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Citizens Financial Services Inc. Common Stock (NASDAQ:CZFS)
66.52 USD
-3.130 4.494%Sponsored Reports
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| Previous Close (in USD) | 69.65 |
|---|---|
| Change | -3.130 4.494% |
| 52 W H/L (in USD) | 69.580/48.791 |
| EBITDA (in USD) | -- |
| PE Ratio | 9.06 |
| Volume | 4783 |
| Diluted Eps TTM | 7.62 |
| Total Assets (in USD) | 3064.564M |
|---|---|
| Total Liabilities (in USD) | 2726.513M |
| Revenue TTM (in USD) | 109.97M |
| Cash (in USD) | 34.291M |
| Market Cap (in USD) | 331.698 M |
| Revenue Per Share TTM | 22.922 |
| Gross Profit TTM (in USD) | 109.97M |
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 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.
15 South Main Street, Mansfield, PA, United States, 16933
570 662 2121
Employees: 373
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 |
+0.570 2.358% | 24.52 | 20.810 | 20.964 | 0.108 | 4.772 | 0.000 | 0.000 |
|
CIHKY
China Merchants Bank Co Ltd |
+0.290 0.921% | 31.845 | 7.780 | 7.645 | 0.562 | 0.901 | 3.617 | 0.000 |
|
DBSDF
DBS Group Holdings Ltd |
+1.560 3.192% | 51.17 | 15.290 | 14.409 | 5.843 | 2.364 | 10.400 | 0.000 |
|
CIHHF
China Merchants Bank Co Ltd Class H |
0.000 0.000% | 6.08 | 6.100 | 5.672 | 0.439 | 0.765 | 3.426 | 0.000 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Income Before Tax | 45.088M | 33.683M | 21.515M | 35.495M | 35.317M |
| Minority Interest | - | - | - | - | - |
| Net Income | 36.572M | 27.818M | 17.811M | 29.06M | 29.118M |
| Selling General Administrative | 45.91M | 41.343M | 36.465M | 28.513M | 27.745M |
| Gross Profit | 109.703M | 98.167M | 86.337M | 81.872M | 78.417M |
| Reconciled Depreciation | 2.104M | 1.806M | 1.52M | 0.156M | 0.192M |
| Ebit | - | 33.683M | 21.515M | 47.595M | 35.317M |
| Ebitda | 45.088M | 35.489M | 23.035M | 47.751M | 35.509M |
| Depreciation And Amortization | - | 1.806M | 1.52M | 0.156M | 0.192M |
| Operating Income | 45.088M | 33.683M | 21.515M | 47.595M | 35.317M |
| Other Operating Expenses | 128.157M | 134.933M | 117.208M | -34.277M | -43.1M |
| Interest Expense | 61.167M | 67.862M | 46.858M | 11.223M | 7.105M |
| Tax Provision | 8.666M | 5.865M | 3.704M | 6.435M | 6.199M |
| Interest Income | 157.468M | 152.767M | 125.711M | 82.734M | 72.839M |
| Net Interest Income | 96.301M | 84.905M | 78.853M | 71.511M | 65.734M |
| Income Tax Expense | 8.516M | 5.865M | 3.704M | 6.435M | 6.199M |
| Total Revenue | 173.245M | 168.616M | 138.723M | 81.872M | 78.417M |
| Total Operating Expenses | 64.615M | 64.484M | 64.822M | -34.277M | -43.1M |
| Cost Of Revenue | 63.542M | 70.449M | 52.386M | - | - |
| Total Other Income Expense Net | - | -118.035M | -21.141M | -12.1M | -7.105M |
| Net Income From Continuing Ops | 36.572M | 27.818M | 17.811M | 29.06M | 29.118M |
| Net Income Applicable To Common Shares | - | - | - | 29.06M | 29.118M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Total Assets | 3064.564M | 3025.724M | 2984.596M | 2333.393M | 2143.863M |
| Intangible Assets | 2.221M | 2.892M | 3.65M | 1.272M | 1.627M |
