AUS Edition 
NZ Edition 
UK Edition 
CA Edition 
USA Edition 
FRA Edition 
GER Edition 
ESP Edition 
ITA Edition 
NLD Edition 
PRT Edition 
SWE Edition 
GRC Edition 
IND Edition 
POL Edition 
BRA Edition 
ZAF Edition 
RUS Edition 
CHN Edition 
UAE Edition 
⚠
✓
Citizens Financial Services Inc. Common Stock (NASDAQ:CZFS)
64.44 USD
+1.350 2.140%Sponsored Reports
Loading...
| Previous Close (in USD) | 63.09 |
|---|---|
| Change | +1.350 2.140% |
| 52 W H/L (in USD) | 89.386/38.910 |
| EBITDA (in USD) | -- |
| PE Ratio | 10.88 |
| Volume | 2670 |
| Diluted Eps TTM | 3.82 |
| Total Assets (in USD) | 2984.596M |
|---|---|
| Total Liabilities (in USD) | 2704.93M |
| Revenue TTM (in USD) | 91.227M |
| Cash (in USD) | 56.888M |
| Market Cap (in USD) | 195.623 M |
| Revenue Per Share TTM | 20.020 |
| Gross Profit TTM (in USD) | 80.081M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
Citizens Financial Services Inc. Common Stock
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include 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 incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
15 South Main Street, Mansfield, PA, United States, 16933
570 662 2121
Employees: 394
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Randall E. Black | Vice Chairman, Pres & CEO | 1967 |
| 2. | Mr. Stephen J. Guillaume | Sr. VP & CFO | 1977 |
| 3. | Mr. Mickey L. Jones CPA, CPA | Exec. VP, COO, Treasurer, Assistant Sec. & Director | 1961 |
| 4. | Ms. Kathleen M. Campbell CFMP | Sr. VP, CFMP & Director of Marketing of First Citizens National Bank | 1961 |
| 5. | Ms. Cynthia T. Pazzaglia | Sr. VP of HR | 1959 |
| 6. | Mr. Robert B. Mosso J.D., MBA | Sr. VP & Wealth Management Division Mang. of First Citizens Community Bank | 1971 |
| 7. | Marina Smalanaskas | Sr. VP & Southcentral Market Exec. | 1972 |
| 8. | Mr. Anthony Manerchia | Sr. VP & Chief Banking Officer | NA |
| 9. | Mr. Jeffrey L. Wilson | Exec. VP & Chief Lending Officer of First Citizens Community Bank | 1962 |
| 10. | Mr. Jeffrey B. Carr | Sr. VP & Chief Retail Banking Officer of First Citizens Community Bank | 1970 |
Peers
Sector: Financial Services
Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE(x) | Forward PE(x) | Price Sales TTM(x) | Price to Book Value(x) | Enterprise Value to Revenue(x) | Enterprise Value to EBITDA(x) |
|
HDB
HDFC Bank Limited ADR |
+0.360 0.473% | 76.65 | 20.810 | 20.964 | 0.108 | 4.772 | 0.000 | 0.000 |
|
CIHKY
China Merchants Bank Co Ltd |
-2.085 5.835% | 32.21 | 6.610 | 5.682 | 0.476 | 0.766 | 3.426 | 0.000 |
|
CIHHF
China Merchants Bank Co Ltd Class H |
0.000 0.000% | 6.5 | 6.100 | 5.672 | 0.439 | 0.765 | 3.426 | 0.000 |
|
IBN
ICICI Bank Limited |
+0.180 0.536% | 33.59 | 17.790 | 16.949 | 0.066 | 3.082 | 0.000 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 35.495M | 35.317M | 30.366M | 23.31M | 21.437M |
| Minority Interest | - | - | - | - | - |
| Net Income | 29.06M | 29.118M | 25.103M | 19.49M | 18.034M |
| Selling General Administrative | 28.513M | 27.745M | 25.821M | 20.531M | 19.511M |
| Gross Profit | 81.872M | 78.417M | 73.613M | 58.326M | 54.919M |
| Reconciled Depreciation | 0.156M | 0.192M | -2.822M | 0.498M | 0.387M |
| Ebit | 47.595M | 35.317M | 30.366M | 23.31M | 31.102M |
| Ebitda | 47.751M | 35.509M | 30.582M | 23.569M | 31.398M |
| Depreciation And Amortization | 0.156M | 0.192M | 0.216M | 0.259M | 0.296M |
| Operating Income | 47.595M | 35.317M | 30.366M | 23.31M | 31.011M |
| Other Operating Expenses | -34.277M | -43.1M | -43.247M | -35.016M | 19.511M |
| Interest Expense | 11.223M | 7.105M | 8.105M | 12.04M | 9.574M |
| Tax Provision | 6.435M | 6.199M | 5.263M | 3.82M | 3.403M |
| Interest Income | 82.734M | 72.839M | 69.898M | 61.483M | 56.311M |
| Net Interest Income | 71.511M | 65.734M | 61.793M | 49.443M | 46.737M |
| Income Tax Expense | 6.435M | 6.199M | 5.263M | 3.82M | 3.403M |
| Total Revenue | 81.872M | 78.417M | 73.613M | 58.326M | 54.919M |
