CZFS Citizens Financial Services, Inc.

  1. Stocks
  2. Financial Services
  3. NASDAQ: CZFS

Price (delayed)

$82.54

Market cap

$397.01M

P/E Ratio

9.65

Dividend/share

$2.01

EPS

$8.55

Enterprise value

$748.28M

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Relative Growth: Rel. Growth:
Relative Strength: Rel. Strength:
Relative Valuation: Rel. Valuation:
Relative Profitability: Rel. Profitability: 88

Citizens Financial Services, Inc. is a $2.3 billion bank holding company conducting business through First Citizens Community Bank. First Citizens Community Bank operates 33 offices in Pennsylvania, Delaware and New ...

Highlights
The net income has grown by 30% YoY and by 4.4% from the previous quarter
The EPS has grown by 30% YoY and by 4.4% from the previous quarter
CZFS's P/E is 21% above its last 4 quarters average of 8.0 but 8% below its 5-year quarterly average of 10.5
The debt has soared by 98% QoQ and by 26% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.firstcitizensbank.com
Peers: PNC FITB RF HBAN

Key stats

What are the main financial stats of CZFS

CZFS stock price

How has the Citizens Financial Services stock price performed over time
Intraday
1.02%
1 week
2.66%
1 month
15.73%
1 year
40.23%
YTD
44.76%
QTD
13.94%

Financial performance

How have Citizens Financial Services's revenue and profit performed over time
Revenue
$116.11M
Gross profit
$116.11M
Operating income
$50.49M
Net income
$41.05M
Gross margin
100%
Net margin
35.4%
Citizens Financial Services's operating income has increased by 30% YoY and by 4% from the previous quarter
The net income has grown by 30% YoY and by 4.4% from the previous quarter
The operating margin is up by 16% year-on-year
The net margin rose by 16% YoY and by 2% QoQ

Price vs fundamentals

How does CZFS's price correlate with its fundamentals

Growth

What is Citizens Financial Services's growth rate over time

Valuation

What is Citizens Financial Services stock price valuation
CZFS P/E details
P/E
9.65
P/B
1.12
P/S
3.41
EV/EBIT
14.82
EV/EBITDA
14.23
EV/Sales
6.44
The EPS has grown by 30% YoY and by 4.4% from the previous quarter
CZFS's P/E is 21% above its last 4 quarters average of 8.0 but 8% below its 5-year quarterly average of 10.5
The price to book (P/B) is 24% more than the last 4 quarters average of 0.9
The equity has grown by 12% year-on-year and by 2.7% since the previous quarter
CZFS's P/S is 26% above its last 4 quarters average of 2.7 and 10% above its 5-year quarterly average of 3.1
The revenue has grown by 12% YoY and by 2.3% from the previous quarter

Efficiency

How efficient is Citizens Financial Services business performance
Citizens Financial Services's ROIC has increased by 33% YoY and by 7% from the previous quarter
The return on assets has grown by 18% year-on-year
The return on equity has grown by 16% year-on-year
The ROS has grown by 16% YoY

Dividends

What is CZFS's dividend history
Dividend details
DPS
$2.01
Dividend yield
2.44%
Payout ratio
23.5%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Citizens Financial Services financials performed over time
CZFS's total assets is 12% greater than its total liabilities
CZFS's total assets is up by 8% year-on-year and by 5% since the previous quarter
The total liabilities is up by 7% year-on-year and by 6% since the previous quarter
The debt is 12% higher than the equity
The debt has soared by 98% QoQ and by 26% YoY
Citizens Financial Services's debt to equity has surged by 93% QoQ and by 12% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.