See more : Fractal Gaming Group AB (publ) (FRACTL.ST) Income Statement Analysis – Financial Results
Complete financial analysis of Citizens Financial Services, Inc. (CZFS) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Citizens Financial Services, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
You may be interested
- Cibox Inter@ctive (CIB.PA) Income Statement Analysis – Financial Results
- Investeringsforeningen Danske Invest – USA – Akkumulerende KL (DKIUSAIAKKDKKH.CO) Income Statement Analysis – Financial Results
- Arbor Rapha Capital Bioholdings Corp. I (ARCKW) Income Statement Analysis – Financial Results
- Altron Limited (AEL.JO) Income Statement Analysis – Financial Results
- Caterpillar Inc. (CAT1.DE) Income Statement Analysis – Financial Results
Citizens Financial Services, Inc. (CZFS)
About Citizens Financial Services, Inc.
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 company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 86.34M | 81.87M | 78.42M | 73.61M | 58.33M | 54.92M | 50.91M | 45.86M | 38.26M | 37.69M | 37.19M | 38.26M | 35.64M | 33.67M | 31.23M | 24.34M | 24.19M | 22.61M | 22.39M | 21.66M | 22.10M | 22.02M | 19.01M | 14.65M | 14.10M | 2.51M | 2.66M | 1.60M | 1.42M | 1.39M | 1.38M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 86.34M | 81.87M | 78.42M | 73.61M | 58.33M | 54.92M | 50.91M | 45.86M | 38.26M | 37.69M | 37.19M | 38.26M | 35.64M | 33.67M | 31.23M | 24.34M | 24.19M | 22.61M | 22.39M | 21.66M | 22.10M | 22.02M | 19.01M | 14.65M | 14.10M | 2.51M | 2.66M | 1.60M | 1.42M | 1.39M | 1.38M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 36.47M | 28.51M | 27.75M | 25.82M | 20.53M | 19.51M | 17.84M | 16.98M | 12.97M | 11.97M | 11.84M | 11.49M | 10.59M | 9.85M | 9.47M | 8.73M | 8.39M | 8.03M | 7.65M | 7.64M | 8.30M | 7.12M | 6.60M | 4.77M | 4.32M | 3.85M | 3.88M | 3.42M | 3.15M | 3.09M | 2.78M |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 36.47M | 28.51M | 27.75M | 25.82M | 20.53M | 19.51M | 17.84M | 16.98M | 12.97M | 11.97M | 11.84M | 11.49M | 10.59M | 9.85M | 9.47M | 8.73M | 8.39M | 8.03M | 7.65M | 7.64M | 8.30M | 7.12M | 6.60M | 4.77M | 4.32M | 3.85M | 3.88M | 3.42M | 3.15M | 3.09M | 2.78M |
| Other Expenses | 0.00 | -62.79M | -70.85M | -69.07M | -55.55M | -8.81M | -7.74M | -8.64M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 43.68M | -34.28M | -43.10M | -43.25M | -35.02M | 19.51M | 17.84M | 16.98M | 12.97M | 11.97M | 11.84M | 11.49M | 10.59M | 9.85M | 9.47M | 8.73M | 8.39M | 8.03M | 7.65M | 7.64M | 8.30M | 7.12M | 6.60M | 4.77M | 4.32M | 3.85M | 3.88M | 3.42M | 3.15M | 3.09M | 2.78M |
| Cost & Expenses | 43.68M | -34.28M | -43.10M | -43.25M | -35.02M | 19.51M | 17.84M | 16.98M | 12.97M | 11.97M | 11.84M | 11.49M | 10.59M | 9.85M | 9.47M | 8.73M | 8.39M | 8.03M | 7.65M | 7.64M | 8.30M | 7.12M | 6.60M | 4.77M | 4.32M | 3.85M | 3.88M | 3.42M | 3.15M | 3.09M | 2.78M |
| Interest Income | 125.71M | 82.73M | 72.84M | 69.90M | 61.48M | 56.31M | 47.82M | 42.72M | 35.44M | 35.10M | 36.15M | 38.01M | 38.24M | 38.95M | 38.59M | 37.24M | 36.02M | 32.85M | 28.70M | 26.61M | 25.62M | 27.38M | 29.03M | 26.23M | 23.55M | 23.09M | 22.78M | 21.34M | 19.42M | 17.34M | 16.55M |
| Interest Expense | 46.86M | 11.22M | 7.11M | 8.11M | 12.04M | 9.57M | 5.84M | 5.04M | 4.82M | 4.95M | 6.32M | 7.66M | 9.68M | 11.34M | 13.23M | 14.06M | 16.92M | 14.95M | 11.00M | 9.24M | 8.83M | 10.40M | 14.31M | 14.24M | 12.07M | 11.92M | 11.61M | 10.87M | 9.85M | 7.94M | 7.85M |
