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CZFS Citizens Financial Services, Inc.
- Stocks
- Financial Services
- NASDAQ: CZFS
Price (delayed)
$59
Market cap
$280.82M
P/E Ratio
9.87
Dividend/share
$1.97
EPS
$5.98
Enterprise value
$542.24M
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 EPS has soared by 61% YoY and by 2% from the previous quarter
The net income has soared by 58% YoY and by 2.1% from the previous quarter
The debt rose by 7% YoY
CZFS's P/E is 2.8% above its last 4 quarters average of 9.6
Key stats
What are the main financial stats of CZFS
Market
Valuations
Earnings
Shares outstanding
4.76M
Market cap
$280.82M
Enterprise value
$542.24M
Price to earnings (P/E)
9.87
Price to book (P/B)
0.91
Price to sales (P/S)
2.8
EV/EBIT
15.69
EV/EBITDA
14.93
EV/Sales
5.43
Revenue
$99.93M
Gross profit
$99.93M
Operating income
$34.56M
Net income
$28.42M
EBIT
$34.56M
EBITDA
$36.31M
Free cash flow
$28.88M
Per share
Balance sheet
Liquidity
EPS
$5.98
EPS diluted
$5.98
Free cash flow per share
$6.08
Book value per share
$64.78
Revenue per share
$21.04
TBVPS
$616.32
Total assets
$3.02B
Total liabilities
$2.71B
Debt
$302.03M
Equity
$308.3M
Working capital
N/A
Debt to equity
0.98
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.2
Margins
Efficiency
Dividend
EBITDA margin
36.3%
Gross margin
100%
Net margin
28.4%
Operating margin
34.6%
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
34.6%
Dividend yield
3.33%
DPS
$1.97
Payout ratio
32.9%
CZFS stock price
How has the Citizens Financial Services stock price performed over time
Intraday
-2.35%
1 week
-6.23%
1 month
4.42%
1 year
35.6%
YTD
-6.81%
QTD
1.64%
Financial performance
How have Citizens Financial Services's revenue and profit performed over time
Revenue
$99.93M
Gross profit
$99.93M
Operating income
$34.56M
Net income
$28.42M
Gross margin
100%
Net margin
28.4%
Citizens Financial Services's operating income has soared by 60% YoY and by 2.6% from the previous quarter
The net income has soared by 58% YoY and by 2.1% from the previous quarter
The operating margin is up by 47% year-on-year and by 2.1% since the previous quarter
The net margin rose by 44% YoY
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
P/E
9.87
P/B
0.91
P/S
2.8
EV/EBIT
15.69
EV/EBITDA
14.93
EV/Sales
5.43
The EPS has soared by 61% YoY and by 2% from the previous quarter
CZFS's P/E is 2.8% above its last 4 quarters average of 9.6
The equity has grown by 9% year-on-year and by 2.9% since the previous quarter
The revenue has grown by 10% YoY
CZFS's P/S is 3.7% above its last 4 quarters average of 2.7
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 47% YoY and by 2.1% from the previous quarter
The return on equity has grown by 44% year-on-year
Dividends
What is CZFS's dividend history
DPS
$1.97
Dividend yield
3.33%
Payout ratio
32.9%
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
CZFS's total assets is up by 3.3% year-on-year
The total liabilities is up by 2.6% year-on-year
The debt is 2% lower than the equity
The equity has grown by 9% year-on-year and by 2.9% since the previous quarter
The debt rose by 7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.