| Other Current Assets | - | - | 68.474M | 8.057M | 1077.676M |
| Total Liab | 2726.513M | 2725.99M | 2704.93M | 2133.246M | 1931.371M |
| Total Stockholder Equity | 338.051M | 299.734M | 279.666M | 200.147M | 212.492M |
| Other Current Liab | 2376.979M | 2382.028M | 1862.022M | -1.232M | -0.711M |
| Common Stock | 5.256M | 5.208M | 5.161M | 4.428M | 4.389M |
| Capital Stock | 5.256M | 5.208M | 5.161M | 4.428M | 4.389M |
| Retained Earnings | 213.623M | 189.443M | 172.975M | 164.922M | 146.01M |
| Good Will | 85.758M | 85.758M | 85.758M | 31.376M | 31.376M |
| Other Assets | 2454.417M | 2422.059M | 0M | 1362.308M | 1077.676M |
| Cash | 34.291M | 46.022M | 56.888M | 32.266M | 183.859M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 2395.606M | 2411.631M | 2075.691M | 1.232M | 0.711M |
| Current Deferred Revenue | - | - | -4.298M | - | - |
| Net Debt | 275.157M | 251.699M | 276.336M | 225.012M | -109.882M |
| Short Term Debt | 15.497M | 24.91M | 213.669M | 257.278M | 73.977M |
| Short Long Term Debt | 0M | 7.572M | - | - | - |
| Short Long Term Debt Total | 309.448M | 297.721M | 333.224M | 257.278M | 73.977M |
| Other Stockholder Equity | 131.549M | 128.604M | 126.441M | 63.938M | 62.248M |
| Property Plant Equipment | - | - | - | 17.619M | 17.016M |
| Total Current Assets | 489.73M | 103.446M | 68.474M | 479.104M | 601.496M |
| Long Term Investments | 446.556M | 427.659M | 419.539M | 441.714M | 1841.185M |
| Short Term Investments | 444.741M | 47.117M | 417.601M | 439.506M | 412.402M |
| Net Receivables | 10.698M | 10.307M | 11.043M | 7.332M | 5.235M |
| Long Term Debt | 293.951M | 272.811M | 322.036M | 257.278M | 73.977M |
| Inventory | - | - | 26.69M | 0.543M | 1.18M |
| Accounts Payable | 3.13M | 4.693M | 4.298M | 1.232M | 0.711M |
| Accumulated Other Comprehensive Income | -12.377M | -23.521M | -24.911M | -33.141M | -0.155M |
| Non Currrent Assets Other | -2743.198M | 104.972M | 2725.467M | -12.886M | -464.691M |
| Non Current Assets Total | 120.417M | 2922.278M | 2916.122M | 491.981M | 464.691M |
| Capital Lease Obligations | - | - | - | - | - |
| Long Term Debt Total | - | - | - | 9.726M | - |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2025 | 31-12-2024 | 31-12-2023 | 31-12-2022 | 31-12-2021 |
|---|---|---|---|---|---|
| Investments | -5.821M | -69.073M | 59.465M | -363.055M | -157.31M |
| Total Cashflows From Investing Activities | -40.076M | -69.073M | 59.465M | -362.452M | -158.232M |
| Total Cash From Financing Activities | -4.369M | 25.275M | -59.395M | 182.59M | 223.665M |
| Net Income | 36.572M | 27.818M | 17.811M | 29.06M | 29.118M |
| Change In Cash | -7.911M | -10.616M | 26.607M | -146.622M | 104.126M |
| Begin Period Cash Flow | 42.202M | 52.818M | 26.211M | 172.833M | 68.707M |
| End Period Cash Flow | 34.291M | 42.202M | 52.818M | 26.211M | 172.833M |
| Total Cash From Operating Activities | 36.534M | 33.182M | 26.537M | 33.24M | 38.693M |
| Depreciation | 2.104M | 1.806M | 1.52M | 1.033M | 1.113M |
| Other Cashflows From Investing Activities | -40.076M | -68.187M | -40.533M | 2.237M | 0.183M |
