CZFS Citizens Financial Services, Inc.

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

Price (delayed)

$65.43

Market cap

$314.39M

P/E Ratio

7.99

Dividend/share

$2

EPS

$8.19

Enterprise value

$476.2M

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Relative Growth: Rel. Growth: 83
Relative Strength: Rel. Strength: 55
Relative Valuation: Rel. Valuation: 91
Relative Profitability: Rel. Profitability: 90

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 grown by 38% YoY and by 8% from the previous quarter
The EPS has grown by 38% YoY and by 7% from the previous quarter
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
4.44%
1 week
-1.01%
1 month
8.24%
1 year
10.9%
YTD
14.75%
QTD
7%

Financial performance

How have Citizens Financial Services's revenue and profit performed over time
Revenue
$113.47M
Gross profit
$113.47M
Operating income
$48.56M
Net income
$39.33M
Gross margin
100%
Net margin
34.7%
Citizens Financial Services's operating income has increased by 40% YoY and by 7% from the previous quarter
The net income has grown by 38% YoY and by 8% from the previous quarter
The operating margin is up by 23% year-on-year and by 4.1% since the previous quarter
The net margin rose by 22% YoY and by 4.2% 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
7.99
P/B
0.92
P/S
2.77
EV/EBIT
9.81
EV/EBITDA
9.39
EV/Sales
4.2
The EPS has grown by 38% YoY and by 7% from the previous quarter
CZFS's P/E is 28% below its 5-year quarterly average of 10.6 and 6% below its last 4 quarters average of 8.1
The price to book (P/B) is 20% less than the 5-year quarterly average of 1.1 and 2.2% less than the last 4 quarters average of 0.9
The equity has grown by 11% year-on-year
CZFS's P/S is 15% below its 5-year quarterly average of 3.1
The revenue has grown by 14% YoY and by 3.2% from the previous quarter

Efficiency

How efficient is Citizens Financial Services business performance
The return on assets has grown by 44% year-on-year and by 8% since the previous quarter
Citizens Financial Services's ROIC has increased by 36% YoY and by 7% from the previous quarter
The return on equity has grown by 25% year-on-year and by 4.4% since the previous quarter
The ROS has grown by 23% YoY and by 4.1% from the previous quarter

Dividends

What is CZFS's dividend history
Dividend details
DPS
$2
Dividend yield
3.05%
Payout ratio
24.4%
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 13% greater than its total liabilities
The debt is 42% lower than the equity
Citizens Financial Services's debt to equity has decreased by 41% YoY and by 37% QoQ
The debt fell by 36% QoQ and by 34% YoY

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