CZFS Citizens Financial Services, Inc.
Price (delayed)
$60.9
Market cap
$289.88M
P/E Ratio
10.46
Dividend/share
$1.96
EPS
$5.82
Enterprise value
$582.46M
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 57% from the previous quarter and by 29% YoY
The net income has soared by 52% from the previous quarter and by 51% YoY
CZFS's P/E is 12% below its last 4 quarters average of 12.0 but 3.4% above its 5-year quarterly average of 10.2
The debt rose by 18% QoQ and by 5% YoY
Key stats
What are the main financial stats of CZFS
Market
Valuations
Earnings
Shares outstanding
4.76M
Market cap
$289.88M
Enterprise value
$582.46M
Price to earnings (P/E)
10.46
Price to book (P/B)
1.01
Price to sales (P/S)
2.94
EV/EBIT
17.51
EV/EBITDA
16.54
EV/Sales
5.91
Revenue
$98.51M
Gross profit
$98.51M
Operating income
$33.26M
Net income
$27.39M
EBIT
$33.26M
EBITDA
$35.21M
Free cash flow
$46.38M
Per share
Balance sheet
Liquidity
EPS
$5.82
EPS diluted
$5.82
Free cash flow per share
$9.77
Book value per share
$60.26
Revenue per share
$20.74
TBVPS
$601.93
Total assets
$2.95B
Total liabilities
$2.66B
Debt
$334.83M
Equity
$286.47M
Working capital
N/A
Debt to equity
1.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.31
Margins
Efficiency
Dividend
EBITDA margin
35.7%
Gross margin
100%
Net margin
27.8%
Operating margin
33.8%
Return on assets
0.9%
Return on equity
9.9%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
33.8%
Dividend yield
3.21%
DPS
$1.96
Payout ratio
33.6%
CZFS stock price
How has the Citizens Financial Services stock price performed over time
Intraday
-0.81%
1 week
-3.39%
1 month
1.11%
1 year
32.91%
YTD
-3.81%
QTD
-3.81%
Financial performance
How have Citizens Financial Services's revenue and profit performed over time
Revenue
$98.51M
Gross profit
$98.51M
Operating income
$33.26M
Net income
$27.39M
Gross margin
100%
Net margin
27.8%
Citizens Financial Services's operating income has soared by 54% from the previous quarter and by 51% YoY
The net income has soared by 52% from the previous quarter and by 51% YoY
The operating margin is up by 43% since the previous quarter and by 19% year-on-year
The net margin rose by 41% QoQ and by 19% YoY
Growth
What is Citizens Financial Services's growth rate over time
Valuation
What is Citizens Financial Services stock price valuation
P/E
10.46
P/B
1.01
P/S
2.94
EV/EBIT
17.51
EV/EBITDA
16.54
EV/Sales
5.91
The EPS has soared by 57% from the previous quarter and by 29% YoY
CZFS's P/E is 12% below its last 4 quarters average of 12.0 but 3.4% above its 5-year quarterly average of 10.2
The price to book (P/B) is 15% less than the 5-year quarterly average of 1.2 but 13% more than the last 4 quarters average of 0.9
The equity has grown by 9% year-on-year
The revenue has grown by 27% YoY and by 8% from the previous quarter
CZFS's P/S is 10% above its last 4 quarters average of 2.7 but 8% below its 5-year quarterly average of 3.2
Efficiency
How efficient is Citizens Financial Services business performance
Citizens Financial Services's ROIC has soared by 57% from the previous quarter and by 38% YoY
The return on assets has surged by 50% since the previous quarter and by 29% year-on-year
The return on equity has surged by 50% since the previous quarter and by 18% year-on-year
The ROS has grown by 43% from the previous quarter and by 19% YoY
Dividends
What is CZFS's dividend history
DPS
$1.96
Dividend yield
3.21%
Payout ratio
33.6%
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 is 17% higher than the equity
The debt rose by 18% QoQ and by 5% YoY
Citizens Financial Services's debt to equity has increased by 17% QoQ but it has decreased by 3.3% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.