizensbank.com

Leadership

  • Mr. Randall E. BlackPresident, CEO & Vice Chairman · b. 1967
  • Mr. Stephen J. GuillaumeExecutive VP, CFO & Treasurer · b. 1977
  • Mr. Jeffrey R. WhiteExecutive VP & COO · b. 1985
  • Mr. David Z. Richards Jr.Senior EVP, Director of Emerging Markets & Director · b. 1961
  • Ms. Kathleen M. Campbell CFMPSenior VP, CFMP & Director of Marketing of First Citizens National Bank · b. 1961
  • Ms. Cynthia T. PazzagliaSenior Vice President of Human Resources · b. 1959
  • Marina SmalanaskasSenior VP & Southcentral Market Executive · b. 1972
  • Ms. Gina Marie BoorCorporate Secretary
  • Mr. Jeffrey B. CarrSenior VP & Chief Retail Banking Officer of First Citizens Community Bank · b. 1970

Financials

Income Statement

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue9.23M9.34M11.27M12.46M14.27M14.43M26.17M28.89M33.31M32.42M30.93M30.90M33.39M37.57M41.11M38.39M44.46M45.30M45.21M46.05M43.66M42.65M43.08M50.90M56.75M64.49M70.37M81.72M85.52M93.09M138.72M168.62M173.24M
Growth (%)-+1.09%+20.69%+10.62%+14.51%+1.13%+81.32%+10.38%+15.33%-2.67%-4.61%-0.09%+8.06%+12.52%+9.43%-6.60%+15.80%+1.88%-0.19%+1.87%-5.20%-2.31%+1.01%+18.17%+11.48%+13.65%+9.11%+16.13%+4.66%+8.86%+49.01%+21.55%+2.75%
Cost of Revenue8.17M8.20M10.01M11.07M11.82M12.14M12.54M14.85M14.75M10.84M9.26M9.23M11.06M15.28M17.29M14.39M14.16M12.60M10.36M8.08M6.72M5.54M5.30M6.56M8.38M11.50M13.71M10.51M8.65M12.91M52.39M70.45M63.54M
Gross Profit1.07M1.14M1.25M1.39M2.45M2.29M13.63M14.04M18.56M21.58M21.67M21.66M22.33M22.28M23.82M24.01M30.31M32.70M34.85M37.97M36.94M37.11M37.78M44.34M48.37M52.99M56.65M71.21M76.87M80.19M86.34M98.17M109.70M
Gross Margin11.54%12.17%11.11%11.16%17.18%15.90%52.08%48.60%55.72%66.57%70.06%70.11%66.87%59.32%57.95%62.53%68.16%72.19%77.09%82.46%84.61%87.01%87.70%87.11%85.23%82.17%80.51%87.14%89.88%86.14%62.24%58.22%63.32%
Operating Expense-2.27M-2.65M-2.74M-2.92M-3.05M-2.74M9.03M10.19M14.04M14.23M15.50M14.92M15.39M15.03M15.31M15.88M17.76M18.04M18.41M19.43M19.81M20.16M23.43M28.67M29.31M31.56M33.34M40.85M41.55M44.69M64.82M64.48M64.61M
Operating Income3.33M3.78M4.00M4.31M5.50M5.03M4.60M3.85M4.52M7.36M6.17M6.74M6.94M7.26M8.51M8.13M12.55M14.66M16.44M18.55M17.13M16.94M14.35M15.67M19.06M21.44M23.31M30.37M35.32M35.49M21.52M33.68M45.09M
Operating Margin36.08%40.52%35.46%34.58%38.57%34.86%17.56%13.33%13.57%22.69%19.93%21.82%20.79%19.32%20.70%21.17%28.22%32.36%36.37%40.27%39.23%39.73%33.31%30.79%33.58%33.24%33.13%37.16%41.30%38.13%15.51%19.98%26.03%
EBITDA3.77M4.22M4.41M4.75M6.09M5.79M5.73M5.05M6.69M9.49M8.65M9.10M8.98M8.53M9.37M8.77M13.20M15.12M16.91M18.97M17.55M17.42M14.81M15.99M19.26M21.82M24.35M31.50M36.43M36.53M23.04M35.49M45.09M
EBITDA Margin40.83%45.24%39.12%38.13%42.69%40.13%21.90%17.50%20.08%29.28%27.98%29.44%26.89%22.69%22.80%22.84%29.69%33.37%37.41%41.18%40.21%40.84%34.38%31.42%33.93%33.84%34.61%38.55%42.60%39.24%16.61%21.05%26.03%
Net Income2.42M2.63M2.83M3.00M3.83M3.49M3.55M3.21M3.76M5.59M4.88M5.27M5.27M5.80M6.74M6.91M9.86M11.50M12.83M14.21M13.38M13.38M11.63M12.64M13.03M18.03M19.49M25.10M29.12M29.06M17.81M27.82M36.57M
Net Income Margin26.25%28.12%25.16%24.10%26.85%24.17%13.58%11.11%11.28%17.26%15.78%17.05%15.80%15.44%16.39%17.98%22.19%25.39%28.38%30.87%30.64%31.39%26.99%24.83%22.95%27.96%27.70%30.72%34.05%31.22%12.84%16.50%21.11%
Interest Expense7.85M7.94M9.85M10.87M11.61M11.92M12.07M14.24M14.31M10.40M8.83M9.23M11.00M14.95M16.92M14.06M13.23M11.34M9.68M7.66M6.32M4.95M4.82M5.04M5.84M9.57M12.04M8.11M7.11M11.22M46.86M67.86M61.17M
Interest Expense % of Total Revenue85.04%85.10%87.44%87.19%81.35%82.59%46.11%49.29%42.94%32.09%28.54%29.89%32.95%39.80%41.16%36.62%29.76%25.04%21.42%16.63%14.47%11.61%11.19%9.90%10.29%14.85%17.11%9.92%8.31%12.06%33.78%40.25%35.31%

