CZFS Citizens Financial Services, Inc.

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

Price (delayed)

$58.97

Market cap

$280.67M

P/E Ratio

10.06

Dividend/share

$1.97

EPS

$5.86

Enterprise value

$532.37M

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The ...

Highlights
The net income has soared by 56% YoY
The EPS has grown by 46% YoY
The debt rose by 28% QoQ but it fell by 8% 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
Market
Shares outstanding
4.76M
Market cap
$280.67M
Enterprise value
$532.37M
Valuations
Price to earnings (P/E)
10.06
Price to book (P/B)
0.94
Price to sales (P/S)
2.82
EV/EBIT
15.81
EV/EBITDA
15
EV/Sales
5.36
Earnings
Revenue
$99.27M
Gross profit
$99.27M
Operating income
$33.68M
Net income
$27.82M
EBIT
$33.68M
EBITDA
$35.49M
Free cash flow
$39.05M
Per share
EPS
$5.86
EPS diluted
$5.85
Free cash flow per share
$8.22
Book value per share
$62.97
Revenue per share
$20.9
TBVPS
$618.31
Balance sheet
Total assets
$3.03B
Total liabilities
$2.73B
Debt
$297.72M
Equity
$299.73M
Working capital
N/A
Liquidity
Debt to equity
0.99
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.09
Margins
EBITDA margin
35.8%
Gross margin
100%
Net margin
28%
Operating margin
33.9%
Efficiency
Return on assets
0.9%
Return on equity
9.5%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
33.9%
Dividend
Dividend yield
3.33%
DPS
$1.97
Payout ratio
33.5%

CZFS stock price

How has the Citizens Financial Services stock price performed over time
Intraday
2.27%
1 week
-2.67%
1 month
-2.48%
1 year
28.03%
YTD
-6.86%
QTD
1.58%

Financial performance

How have Citizens Financial Services's revenue and profit performed over time
Revenue
$99.27M
Gross profit
$99.27M
Operating income
$33.68M
Net income
$27.82M
Gross margin
100%
Net margin
28%
Citizens Financial Services's operating income has soared by 57% YoY
The net income has soared by 56% YoY
The net margin rose by 36% YoY
The operating margin is up by 36% year-on-year

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
10.06
P/B
0.94
P/S
2.82
EV/EBIT
15.81
EV/EBITDA
15
EV/Sales
5.36
The EPS has grown by 46% YoY
CZFS's P/E is 5% below its last 4 quarters average of 10.4
The equity has grown by 7% year-on-year
The price to book (P/B) is 2.2% more than the last 4 quarters average of 0.9
The revenue has grown by 15% YoY
CZFS's P/S is 6% above its last 4 quarters average of 2.6

Efficiency

How efficient is Citizens Financial Services business performance
Citizens Financial Services's ROIC has soared by 57% YoY
The return on assets has surged by 50% year-on-year
The ROS has grown by 36% YoY
The return on equity has grown by 36% year-on-year

Dividends

What is CZFS's dividend history
Dividend details
DPS
$1.97
Dividend yield
3.33%
Payout ratio
33.5%
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 11% greater than its total liabilities
The debt rose by 28% QoQ but it fell by 8% YoY
Citizens Financial Services's debt to equity has increased by 27% QoQ but it has decreased by 14% YoY

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