| Dividends Paid | 9.548M | 9.302M | 8.503M | -7.588M | -7.383M |
| Change To Inventory | - | - | - | - | - |
| Sale Purchase Of Stock | -0.545M | -0.266M | -0.265M | -1.279M | -1.374M |
| Other Cashflows From Financing Activities | -5.049M | 60.564M | -56.092M | 188.412M | 254.233M |
| Capital Expenditures | 1.296M | 1.314M | 2.617M | 1.634M | 1.105M |
| Change In Working Capital | -1.954M | 1.131M | 0.696M | -1.576M | 0.458M |
| Other Non Cash Items | 1.916M | 0.244M | 5.606M | 4.423M | 6.701M |
| Free Cash Flow | 35.238M | 31.868M | 23.92M | 31.606M | 37.588M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | Vanguard Total Stock Mkt Idx Inv | 2 months ago | 140013 |
| 2. | iShares Russell 2000 ETF | 2 months ago | 116480 |
| 3. | Vanguard Institutional Extnd Mkt Idx Tr | 2 months ago | 55612 |
| 4. | Fidelity Small Cap Index | 4 months ago | 45311 |
| 5. | iShares Russell 2000 Value ETF | 2 months ago | 36107 |
| 6. | Avantis US Small Cap Value ETF | 2 months ago | 33903 |
| 7. | Russell 2000 Equity Index Fund B | 5 months ago | 29502 |
| 8. | State St Russell Sm/Mid Cp® Indx SL Cl I | 2 months ago | 29322 |
| 9. | Fidelity Extended Market Index | 3 months ago | 25772 |
| 10. | Schwab US Small-Cap ETF™ | 2 months ago | 23392 |
| 11. | Vanguard Russell 2000 ETF | 2 months ago | 22387 |
| 12. | VT De Lisle America B USD | 2 months ago | 20519 |
| 13. | State St Russell Sm Cap® Indx SL Cl I | 3 months ago | 12953 |
| 14. | Extended Equity Market Fund B | 5 months ago | 12024 |
| 15. | Extended Equity Market Fund E | 5 months ago | 12024 |
| 16. | Blackrock Extended Mkt Fund CF | 3 months ago | 11967 |
| 17. | Segall Bryant Quantitative US Small Cap | 8 months ago | 11824 |
| 18. | iShares Micro-Cap ETF | 2 months ago | 11444 |
| 19. | Extended Equity Market Fund K | 2 months ago | 10190 |
| 20. | Schwab Small Cap Index | 2 months ago | 9915 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | BlackRock Inc | 8 months ago | 320509 |
| 2. | Vanguard Group Inc | 5 months ago | 253399 |
| 3. | Citizens & Northern Corp | 8 months ago | 117081 |
| 4. | Geode Capital Management, LLC | 5 months ago | 110866 |
| 5. | State Street Corp | 8 months ago | 99746 |
| 6. | Hudock Moyer Wealth Resources, LLC | 5 months ago | 39924 |
| 7. | Charles Schwab Investment Management Inc | 5 months ago | 39013 |
| 8. | Northern Trust Corp | 8 months ago | 37531 |
| 9. | American Century Companies Inc | 5 months ago | 27890 |
| 10. | Dimensional Fund Advisors, Inc. | 5 months ago | 24475 |
| 11. | Cyndeo Wealth Partners LLC | 5 months ago | 16185 |
| 12. | Segall Bryant & Hamill | 5 months ago | 16148 |
| 13. | Bank of New York Mellon Corp | 8 months ago | 14049 |
| 14. | Millennium Management LLC | 5 months ago | 13206 |
| 15. | LAWOOD & CO | 2 months ago | 10726 |
| 16. | Trexquant Investment LP | 5 months ago | 10614 |
| 17. | Quantinno Capital Management LP | 5 months ago | 10225 |
| 18. | Citadel Advisors Llc | 5 months ago | 9280 |
| 19. | JPMorgan Chase & Co | 8 months ago | 9182 |
| 20. | Wayne Hummer Asset Mgmt Company | 5 months ago | 9117 |
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