| Total Operating Expenses | -34.277M | -43.1M | -43.247M | -35.016M | 19.511M |
| Cost Of Revenue | - | - | - | - | 0M |
| Total Other Income Expense Net | -12.1M | -7.105M | -8.105M | -12.04M | -9.574M |
| Net Income From Continuing Ops | 29.06M | 29.118M | 25.103M | 19.49M | 18.034M |
| Net Income Applicable To Common Shares | 29.06M | 29.118M | 25.103M | 19.49M | 18.034M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | 2984.596M | 2333.393M | 2143.863M | 1891.674M | 1466.339M |
| Intangible Assets | 3.65M | 1.272M | 1.627M | 1.668M | 1.346M |
| Other Current Assets | 68.474M | 8.057M | 1077.676M | 1160.91M | 906.32M |
| Total Liab | 2704.93M | 2133.246M | 1931.371M | 1697.415M | 1311.565M |
| Total Stockholder Equity | 279.666M | 200.147M | 212.492M | 194.259M | 154.774M |
| Other Current Liab | 1862.022M | -1.232M | -0.711M | -1.017M | -1.088M |
| Common Stock | 5.161M | 4.428M | 4.389M | 4.35M | 3.939M |
| Capital Stock | 5.161M | 4.428M | 4.389M | 4.35M | 3.939M |
| Retained Earnings | 172.975M | 164.922M | 146.01M | 126.627M | 110.8M |
| Good Will | 85.758M | 31.376M | 31.376M | 31.376M | 23.296M |
| Other Assets | 0M | 1362.308M | 1077.676M | 1160.91M | 906.32M |
| Cash | 56.888M | 32.266M | 183.859M | 82.465M | 32.776M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 2075.691M | 1.232M | 0.711M | 1.017M | 1.088M |
| Current Deferred Revenue | -4.298M | - | - | - | - |
| Net Debt | 276.336M | 225.012M | -109.882M | 6.373M | 52.341M |
| Short Term Debt | 213.669M | 257.278M | 73.977M | 88.838M | 38.798M |
| Short Long Term Debt | - | - | - | - | 38.798M |
| Short Long Term Debt Total | 333.224M | 257.278M | 73.977M | 88.838M | 85.117M |
| Other Stockholder Equity | 126.441M | 63.938M | 62.248M | 60.695M | 40.664M |
| Property Plant Equipment | - | 17.619M | 17.016M | 16.948M | 17.096M |
| Total Current Assets | 68.474M | 479.104M | 601.496M | 383.652M | 278.037M |
| Long Term Investments | 419.539M | 441.714M | 1841.185M | 1699.295M | 241.407M |
| Short Term Investments | 417.601M | 439.506M | 412.402M | 295.189M | 240.706M |
| Net Receivables | 11.043M | 7.332M | 5.235M | 5.998M | 4.555M |
| Long Term Debt | 322.036M | 257.278M | 73.977M | 88.838M | 85.117M |
| Inventory | 26.69M | 0.543M | 1.18M | 1.836M | 3.404M |
| Accounts Payable | 4.298M | 1.232M | 0.711M | 1.017M | 1.088M |
| Accumulated Other Comprehensive Income | -24.911M | -33.141M | -0.155M | 2.587M | -0.629M |
| Non Currrent Assets Other | 2725.467M | -12.886M | -464.691M | -347.112M | -281.982M |
| Non Current Assets Total | 2916.122M | 491.981M | 464.691M | 347.112M | 281.982M |
| Capital Lease Obligations | - | - | - | - | - |
| Long Term Debt Total | - | 9.726M | - | - | - |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Investments | -363.055M | -157.31M | -113.117M | -34.145M | -66.336M |
| Total Cashflows From Investing Activities | -362.452M | -158.232M | -110.734M | -32.323M | -72.351M |
| Total Cash From Financing Activities | 182.59M | 223.665M | 149.099M | 12.279M | 49.145M |
| Net Income | 29.06M | 29.118M | 25.103M | 19.49M | 18.034M |
| Change In Cash | -146.622M | 104.126M | 50.187M | 1.723M | -1.72M |
| Begin Period Cash Flow | 172.833M | 68.707M | 18.52M | 16.797M | 18.517M |
| End Period Cash Flow | 26.211M | 172.833M | 68.707M | 18.52M | 16.797M |
| Total Cash From Operating Activities | 33.24M | 38.693M | 11.822M | 21.767M | 21.486M |
| Depreciation | 1.033M | 1.113M | -2.822M | 0.498M | 0.387M |
| Other Cashflows From Investing Activities | 2.237M | 0.183M | 3.325M | 2.305M | -5.515M |
| Dividends Paid | -7.588M | -7.383M | -6.539M | -6.315M | 6.116M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | -1.279M | -1.374M | -2.122M | -1.291M | -1.482M |
| Other Cashflows From Financing Activities | 188.412M | 254.233M | 172.634M | 12.221M | 47.534M |
| Capital Expenditures | 1.634M | 1.105M | 0.942M | 0.483M | 0.5M |