| Depreciation & Amortization | 1.52M | 1.03M | 1.11M | 1.14M | 1.04M | 1.05M | 1.07M | 1.09M | 464.00K | 472.00K | 428.00K | 420.00K | 469.00K | 457.00K | 654.00K | 653.00K | 865.00K | 1.27M | 2.04M | 2.36M | 2.49M | 2.14M | 2.17M | 1.20M | 1.13M | 761.00K | 588.00K | 442.00K | 412.00K | 440.00K | 438.00K |
| EBITDA | 23.04M | 36.53M | 36.43M | 31.50M | 24.35M | 21.82M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -468.00K | 16.91M | 17.06M | 13.34M | 8.93M | 0.00 | 0.00 | 0.00 | 8.91M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 26.68% | 58.32% | 45.28% | 41.54% | 40.41% | 57.17% | 49.29% | 45.86% | 51.31% | 59.34% | 64.19% | 69.58% | 74.62% | 78.57% | 84.63% | 93.85% | 108.72% | 103.82% | 89.24% | 84.62% | 79.08% | 90.37% | 110.45% | 131.70% | 126.18% | 699.20% | 665.03% | 978.63% | 1,007.63% | 874.69% | 841.64% |
| Operating Income | 42.66M | 47.60M | 35.32M | 30.37M | 23.31M | 31.01M | 24.90M | 20.71M | 19.17M | 21.90M | 23.44M | 26.21M | 26.13M | 26.00M | 25.78M | 22.19M | 25.43M | 22.21M | 17.94M | 15.98M | 14.99M | 17.76M | 18.83M | 18.09M | 16.66M | 16.81M | 17.12M | 15.18M | 13.85M | 11.73M | 11.19M |
| Operating Income Ratio | 49.41% | 58.13% | 45.04% | 41.25% | 39.97% | 56.47% | 48.90% | 45.16% | 50.10% | 58.09% | 63.04% | 68.49% | 73.30% | 77.21% | 82.54% | 91.17% | 105.14% | 98.21% | 80.14% | 73.75% | 67.83% | 80.67% | 99.05% | 123.49% | 118.14% | 668.92% | 642.94% | 950.94% | 978.52% | 843.06% | 809.92% |
| Total Other Income/Expenses | -21.14M | 0.00 | 0.00 | -2.18M | -466.00K | 0.00 | -6.82M | -8.39M | -1.10M | -6.19M | -5.87M | -420.00K | -54.00K | 0.00 | -54.00K | -641.00K | -100.00K | 0.00 | -240.00K | -726.00K | -8.83M | -10.40M | -14.31M | -14.24M | -12.07M | -11.78M | -11.61M | -10.87M | -9.85M | -7.94M | -7.85M |
| Income Before Tax | 21.52M | 35.50M | 35.32M | 30.37M | 23.31M | 21.44M | 19.06M | 15.67M | 14.35M | 16.94M | 17.13M | 18.55M | 16.44M | 14.66M | 12.55M | 8.13M | 8.51M | 7.26M | 6.94M | 6.74M | 6.17M | 7.36M | 4.52M | 3.85M | 4.60M | 5.03M | 5.51M | 4.31M | 4.00M | 3.78M | 3.33M |
| Income Before Tax Ratio | 24.92% | 43.35% | 45.04% | 41.25% | 39.97% | 39.03% | 37.43% | 34.17% | 37.50% | 44.95% | 46.06% | 48.47% | 46.13% | 43.53% | 40.17% | 33.40% | 35.18% | 32.09% | 31.00% | 31.12% | 27.89% | 33.42% | 23.79% | 26.30% | 32.59% | 200.20% | 206.80% | 270.05% | 282.33% | 271.96% | 241.27% |
| Income Tax Expense | 3.70M | 6.44M | 6.20M | 5.26M | 3.82M | 3.40M | 6.03M | 3.03M | 2.72M | 3.56M | 3.75M | 4.33M | 3.61M | 3.16M | 2.68M | 1.22M | 1.77M | 1.46M | 1.67M | 1.47M | 1.29M | 1.76M | 765.00K | 644.00K | 1.04M | 1.40M | 1.67M | 1.31M | 1.16M | 1.16M | 908.00K |
| Net Income | 17.81M | 29.06M | 29.12M | 25.10M | 19.49M | 18.03M | 13.03M | 12.64M | 11.63M | 13.39M | 13.38M | 14.22M | 12.83M | 11.50M | 9.86M | 6.91M | 6.74M | 5.80M | 5.27M | 5.27M | 4.88M | 5.60M | 3.76M | 3.21M | 3.55M | 3.49M | 3.83M | 3.00M | 2.83M | 2.63M | 2.42M |
| Net Income Ratio | 20.63% | 35.49% | 37.13% | 34.10% | 33.42% | 32.84% | 25.58% | 27.56% | 30.39% | 35.51% | 35.97% | 37.15% | 36.01% | 34.16% | 31.58% | 28.37% | 27.85% | 25.65% | 23.56% | 24.31% | 22.08% | 25.41% | 19.77% | 21.90% | 25.19% | 138.84% | 143.95% | 188.16% | 200.28% | 188.71% | 175.52% |
