Stock CZFS CITIZENS FINANCIAL SERVICES, INC.
Add to a list
To use this feature you must be a member
Log inSign up

Financials Citizens Financial Services, Inc.

Equities

CZFS

US1746151042

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
40 USD -5.15% Intraday chart for Citizens Financial Services, Inc. -11.11% -38.20%
Apr. 25 Earnings Flash (CZFS) CITIZENS FINANCIAL SERVICES Reports Q1 EPS $1.49 MT
Apr. 25 Citizens Financial Services, Inc. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 216.8 219.6 239.4 304.7 304.6 188.3 -
Enterprise Value (EV) 1 216.8 219.6 239.4 304.7 304.6 188.3 188.3
P/E ratio 11.1 x 8.5 x 8.22 x 10.5 x 15.9 x 6.02 x 5.63 x
Yield - 3.43% 3.07% 2.48% 3% 5% 5.1%
Capitalization / Revenue 4.24 x 3.53 x 3.57 x 4.17 x 3.75 x 2.05 x 1.95 x
EV / Revenue 4.24 x 3.53 x 3.57 x 4.17 x 3.75 x 2.05 x 1.95 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - 1.15 x 1.13 x 1.31 x 1 x 0.62 x 0.58 x
Nbr of stocks (in thousands) 3,668 4,041 4,024 4,011 4,706 4,707 -
Reference price 2 59.10 54.35 59.49 75.96 64.72 40.00 40.00
Announcement Date 1/23/20 1/25/21 1/21/22 1/30/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 51.09 62.19 67.04 73.14 81.32 91.9 96.4
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 23.31 30.37 35.32 - 21.52 39.4 42
Net income 1 19.49 25.1 29.12 29.06 17.81 31.3 33.4
Net margin 38.15% 40.36% 43.44% 39.73% 21.9% 34.06% 34.65%
EPS 2 5.314 6.396 7.235 7.248 4.060 6.650 7.100
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - 1.864 1.824 1.882 1.941 2.000 2.040
Announcement Date 1/23/20 1/25/21 1/21/22 1/30/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 16.59 17.09 16.48 17.98 18.85 19.56 18.08 18.19 22.4 22.11 20.96 22.9 23.4 23.5 23.4
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 8.642 8.498 8.212 8.383 9.199 9.701 8.476 -5.332 9.147 9.224 8.501 9.6 10.1 10.5 9.9
Net income 1 7.064 6.944 6.74 6.901 7.544 7.875 6.867 -4.144 7.548 7.54 7.024 7.6 8 8.4 7.9
Net margin 42.58% 40.64% 40.89% 38.38% 40.03% 40.25% 37.98% -22.78% 33.69% 34.11% 33.51% 33.19% 34.19% 35.74% 33.76%
EPS 2 1.755 1.725 1.676 1.723 1.881 1.970 1.713 -1.010 1.610 1.600 1.490 1.620 1.700 1.780 1.670
Dividend per Share 2 0.4607 0.4607 0.4656 0.4654 0.4752 0.4752 0.4802 0.4800 0.4900 0.4900 0.5000 0.5000 0.5000 0.5000 0.5100
Announcement Date 10/22/21 1/21/22 4/20/22 7/21/22 10/24/22 1/30/23 4/27/23 7/31/23 10/23/23 1/30/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 13% 14.2% 14.3% 13% 6.52% 10.8% 10.7%
ROA (Net income/ Total Assets) 1.34% 1.46% 1.45% 1.29% 0.66% 1.03% 1.06%
Assets 1 1,454 1,719 2,008 2,253 2,699 3,039 3,151
Book Value Per Share 2 - 47.40 52.80 58.20 64.70 64.10 69.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/23/20 1/25/21 1/21/22 1/30/23 1/30/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Citizens Financial Services, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
40 USD
Average target price
61 USD
Spread / Average Target
+52.50%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Other Banks

1st Jan change Capi.
CITIZENS FINANCIAL SERVICES, INC. Stock Citizens Financial Services, Inc.
-38.20% 188M
JPMORGAN CHASE & CO. Stock JPMorgan Chase & Co.
+13.75% 556B
BANK OF AMERICA CORPORATION Stock Bank of America Corporation
+12.36% 298B
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED Stock Industrial and Commercial Bank of China Limited
+8.64% 247B
WELLS FARGO & COMPANY Stock Wells Fargo & Company
+21.72% 210B
BANK OF CHINA LIMITED Stock Bank of China Limited
+16.11% 170B
CHINA CONSTRUCTION BANK CORPORATION Stock China Construction Bank Corporation
+6.88% 162B
HSBC HOLDINGS PLC Stock HSBC Holdings plc
+4.42% 153B
ROYAL BANK OF CANADA Stock Royal Bank of Canada
+0.10% 139B
HDFC BANK LIMITED Stock HDFC Bank Limited
-11.67% 138B
Other Banks
  1. Stock Market
  2. Equities
  3. CZFS Stock
  4. Financials Citizens Financial Services, Inc.