Citizens Financial Services Inc
General ticker "CZFS" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $331.7M
Citizens Financial Services Inc follows the US Stock Market performance with the rate: 43.1%.
Estimated limits based on current volatility of 2.8%: low 63.12$, high 66.81$
Factors to consider:
- Company pays dividends: last record date 2024-12-13, amount 0.49$ (Y3.03%)
- Price in estimated range
- Earnings for 9 months up through Q3 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 2023-12-31 to 2025-12-30
- 2023-12-31 to 2024-12-30 estimated range: [43.41$, 66.84$]
- 2024-12-30 to 2025-12-30 estimated range: [37.29$, 59.67$]
Financial Metrics affecting the CZFS estimates:
- Positive: Non-GAAP EPS, $ of 6.53 > 2.29
- Positive: Operating profit margin, % of 35.66 > 19.51
- Negative: Interest expense per share, $ of 10.69 > 0.74
- Positive: Industry operating cash flow per share per price (median), % of 12.49 > 10.07
- Negative: Inventory ratio change, % of 69.81 > 1.08
- Positive: -0.25 < Return on assets ratio (scaled to [-100,100]) of 0.60
Short-term CZFS quotes
Long-term CZFS plot with estimates
Financial data
| YTD | 2021-12-31 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating Revenue | $78.42MM | $81.87MM | $86.34MM |
| Operating Expenses | $43.10MM | $34.28MM | $43.68MM |
| Operating Income | $35.32MM | $47.59MM | $42.66MM |
| Non-Operating Income | $0.00MM | $-12.10MM | $-21.14MM |
| Interest Expense | $7.11MM | $11.22MM | $46.86MM |
| Income(Loss) | $35.32MM | $35.49MM | $21.52MM |
| Taxes | $6.20MM | $6.43MM | $3.70MM |
| Profit(Loss) | $29.12MM | $29.06MM | $17.81MM |
| Stockholders Equity | $212.49MM | $200.15MM | $279.67MM |
| Inventory | $190.27MM | $40.14MM | $0.00MM |
| Assets | $2,143.86MM | $2,333.39MM | $2,975.32MM |
| Operating Cash Flow | $38.69MM | $33.24MM | $26.54MM |
| Capital expenditure | $1.10MM | $1.63MM | $2.62MM |
| Investing Cash Flow | $-158.23MM | $-362.45MM | $59.47MM |
| Financing Cash Flow | $223.66MM | $182.59MM | $-59.40MM |
| Earnings Per Share* | $7.24 | $7.25 | $4.06 |
* EPS are Split Adjusted, recent splits may be reflected with a delay.