Citizens Financial Services, Inc.
General ticker "CZFS" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $284.0M (TTM average)
Citizens Financial Services, Inc. follows the US Stock Market performance with the rate: 33.5%.
Estimated limits based on current volatility of 2.3%: low 59.62$, high 62.38$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-12-12, amount 0.50$ (Y3.25%)
- Total employees count: 410 (-2.8%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate fluctuations, Cybersecurity threats, Market competition, Risk management failure, Regulatory and compliance
- Price in estimated range
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [54.36$, 75.50$]
- 2025-12-31 to 2026-12-31 estimated range: [57.14$, 79.26$]
Financial Metrics affecting the CZFS estimates:
- Positive: with PPE of 10.9 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 33.07 > 18.38
- Positive: 6.64 < Operating cash flow per share per price, % of 10.88
- Positive: Industry operating cash flow per share per price (median), % of 10.58 > 10.29
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Investing cash flow per share per price, % of -22.64 <= -14.22
- Negative: Shareholder equity ratio, % of 9.91 <= 19.40
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term CZFS quotes
Long-term CZFS plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $81.87MM | $91.86MM | $101.86MM |
| Operating Expenses | $46.38MM | $70.35MM | $68.17MM |
| Operating Income | $35.49MM | $21.52MM | $33.68MM |
| Interest Expense | $11.22MM | $46.86MM | $67.86MM |
| Income(Loss) | $35.49MM | $21.52MM | $33.68MM |
| Taxes | $6.43MM | $3.70MM | $5.87MM |
| Profit(Loss)* | $29.06MM | $17.81MM | $27.82MM |
| Stockholders Equity | $200.15MM | $279.67MM | $299.73MM |
| Assets | $2,333.39MM | $2,975.32MM | $3,025.72MM |
| Operating Cash Flow | $33.24MM | $26.54MM | $33.18MM |
| Capital expenditure | $1.63MM | $2.62MM | $1.31MM |
| Investing Cash Flow | $-362.45MM | $59.47MM | $-69.07MM |
| Financing Cash Flow | $182.59MM | $-59.40MM | $25.27MM |
| Earnings Per Share** | $7.18 | $4.02 | $5.86 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.