| EPS | 4.06 | 7.25 | 7.24 | 6.40 | 5.32 | 4.89 | 3.53 | 3.40 | 3.39 | 3.91 | 3.89 | 4.10 | 3.66 | 3.27 | 2.79 | 1.95 | 1.87 | 1.59 | 1.43 | 1.39 | 1.32 | 1.50 | 1.00 | 0.86 | 0.93 | 0.91 | 1.01 | 0.79 | 0.74 | 0.69 | 0.64 |
| EPS Diluted | 4.06 | 7.25 | 7.24 | 6.40 | 5.32 | 4.89 | 3.53 | 3.40 | 3.39 | 3.91 | 3.89 | 4.09 | 3.66 | 3.27 | 2.79 | 1.95 | 1.87 | 1.59 | 1.43 | 1.39 | 1.32 | 1.50 | 1.00 | 0.86 | 0.93 | 0.91 | 1.01 | 0.79 | 0.74 | 0.69 | 0.64 |
| Weighted Avg Shares Out | 4.38M | 4.01M | 4.02M | 3.92M | 3.66M | 3.69M | 3.69M | 3.72M | 3.43M | 3.42M | 3.44M | 3.47M | 3.51M | 3.52M | 3.53M | 3.54M | 3.60M | 3.64M | 3.69M | 3.78M | 3.70M | 3.73M | 3.76M | 3.72M | 3.80M | 3.83M | 3.81M | 3.82M | 3.81M | 3.81M | 3.80M |
| Weighted Avg Shares Out (Dil) | 4.38M | 4.01M | 4.02M | 3.92M | 3.67M | 3.69M | 3.70M | 3.72M | 3.43M | 3.42M | 3.44M | 3.48M | 3.51M | 3.52M | 3.53M | 3.54M | 3.60M | 3.64M | 3.69M | 3.78M | 3.70M | 3.73M | 3.76M | 3.72M | 3.80M | 3.83M | 3.81M | 3.82M | 3.81M | 3.81M | 3.80M |
Citizens Financial Services (CZFS) Is a Great Choice for 'Trend' Investors, Here's Why
If you are looking for stocks that are well positioned to maintain their recent uptrend, Citizens Financial Services (CZFS) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
Here's Why Momentum in Citizens Financial Services (CZFS) Should Keep going
Citizens Financial Services (CZFS) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.
Citizens Financial Services (CZFS) Q3 Earnings Top Estimates
Citizens Financial Services (CZFS) came out with quarterly earnings of $1.59 per share, beating the Zacks Consensus Estimate of $1.38 per share. This compares to earnings of $1.61 per share a year ago.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTS
MANSFIELD, Penn. , Oct. 30, 2024 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial results for the three and nine months ended September 30, 2024.
Citizens Financial Services (CZFS) Misses Q2 Earnings and Revenue Estimates
Citizens Financial Services (CZFS) came out with quarterly earnings of $1.30 per share, missing the Zacks Consensus Estimate of $1.33 per share. This compares to earnings of $1.53 per share a year ago.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2024 FINANCIAL RESULT
MANSFIELD, Pa. , July 30, 2024 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial results for the three and six months ended June 30, 2024.
New Strong Sell Stocks for June 20th
CZFS, EVBN and ASGN have been added to the Zacks Rank #5 (Strong Sell) List on June 20, 2024.
Citizens Financial Services (CZFS) Misses Q1 Earnings Estimates
Citizens Financial Services (CZFS) came out with quarterly earnings of $1.49 per share, missing the Zacks Consensus Estimate of $1.55 per share. This compares to earnings of $1.71 per share a year ago.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FIRST QUARTER 2024 FINANCIAL RESULTS
MANSFIELD, Penn. , April 25, 2024 /PRNewswire/ -- Citizens Financial Services, Inc (Nasdaq: CZFS), parent company of First Citizens Community Bank (the "Bank"), released today its unaudited consolidated financial results for the three months ended March 31, 2024.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2023 FINANCIAL RESULTS
MANSFIELD, Pa. , Jan. 30, 2024 /PRNewswire/ -- Citizens Financial Services, Inc. (Nasdaq: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial results for the three months and year ended December 31, 2023.
Source: https://incomestatements.info
Category: Stock Reports