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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
Total Valuation
Citizens Financial Services has a market cap or net worth of $283.15M. The enterprise value is ―.
Market Cap$283.15M
Enterprise Value―
Share Statistics
Citizens Financial Services has 4,759,672 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,759,672
Owned by Insiders5.87%
Owned by Institutions6.58%
Financial Efficiency
Citizens Financial Services’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 20.92%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)20.92%
Return on Capital Employed (ROCE)0.05
Revenue Per Employee407.17K
Profits Per Employee73.40K
Employee Count379
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Citizens Financial Services is 10.81. Citizens Financial Services’s PEG ratio is 7.10.
PE Ratio10.81
PS Ratio0.00
PB Ratio0.91
Price to Fair Value1.00
Price to FCF8.35
Price to Operating Cash Flow8.22
PEG Ratio7.10
Income Statement
In the last 12 months, Citizens Financial Services had revenue of 154.32M and earned 27.82M in profits. Earnings per share was 5.86.
Revenue154.32M
Gross Profit154.32M
Operating Income151.72M
Pretax Income33.68M
Net Income27.82M
EBITDA0.00
Earnings Per Share (EPS)5.86
Cash Flow
In the last 12 months, operating cash flow was 33.18M and capital expenditures -462.00K, giving a free cash flow of 32.72M billion.
Operating Cash Flow33.18M
Free Cash Flow32.72M
Free Cash Flow per Share6.87
Dividends & Yields
Citizens Financial Services pays an annual dividend of $0.495, resulting in a dividend yield of 3.31%
Dividend Per Share$0.495
Dividend Yield3.31%
Payout Ratio31.85%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.11
52-Week Price Change51.20%
50-Day Moving Average56.97
200-Day Moving Average58.38
Relative Strength Index (RSI)61.73
Average Volume (3m)10.19K
Important Dates
Citizens Financial Services upcoming earnings date is Aug 4, 2025, TBA Not Confirmed.
Last Earnings DateApr 30, 2025
Next Earnings DateAug 4, 2025
Ex-Dividend DateMar 14, 2025
Financial Position
Citizens Financial Services as a current ratio of 39.01, with Debt / Equity ratio of 93.54%
Current Ratio39.01
Quick Ratio39.01
Debt to Market Cap0.93
Net Debt to EBITDA0.00
Interest Coverage Ratio2.24
Taxes
In the past 12 months, Citizens Financial Services has paid 5.87M in taxes.
Income Tax5.87M
Effective Tax Rate0.17
Enterprise Valuation
Citizens Financial Services EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 16.24.
EV to Sales3.49
EV to EBITDA0.00
EV to Free Cash Flow16.24
EV to Operating Cash Flow16.24
Balance Sheet
Citizens Financial Services has $93.14M in cash and marketable securities with $280.38M in debt, giving a net cash position of $187.24M billion.
Cash & Marketable Securities$93.14M
Total Debt$280.38M
Net Cash$187.24M
Net Cash Per Share$39.34
Tangible Book Value Per Share$44.44
Margins
Gross margin is 100.00%, with operating margin of 98.32%, and net profit margin of 18.03%.
Gross Margin100.00%
Operating Margin98.32%
Pretax Margin21.83%
Net Profit Margin18.03%
EBITDA Margin0.00%
EBIT Margin-1.17%
Analyst Forecast
The average price target for Citizens Financial Services is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast9.53%
EPS Growth Forecast63.45%