Balance Sheet

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets216.24M232.54M247.09M282.81M294.81M313.56M340.78M413.33M421.11M432.66M463.88M499.35M529.24M572.17M591.03M668.61M729.48M812.53M878.57M882.43M914.93M925.05M1.16B1.22B1.36B1.43B1.47B1.89B2.14B2.33B2.98B3.03B3.06B
Total Liabilities197.90M213.63M225.80M259.91M268.89M284.97M313.70M382.78M387.72M394.25M425.35M458.56M487.68M528.67M542.50M615.84M667.95M743.84M797.10M792.95M822.88M824.52M1.04B1.10B1.23B1.29B1.31B1.70B1.93B2.13B2.70B2.73B2.73B
Total Equity18.34M18.90M21.30M22.90M25.92M28.60M27.08M30.55M33.39M38.41M38.53M40.79M41.56M43.50M48.53M52.77M61.53M68.69M81.47M89.47M92.06M100.53M119.76M123.27M129.01M139.23M154.77M194.26M212.49M200.15M279.67M299.73M338.05M
Cash5.61M5.51M5.57M6.46M6.34M7.30M8.52M27.62M11.48M11.59M9.95M9.34M8.61M10.02M10.39M19.86M31.45M43.99M30.43M26.33M12.56M17.38M32.08M24.71M28.80M32.30M32.78M82.47M183.86M32.27M56.89M46.02M38.11M
Total Debt3.87M16.03M8.86M15.82M6.86M7.33M25.85M11.20M13.31M17.03M35.30M34.98M82.24M75.78M80.35M61.20M54.12M56.00M53.88M46.13M66.93M41.80M41.63M79.66M114.66M91.19M85.12M88.84M73.98M257.28M302.04M297.72M309.45M
Net Debt-1.74M10.52M3.28M9.36M521.00K29.00K17.33M-16.41M1.83M5.43M25.34M25.64M73.63M65.76M69.96M41.35M22.67M12.00M23.45M19.79M54.37M24.42M9.55M54.95M85.86M58.90M52.34M6.37M-109.88M225.01M245.15M251.70M271.34M

