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Citizens Financial Services (CZFS) Financials

Citizens Financial Services logo
$56.84 -0.17 (-0.30%)
As of 04/24/2025 04:00 PM Eastern
Annual Income Statements for Citizens Financial Services

Annual Income Statements for Citizens Financial Services

This table shows Citizens Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
29 18 28
Consolidated Net Income / (Loss)
29 18 28
Net Income / (Loss) Continuing Operations
29 18 28
Total Pre-Tax Income
35 22 34
Total Revenue
82 92 102
Net Interest Income / (Expense)
72 80 86
Total Interest Income
83 127 154
Loans and Leases Interest Income
74 116 143
Investment Securities Interest Income
8.69 10 11
Deposits and Money Market Investments Interest Income
0.40 0.74 0.85
Total Interest Expense
11 47 68
Deposits Interest Expense
7.32 32 52
Long-Term Debt Interest Expense
3.91 15 16
Total Non-Interest Income
9.74 12 15
Trust Fees by Commissions
0.80 0.76 0.82
Service Charges on Deposit Accounts
5.35 5.64 5.75
Other Service Charges
0.85 0.77 1.21
Net Realized & Unrealized Capital Gains on Investments
-0.00 1.26 3.42
Investment Banking Income
1.90 1.92 2.38
Other Non-Interest Income
0.85 1.25 1.68
Provision for Credit Losses
1.68 5.53 2.59
Total Non-Interest Expense
45 65 66
Salaries and Employee Benefits
28 35 39
Net Occupancy & Equipment Expense
3.70 4.95 6.05
Property & Liability Insurance Claims
0.68 1.48 2.00
Other Operating Expenses
12 14 18
Amortization Expense
0.16 0.37 0.56
Restructuring Charge
0.29 9.27 0.00
Other Special Charges
- - -0.15
Income Tax Expense
6.44 3.70 5.87
Basic Earnings per Share
$7.17 $4.02 $5.86
Weighted Average Basic Shares Outstanding
4.06M 4.43M 4.75M
Diluted Earnings per Share
$7.17 $4.02 $5.85
Weighted Average Diluted Shares Outstanding
4.06M 4.43M 4.76M
Weighted Average Basic & Diluted Shares Outstanding
3.97M 4.71M 4.76M
Cash Dividends to Common per Share
$1.86 $1.92 $1.95

