Citizens Financial Services, Inc.
General ticker "CZFS" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $289.3M (TTM average)
Citizens Financial Services, Inc. follows the US Stock Market performance with the rate: 44.1%.
Estimated limits based on current volatility of 1.3%: low 79.85$, high 81.91$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-12, amount 0.51$ (Y2.47%)
- Total employees count: 405 (-1.2%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate risk, Cybersecurity threats, Market competition, Risk management failure, Regulatory and compliance
- Current price 20.0% above estimated high
- Earnings for 6 months up through Q2 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [50.00$, 68.84$]
- 2026-12-31 to 2027-12-31 estimated range: [48.37$, 67.49$]
Financial Metrics affecting the CZFS estimates:
- Negative: with PPE of 7.6 at the end of fiscal year the price was high
- Positive: Operating cash flow per share per price, % of 13.14 > 13.08
- Positive: Operating profit margin, % of 26.03 > 18.77
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 1.18
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
Short-term CZFS quotes
Long-term CZFS plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $91.86MM | $101.86MM | $173.24MM |
| Operating Expenses | $70.29MM | $68.17MM | $128.16MM |
| Operating Income | $21.57MM | $33.68MM | $45.09MM |
| Interest Expense | $46.86MM | $67.86MM | $61.17MM |
| Income(Loss) | $21.57MM | $33.68MM | $45.09MM |
| Taxes | $3.76MM | $5.87MM | $8.52MM |
| Net Income(Loss)* | $17.81MM | $27.82MM | $36.57MM |
| Stockholders Equity | $279.67MM | $299.73MM | $338.05MM |
| Assets | $2,975.32MM | $3,025.72MM | $3,064.56MM |
| Operating Cash Flow | $26.54MM | $33.18MM | $36.53MM |
| Capital expenditure | $2.62MM | $1.31MM | $1.30MM |
| Investing Cash Flow | $59.47MM | $-69.07MM | $-40.08MM |
| Financing Cash Flow | $-59.40MM | $25.27MM | $-4.37MM |
| Earnings Per Share** | $4.02 | $5.86 | $7.62 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.