Cash Flow

Currency: USD1993-12-311994-12-311995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.61M3.76M3.67M3.75M5.84M4.64M4.89M3.91M3.56M8.44M8.63M7.17M7.82M7.01M8.07M10.41M9.93M12.82M15.56M14.81M17.82M16.18M12.81M16.19M15.74M21.49M21.77M11.82M38.69M33.24M26.54M33.18M36.53M
Investing Cash Flow-14.85M-18.43M-14.14M-35.49M-12.01M-20.11M-30.29M-51.48M-22.71M-12.70M-38.02M-38.63M-34.17M-41.76M-18.68M-69.36M-46.89M-73.75M-76.14M-8.17M-60.94M-8.22M19.06M-70.08M-105.42M-72.35M-32.32M-110.73M-158.23M-362.45M59.47M-69.07M-40.08M
Financing Cash Flow11.14M14.57M10.54M32.64M6.06M16.43M26.62M66.67M3.01M4.38M27.75M30.85M25.63M36.15M10.99M68.42M48.55M73.48M47.01M-10.74M26.87M-6.62M-18.91M47.25M90.45M49.15M12.28M149.10M223.66M182.59M-59.40M25.27M-4.37M
Capital Expenditure000250.00K001.04M5.72M2.09M473.00K490.00K2.32M1.31M930.00K462.00K1.13M1.57M1.29M682.00K438.00K328.00K1.31M776.00K587.00K208.00K500.00K483.00K942.00K1.10M1.63M2.62M1.31M1.30M
Free Cash Flow2.61M3.76M3.67M3.50M5.84M4.64M3.85M-1.81M1.48M7.97M8.14M4.85M6.51M6.08M7.61M9.27M8.36M11.52M14.88M14.37M17.49M14.87M12.04M15.61M15.53M20.99M21.28M10.88M37.59M31.61M23.92M31.87M35.24M
Dividends Paid992.00K1.06M1.12M1.19M1.60M1.45M1.57M1.66M1.79M1.92M2.10M2.21M2.33M2.44M2.55M2.81M2.95M3.16M3.15M4.60M3.56M6.12M5.15M5.08M5.18M6.12M6.32M6.54M7.38M7.59M8.50M9.30M9.55M
FCF to OCF100.00%100.00%100.00%93.32%100.00%100.00%78.81%-46.42%41.44%94.40%94.32%67.64%83.29%86.74%94.27%89.12%84.22%89.92%95.62%97.04%98.16%91.91%93.94%96.38%98.68%97.67%97.78%92.03%97.14%95.08%90.14%96.04%96.45%
Dividend Paid to FCF38.01%28.10%30.59%33.96%27.32%31.25%40.67%-91.51%121.00%24.07%25.84%45.57%35.87%40.13%33.52%30.35%35.30%27.44%21.15%32.01%20.34%41.17%42.80%32.56%33.33%29.14%29.67%60.10%19.64%24.01%35.55%29.19%27.10%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jul 28, 2009Nov 12, 2009Jan 27, 2010Apr 26, 2010Jul 23, 2010Nov 1, 2010Jan 26, 2011Apr 28, 2011Aug 15, 2011Oct 24, 2011Jan 24, 2012Apr 24, 2012Jul 25, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Oct 28, 2015Feb 4, 2016Apr 27, 2016Jul 29, 2016Oct 26, 2016Jan 27, 2017Apr 26, 2017Jul 25, 2017Oct 26, 2017Jan 31, 2018Apr 27, 2018Jul 25, 2018Oct 23, 2018Jan 25, 2019Apr 25, 2019Jul 23, 2019Oct 23, 2019Jan 23, 2020Apr 24, 2020Jul 27, 2020Oct 23, 2020Jan 25, 2021Apr 23, 2021Jul 23, 2021Oct 22, 2021Jan 21, 2022Apr 20, 2022Jul 21, 2022Oct 24, 2022Jan 30, 2023Apr 27, 2023Jul 31, 2023Oct 23, 2023Jan 30, 2024Apr 25, 2024Jul 30, 2024Oct 30, 2024Jan 30, 2025Apr 30, 2025Jul 30, 2025Oct 30, 2025Jan 29, 2026Apr 29, 2026Jul 30, 2026Oct 29, 2026
EPS Estimate------------------------------------------------------------------------1.020.950.561.061.111.201.231.261.171.311.321.000.821.701.751.571.671.671.731.671.691.831.901.80-0.021.541.591.521.301.371.521.481.601.762.071.981.982.20
EPS Actual0.220.240.250.230.250.210.250.240.240.210.270.230.340.350.380.360.360.210.350.400.390.380.240.340.350.350.370.340.400.420.410.380.480.480.510.560.68-0.290.970.650.750.700.780.810.860.860.870.840.931.001.031.031.120.981.000.930.931.000.940.910.960.971.000.900.920.880.740.910.850.880.890.930.960.971.101.131.251.221.201.181.301.451.391.311.321.941.761.781.621.721.691.641.691.841.931.731.501.641.571.461.291.571.661.581.762.092.182.162.12-
Surprise-------------------------------------------------------------------------5.78%2.11%96.43%6.60%12.61%1.67%-2.44%-6.35%11.11%10.69%5.30%31.00%60.98%14.12%0.57%13.38%-2.99%2.99%-2.31%-1.80%0.00%0.55%1.58%-3.89%7600.00%6.49%-1.26%-3.95%-0.77%14.60%9.21%6.76%10.00%18.75%5.31%9.09%7.07%-
Timing----------------------------------------Pre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap381.57M
Enterprise Value730.03M
Trailing P/E9.21
Forward P/E9.27
PEG Ratio0.00
Price / Sales3.33
Price / Book1.10
EPS8.61
Book Value73.37
Revenue (TTM)114.76M
Gross Profit (TTM)114.76M
Profit Margin35.77%
Operating Margin44.54%
Return on Equity12.32%
Return on Assets1.33%
Shares Outstanding4.81M
Shares Float4.49M
Beta0.38
Dividend Yield2.57%
Dividend Rate2.04
Payout Ratio23.63%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 89.00
  • Strong Buy
    1