Quarterly Income Statements for Citizens Financial Services

This table shows Citizens Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
7.54 7.88 6.87 -4.14 7.55 7.54 7.02 5.28 7.54 7.98
Consolidated Net Income / (Loss)
7.54 7.88 6.87 -4.14 7.55 7.54 7.02 5.28 7.54 7.98
Net Income / (Loss) Continuing Operations
7.54 7.88 6.87 -4.14 7.55 7.54 7.02 5.28 7.54 7.98
Total Pre-Tax Income
9.20 9.70 8.48 -5.33 9.15 9.22 8.50 6.39 9.25 9.54
Total Revenue
22 22 20 20 26 25 26 25 25 26
Net Interest Income / (Expense)
19 19 18 18 22 22 21 21 21 23
Total Interest Income
22 24 25 27 37 39 38 38 39 40
Loans and Leases Interest Income
19 22 23 24 34 36 35 35 36 37
Investment Securities Interest Income
2.33 2.46 2.49 2.57 2.65 2.60 2.56 2.57 2.64 3.01
Deposits and Money Market Investments Interest Income
0.06 0.07 0.07 0.13 0.26 0.27 0.24 0.26 0.19 0.16
Total Interest Expense
2.94 5.06 7.03 8.89 14 17 17 17 17 17
Deposits Interest Expense
1.84 2.85 3.94 5.48 10 12 12 13 13 14
Long-Term Debt Interest Expense
1.10 2.21 3.09 3.41 4.19 4.48 4.65 3.95 3.89 3.05
Total Non-Interest Income
2.69 2.31 2.17 2.28 3.66 3.49 4.97 3.34 3.76 3.34
Trust Fees by Commissions
0.19 0.18 0.23 0.18 0.17 0.18 0.24 0.20 0.18 0.19
Service Charges on Deposit Accounts
1.51 1.27 1.21 1.29 1.69 1.44 1.37 1.39 1.64 1.36
Other Service Charges
0.26 0.22 0.17 0.09 0.31 0.20 0.45 0.47 0.14 0.15
Net Realized & Unrealized Capital Gains on Investments
0.09 -0.06 -0.17 0.04 0.53 0.86 1.57 0.39 0.91 0.54
Investment Banking Income
0.45 0.47 0.51 0.44 0.47 0.50 0.67 0.56 0.55 0.61
Other Non-Interest Income
0.22 0.22 0.22 0.23 0.49 0.31 0.67 0.33 0.34 0.35
Total Non-Interest Expense
12 12 12 21 16 16 17 16 16 17
Salaries and Employee Benefits
6.93 6.87 7.68 7.92 10 9.39 10 9.62 9.72 9.73
Net Occupancy & Equipment Expense
0.90 0.96 0.99 0.98 1.48 1.51 1.56 1.56 1.48 1.46
Property & Liability Insurance Claims
0.16 0.24 0.30 0.33 0.38 0.48 0.53 0.51 0.56 0.41
Other Operating Expenses
3.58 3.25 2.54 3.03 3.81 4.39 4.12 4.41 4.15 4.95
Amortization Expense
0.04 0.04 0.03 0.03 0.16 0.15 0.15 0.15 0.14 0.13
Income Tax Expense
1.66 1.83 1.61 -1.19 1.60 1.68 1.48 1.11 1.71 1.56
Basic Earnings per Share
$1.88 $1.88 $1.71 ($1.00) $1.59 $1.72 $1.49 $1.11 $1.59 $1.67
Weighted Average Basic Shares Outstanding
4.01M 4.06M 4.01M 4.16M 4.75M 4.43M 4.70M 4.75M 4.75M 4.75M
Diluted Earnings per Share
$1.88 $1.88 $1.71 ($1.00) $1.59 $1.72 $1.49 $1.11 $1.59 $1.66
Weighted Average Diluted Shares Outstanding
4.01M 4.06M 4.01M 4.16M 4.75M 4.43M 4.70M 4.75M 4.75M 4.76M
Weighted Average Basic & Diluted Shares Outstanding
3.97M 3.97M 3.97M 4.70M 4.71M 4.71M 4.71M 4.76M 4.76M 4.76M
Cash Dividends to Common per Share
$0.48 $0.45 $0.48 $0.48 $0.49 $0.48 $0.49 $0.49 $0.49 $0.49

Annual Cash Flow Statements for Citizens Financial Services

This table details how cash moves in and out of Citizens Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Net Change in Cash & Equivalents
-147 27 -11
Net Cash From Operating Activities
33 27 33
Net Cash From Continuing Operating Activities
33 27 33
Net Income / (Loss) Continuing Operations
29 18 28
Consolidated Net Income / (Loss)
29 18 28
Provision For Loan Losses
1.68 5.53 2.59
Depreciation Expense
1.03 1.52 1.81
Amortization Expense
-0.06 -1.54 -1.81
Non-Cash Adjustments to Reconcile Net Income
3.10 2.52 1.65
Changes in Operating Assets and Liabilities, net
-1.58 0.70 1.13
Net Cash From Investing Activities
-362 59 -69
Net Cash From Continuing Investing Activities
-362 59 -69
Purchase of Investment Securities
-420 -81 -170
Sale and/or Maturity of Investments
59 142 101
Other Investing Activities, net
-1.12 -1.47 0.00
Net Cash From Financing Activities
183 -59 25
Net Cash From Continuing Financing Activities
183 -59 25
Net Change in Deposits
8.06 -56 61
Issuance of Debt
0.00 40 0.00
Issuance of Common Equity
0.11 0.03 0.02
Repayment of Debt
183 -35 -26
Repurchase of Common Equity
-1.28 -0.27 -0.27
Payment of Dividends
-7.59 -8.50 -9.30
Cash Interest Paid
11 45 67
Cash Income Taxes Paid
6.60 5.10 2.50

