See more : MMS Ventures Berhad (0113.KL) 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.
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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 |
Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why
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) Q2 Earnings Meet Estimates
Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 0% and 1.43%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?
Citizens Financial Services (CZFS) Q1 Earnings Meet Estimates
Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 0% and 3.40%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?
Earnings Preview: Citizens Financial Services (CZFS) Q1 Earnings Expected to Decline
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.
Citizens Financial Services: An Interesting 'Uplisting' Story
Citizens Financial Services is the holding company of the First Citizens Community Bank in Pennsylvania, with in excess of $2B in assets. The bank is currently listed on the pink sheets but will move to the Nasdaq soon.
Citizens Financial Services (CZFS) Q3 Earnings and Revenues Surpass Estimates
Citizens Financial Services (CZFS) delivered earnings and revenue surprises of 2.87% and 0.22%, respectively, for the quarter ended September 2021. Do the numbers hold clues to what lies ahead for the stock?
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.
Citizens Financial Services (CZFS) Misses Q2 Earnings and Revenue Estimates
Citizens Financial Services (CZFS) delivered earnings and revenue surprises of -2.87% and -3.48%, respectively, for the quarter ended June 2021. Do the numbers hold clues to what lies ahead for the stock?
Citizens Financial Services, Inc. Reports Unaudited Second Quarter 2021 Financial Results
MANSFIELD, Pa., July 26, 2021 /PRNewswire/ -- Citizens Financial Services, Inc. (OTC Pink: CZFS), parent company of First Citizens Community Bank, released today its unaudited consolidated financial results for the three and six months ended June 30, 2021.
Citizens Financial Services (CZFS) to Report Q2 Results: Wall Street Expects Earnings Growth
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.
Source: https://incomestatements.info
Category: Stock Reports