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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
Total Valuation
Citizens Financial Services has a market cap or net worth of $283.63M. The enterprise value is $266.75M.
Market Cap$283.63M
Enterprise Value$266.75M
Share Statistics
Citizens Financial Services has 4,807,269 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,807,269
Owned by Insiders6.18%
Owned by Institutions0.20%
Financial Efficiency
Citizens Financial Services’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -1.56%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-1.56%
Return on Capital Employed (ROCE)0.05
Revenue Per Employee265.84K
Profits Per Employee73.40K
Employee Count379
Asset Turnover0.03
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of {name} is {pe}. {name}’s PEG ratio is {priceToEarningsGrowthRatio}.
PE Ratio10.0
PS Ratio0.00
PB Ratio1.51
Price to Fair Value1.00
Price to FCF9.54
Price to Operating Cash Flow9.07
PEG Ratio75.13
Income Statement
In the last 12 months, Citizens Financial Services had revenue of 100.75M and earned 27.82M in profits. Earnings per share was 5.86.
Revenue100.75M
Gross Profit100.75M
Operating Income33.68M
Pretax Income33.68M
Net Income27.82M
EBITDA35.49M
Earnings Per Share (EPS)5.86
Cash Flow
In the last 12 months, operating cash flow was 25.57M and capital expenditures -948.00K, giving a free cash flow of 30.04M billion.
Operating Cash Flow25.57M
Free Cash Flow30.04M
Free Cash Flow per Share6.25
Dividends & Yields
Citizens Financial Services pays an annual dividend of $1.97, resulting in a dividend yield of 3.25%
Dividend Per Share$1.97
Dividend Yield3.25%
Payout Ratio32.17%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.24
52-Week Price Change18.23%
50-Day Moving Average59.55
200-Day Moving Average59.59
Relative Strength Index (RSI)50.60
Average Volume (3m)10.11K
Important Dates
Citizens Financial Services upcoming earnings date is Aug 4, 2025, During Market Hours (Confirmed).
Last Earnings DateApr 30, 2025
Next Earnings DateAug 4, 2025
Ex-Dividend DateJun 13, 2025
Financial Position
Citizens Financial Services as a current ratio of 0.20, with Debt / Equity ratio of 128.54%
Current Ratio0.20
Quick Ratio0.20
Debt to Market Cap0.99
Net Debt to EBITDA6.71
Interest Coverage Ratio0.50
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 15.19, with an EV/FCF ratio of 16.91.
EV to Sales5.35
EV to EBITDA15.19
EV to Free Cash Flow16.91
EV to Operating Cash Flow16.24
Balance Sheet
Citizens Financial Services has $85.41M in cash and marketable securities with $302.03M in debt, giving a net cash position of $216.62M billion.
Cash & Marketable Securities$85.41M
Total Debt$302.03M
Net Cash$216.62M
Net Cash Per Share$45.06
Tangible Book Value Per Share$44.44
Margins
Gross margin is 100.00%, with operating margin of 33.43%, and net profit margin of 27.61%.
Gross Margin100.00%
Operating Margin33.43%
Pretax Margin33.43%
Net Profit Margin27.61%
EBITDA Margin35.22%
EBIT Margin33.43%
Analyst Forecast
The average price target for Citizens Financial Services is $62.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$62.00
Price Target Upside2.56% Upside
Analyst ConsensusModerate Buy
Analyst Count0
Revenue Growth Forecast9.53%
EPS Growth Forecast63.45%