See more : Shenzhen Quanxinhao Co., Ltd. (000007.SZ) 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
- Ya Horng Electronic Co., Ltd. (6201.TW) Income Statement Analysis – Financial Results
- Weihai City Commercial Bank Co., Ltd. (9677.HK) Income Statement Analysis – Financial Results
- PT Bhakti Multi Artha Tbk (BHAT.JK) Income Statement Analysis – Financial Results
- Aishida Co.,Ltd (002403.SZ) Income Statement Analysis – Financial Results
- Poly Culture Group Corporation Limited (3636.HK) 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) Q3 Earnings and Revenues Surpass Estimates
Citizens Financial Services (CZFS) came out with quarterly earnings of $1.61 per share, beating the Zacks Consensus Estimate of $1.57 per share. This compares to earnings of $1.88 per share a year ago.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2023 FINANCIAL RESULTS
MANSFIELD, Pa. , Oct. 23, 2023 /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, 2023.
Citizens Financial Services (CZFS) Upgraded to Strong Buy: Here's Why
Citizens Financial Services (CZFS) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
5 Top-Ranked Stocks to Play in October for Solid Returns
Investors can play stocks like JAKKS Pacific (JAKK), Snap (SNAP), Citizens Financial Services (CZFS), Lifeway Foods (LWAY) and 1-800-FLOWERS.COM (FLWS) in October.
Citizens Financial Services (CZFS) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now
Citizens Financial Services (CZFS) appears to have found support after losing some value lately, as indicated by the formation of a hammer chart. In addition to this technical chart pattern, strong agreement among Wall Street analysts in revising earnings estimates...
New Strong Sell Stocks for August 1st
ABCB, CZFS and CBRL have been added to the Zacks Rank #5 (Strong Sell) List on August 1, 2023.
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED SECOND QUARTER 2023 FINANCIAL RESULTS
MANSFIELD, Pa. , July 31, 2023 /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, 2023.
Factbox: U.S. banks increase reserves for commercial real estate exposure
The U.S. commercial property market has faced severe challenges since the pandemic due to lingering office vacancies, diminished retail activity and higher interest rates. That stress has caused banks and other lenders to tighten their standards for new loans and...
Analysts Estimate Citizens Financial Services (CZFS) to Report a Decline in Earnings: What to Look Out for
Citizens Financial Services (CZFS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
New Strong Sell Stocks for July 6th
CFBK, CZFS and FBMS have been added to the Zacks Rank #5 (Strong Sell) List on July 6, 2023.
Source: https://incomestatements.info
Category: Stock Reports