Ownership Breakdown

Institutions
31.61%
Insiders
6.36%
Retail / Other
62.03%

Top Institutional Holders

  • BlackRock Inc
    331.29K6.89%
  • Vanguard Capital Management, LLC
    201.70K4.19%
  • Citizens & Northern Corp
    117.06K2.43%
  • Geode Capital Management, LLC
    112.46K2.34%
  • State Street Corp
    93.93K1.95%
  • Hudock Moyer Wealth Resources, LLC
    78.09K1.62%
  • American Century Companies Inc
    44.11K0.92%
  • Charles Schwab Investment Management Inc
    37.62K0.78%
  • Northern Trust Corp
    37.09K0.77%
  • Dimensional Fund Advisors, Inc.
    31.64K0.66%
  • Vanguard Fiduciary Trust Co
    30.55K0.64%
  • Vanguard Portfolio Management, LLC
    26.11K0.54%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    141.03K2.93%
  • iShares Russell 2000 ETF
    119.32K2.48%
  • Avantis US Small Cap Value ETF
    60.91K1.27%
  • Fidelity Small Cap Index
    50.99K1.06%
  • iShares Russell 2000 Value ETF
    43.19K0.90%
  • Vanguard Russell 2000 ETF
    26.63K0.55%
  • Fidelity Extended Market Index
    24.71K0.51%
  • Schwab US Small-Cap ETF™
    23.03K0.48%

Dividends

20263×
0.51Sep 11, 20260.51Jun 12, 20260.50Mar 13, 2026
20254×
0.50Dec 12, 20250.50Sep 12, 20250.49Jun 13, 20250.49Mar 14, 2025
20244×
0.49Dec 13, 20240.49Sep 13, 20240.48Jun 14, 20240.49Mar 14, 2024
20234×
0.49Dec 14, 20230.49Sep 14, 20230.48Jun 8, 20230.48Mar 9, 2023
20224×
0.47Dec 15, 20220.47Sep 15, 20220.47Jun 9, 20220.46Mar 10, 2022
20214×
0.46Dec 15, 20210.46Sep 15, 20210.45Jun 10, 20210.45Mar 11, 2021
20201×
0.45Dec 14, 2020

Stock Splits

  • Jun 14, 2024101:100
  • Jun 8, 2023101:100
  • Jun 9, 2022101:100
  • Jun 14, 2018101:100
  • Jun 18, 2014101:100
  • Jun 19, 201321:20
  • Jul 18, 2012101:100
  • Jul 15, 2009101:100
  • Jul 9, 2008101:100
  • Jul 11, 2007101:100
  • Jul 12, 2006101:100
  • Jul 13, 2005101:100
  • Jul 9, 2003101:100
  • Jul 10, 2002101:100
  • Jul 19, 2001101:100