Breakdown | ||||
Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|
Income Statement | Total Revenue | |||
154.32M | 86.34M | 81.87M | 78.42M | 73.61M |
Gross Profit | ||||
154.32M | 86.34M | 81.87M | 78.42M | 73.61M |
EBIT | ||||
151.72M | 42.66M | 47.59M | 35.32M | 30.37M |
EBITDA | ||||
0.00 | 23.04M | 36.53M | 36.43M | 31.50M |
Net Income Common Stockholders | ||||
27.82M | 17.81M | 29.06M | 29.12M | 25.10M |
Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
468.11M | 470.42M | 471.77M | 596.26M | 377.65M |
Total Assets | ||||
3.03B | 2.98B | 2.33B | 2.14B | 1.89B |
Total Debt | ||||
280.38M | 322.04M | 257.28M | 73.98M | 88.84M |
Net Debt | ||||
234.36M | 265.15M | 225.01M | -109.88M | 6.37M |
Total Liabilities | ||||
2.73B | 2.70B | 2.13B | 1.93B | 1.70B |
Stockholders Equity | ||||
299.73M | 279.67M | 200.15M | 212.49M | 194.26M |
Cash Flow | Free Cash Flow | |||
33.18M | 23.92M | 31.61M | 37.59M | 10.88M |
Operating Cash Flow | ||||
33.18M | 26.54M | 33.24M | 38.69M | 11.82M |
Investing Cash Flow | ||||
-69.07M | 59.47M | -362.45M | -158.23M | -110.73M |
Financing Cash Flow | ||||
25.27M | -59.40M | 182.59M | 223.66M | 149.10M |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
78 Outperform | $274.52M | 9.76 | 11.19% | 5.87% | 13.25% | 1.46% | |
75 Outperform | $274.86M | 9.53 | 9.62% | 3.40% | 9.53% | 63.45% | |
75 Outperform | $283.14M | 10.14 | 8.00% | 3.76% | 14.10% | 11.76% | |
69 Neutral | $291.87M | 15.85 | 5.60% | ― | 8.57% | 37.95% | |
66 Neutral | $322.36M | 22.70 | 2.88% | ― | 20.07% | 147.42% | |
64 Neutral | $12.54B | 9.79 | 7.92% | 16985.69% | 12.58% | -6.07% | |
44 Neutral | $304.59M | ― | -4.98% | ― | -16.75% | 86.60% |
Citizens Financial Services, Inc. has announced its intention to use an investor presentation in upcoming meetings with investors. The company has consistently been ranked among the top community banks and has received numerous accolades for its performance and customer satisfaction. The announcement highlights the company’s strategic initiatives and financial stability, which are crucial for stakeholders and investors in assessing future growth and market positioning.
Spark’s Take on CZFS Stock
According to Spark, TipRanks’ AI Analyst, CZFS is a Outperform.
Citizens Financial Services scores well due to its strong financial performance, characterized by robust revenue growth, profitability, and cash flow generation. The technical analysis suggests a cautious approach due to bearish indicators, but the valuation presents the stock as attractively priced with a good dividend yield. Recent corporate events reflect positively on the company’s strategic communication and resilience, although they do not directly impact the overall score.
To see Spark’s full report on CZFS stock, click here.
Citizens Financial Services, Inc. presented at the 2025 Annual Meeting of Shareholders on April 15, 2025. In 2024, the company focused on operational initiatives such as forming a Digital Steering Committee, replacing its ATM fleet, and opening a new loan production office. Financially, the company finished in the 74th percentile for efficiency ratio and showed varying performance in return on equity and assets compared to its peers. The company also engaged in community contributions and faced challenges like a turbulent economy and regulatory changes, impacting customers with increased food costs and availability issues.
Spark’s Take on CZFS Stock
According to Spark, TipRanks’ AI Analyst, CZFS is a Outperform.
Citizens Financial Services has a strong financial foundation with excellent revenue growth and cash flow management. The technical analysis suggests a stable stock price with potential for growth, while valuation metrics indicate the stock is fairly valued with a good dividend yield. Recent corporate communication efforts further bolster investor confidence, enhancing the overall outlook.
To see Spark’s full report on CZFS stock, click here.