| Change In Working Capital | -1.576M | 0.458M | -1.092M | -0.091M | -0.077M |
| Other Non Cash Items | 4.423M | 6.701M | -10.207M | 1.184M | 3.269M |
| Free Cash Flow | 31.606M | 37.588M | 10.88M | 21.284M | 20.986M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Total Stock Mkt Idx Inv | 1 year ago | 140718 |
| 2. | iShares Russell 2000 ETF | 1 year ago | 94197 |
| 3. | Vanguard Institutional Extnd Mkt Idx Tr | 1 year ago | 61559 |
| 4. | Fidelity Small Cap Index | 1 year ago | 38222 |
| 5. | iShares Russell 2000 Value ETF | 1 year ago | 28845 |
| 6. | Fidelity Extended Market Index | 1 year ago | 25482 |
| 7. | Schwab US Small-Cap ETF™ | 1 year ago | 22172 |
| 8. | State St Russell Sm/Mid Cp® Indx NL Cl C | 1 year ago | 18406 |
| 9. | VT De Lisle America B USD | 1 year ago | 15202 |
| 10. | Vanguard Russell 2000 ETF | 1 year ago | 14233 |
| 11. | State St Russell Sm Cap® Indx SL Cl I | 1 year ago | 12400 |
| 12. | BlackRock Extended Mkt Composite | 1 year ago | 11844 |
| 13. | NT R2000 Index Fund - NL | 1 year ago | 10544 |
| 14. | BlackRock Extended Equity Market K | 1 year ago | 10239 |
| 15. | Schwab Small Cap Index | 1 year ago | 8765 |
| 16. | Fidelity Total Market Index | 1 year ago | 8516 |
| 17. | NT R2000 Index Fund - DC - NL - 2 | 1 year ago | 8373 |
| 18. | NT R2000 Value Index Fund - NL | 1 year ago | 8333 |
| 19. | iShares Micro-Cap ETF | 1 year ago | 8104 |
| 20. | Invesco FTSE RAFI US 1500 Small-Mid ETF | 1 year ago | 7327 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | BlackRock Inc | 1 year ago | 281347 |
| 2. | Vanguard Group Inc | 1 year ago | 229271 |
| 3. | Citizens & Northern Corp | 1 year ago | 88522 |
| 4. | Geode Capital Management, LLC | 1 year ago | 87794 |
| 5. | State Street Corporation | 1 year ago | 68401 |
| 6. | Hudock Moyer Wealth Resources, LLC | 1 year ago | 40401 |
| 7. | Northern Trust Corp | 1 year ago | 36326 |
| 8. | Charles Schwab Investment Management Inc | 1 year ago | 35060 |
| 9. | Jfs Wealth Advisors, LLC | 1 year ago | 29909 |
| 10. | Bank of New York Mellon Corp | 1 year ago | 20187 |
| 11. | Weatherly Asset Management LP | 1 year ago | 9656 |
| 12. | Millennium Management LLC | 1 year ago | 8270 |
| 13. | Nuveen Asset Management, LLC | 1 year ago | 8039 |
| 14. | Minerva Advisors LLC | 1 year ago | 7726 |
| 15. | Morgan Stanley - Brokerage Accounts | 1 year ago | 7458 |
| 16. | American Century Companies Inc | 1 year ago | 7416 |
| 17. | Commonwealth Equity Services Inc | 1 year ago | 6056 |
| 18. | Bank of America Corp | 1 year ago | 5743 |
| 19. | Dimensional Fund Advisors, Inc. | 1 year ago | 5691 |
| 20. | LPL Financial Corp | 1 year ago | 5605 |
Data Powered by EOD Historical Data (“EODHD”). All CFDs (stocks, indices, mutual funds, ETFs), and Forex are not provided by exchanges but rather by market makers, and so prices may not be accurate and may differ from the actual market price, meaning prices are indicative and not appropriate for trading purposes. EODHD is not using exchanges data feeds for the pricing data, EODHD is using OTC, peer to peertrades and trading platforms over 100+ sources, EODHD is aggregating its data feeds via VWAP method. Therefore, EOD Historical Data doesn’t bear any responsibility for any trading losses you might incur as a result of using this data. EOD Historical Data or anyone involved with EOD Historical Data will not accept any liability for loss or damage as a result of reliance on the information including data, quotes, charts and buy/sell signals contained within this website. Please be fully informed regarding the risks and costs associated with trading the financial markets, it is one of the riskiest investment forms possible. EOD Historical Data does not give any warranties (including, without limitation, as to merchantability or fitness for a particular purpose or use).
Sponsored Articles
Loading...
Related Articles
Loading...