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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 great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price...
Recent Price Trend in Citizens Financial Services (CZFS) is Your Friend, Here's Why
Citizens Financial Services (CZFS) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price...
What Makes Citizens Financial Services (CZFS) a Good Fit for "Trend Investing"
Citizens Financial Services (CZFS) could be a great choice for investors looking to make a profit from fundamentally strong stocks that are currently on the move. It is one of the several stocks that made it through our "Recent Price...
Why Citizens Financial Services (CZFS) Stock Might be a Great Pick
Citizens Financial Services (CZFS) has seen solid earnings estimate revision activity over the past month, and belongs to a strong industry as well.
Citizens Financial Services (CZFS) Is a Great Choice for "Trend" Investors, 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) is on the Move, Here's Why the Trend Could be Sustainable
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, Inc. Declares Quarterly Cash Dividend
MANSFIELD, Penn., March 26, 2021 /PRNewswire/ -- The Board of Directors of Citizens Financial Services, Inc. (OTCPink: CZFS), the bank holding company for First Citizens Community Bank (FCCB), recently declared a cash dividend for its shareholders.
Should Value Investors Buy Citizens Financial Services (CZFS) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...
Source: https://incomestatements.info
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