Quarterly Cash Flow Statements for Citizens Financial Services

This table details how cash moves in and out of Citizens Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
2.48 3.06 -0.04 19 -1.37 9.48 -23 8.81 -1.67 5.44
Net Cash From Operating Activities
9.27 8.90 10 -7.51 7.43 16 13 3.02 6.22 10
Net Cash From Continuing Operating Activities
9.27 8.90 10 -7.51 7.43 16 13 3.02 6.22 10
Net Income / (Loss) Continuing Operations
7.54 7.88 6.87 -4.14 7.55 7.54 7.02 5.28 7.54 7.98
Consolidated Net Income / (Loss)
7.54 7.88 6.87 -4.14 7.55 7.54 7.02 5.28 7.54 7.98
Depreciation Expense
0.25 0.26 0.26 0.27 0.49 0.50 0.50 0.46 0.42 0.43
Amortization Expense
0.12 -0.14 -0.10 0.10 -1.20 -0.34 -0.59 -0.89 -0.56 0.23
Non-Cash Adjustments to Reconcile Net Income
0.93 1.13 2.68 -8.30 0.68 7.46 5.47 -5.00 -1.02 2.20
Changes in Operating Assets and Liabilities, net
-0.31 -0.48 0.69 -0.28 -0.57 0.86 0.27 1.17 0.05 -0.36
Net Cash From Investing Activities
-143 22 5.22 123 -73 3.68 23 -13 -79 -0.18
Net Cash From Continuing Investing Activities
-143 22 5.22 123 -73 3.68 23 -13 -79 -0.18
Purchase of Investment Securities
-160 10 -6.11 26 -92 -9.22 -16 -26 -103 -25
Sale and/or Maturity of Investments
17 12 11 98 19 14 39 13 24 24
Net Cash From Financing Activities
137 -28 -16 -97 64 -10 -60 19 71 -4.87
Net Cash From Continuing Financing Activities
137 -28 -16 -97 64 -10 -60 19 71 -4.87
Net Change in Deposits
-10 -25 -45 -67 69 -14 -19 -30 177 -68
Issuance of Common Equity
0.04 - - - - 0.01 - - - 0.02
Repayment of Debt
148 -1.65 31 -49 -2.38 -14 -39 51 -103 66
Repurchase of Common Equity
- - 0.00 - -0.26 -0.00 -0.05 -0.04 -0.12 -0.06
Payment of Dividends
-1.91 -1.91 -1.93 -1.97 -2.31 -2.31 -2.31 -2.33 -2.33 -2.33
Cash Interest Paid
2.58 4.75 6.49 8.40 14 16 17 15 17 18
Cash Income Taxes Paid
1.00 2.00 0.00 3.60 1.00 0.50 0.00 0.75 0.75 1.00

Annual Balance Sheets for Citizens Financial Services

This table presents Citizens Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Total Assets
2,333 2,975 3,026
Cash and Due from Banks
25 38 30
Interest Bearing Deposits at Other Banks
1.40 15 12
Time Deposits Placed and Other Short-Term Investments
6.06 4.07 3.82
Trading Account Securities
458 433 438
Loans and Leases, Net of Allowance
0.00 0.00 0.00
Loans Held for Sale
0.73 9.38 9.61
Premises and Equipment, Net
18 21 21
Goodwill
31 86 86
Intangible Assets
1.27 3.65 2.89
Other Assets
1,792 2,365 2,422
Total Liabilities & Shareholders' Equity
2,333 2,975 3,026
Total Liabilities
2,133 2,696 2,726
Non-Interest Bearing Deposits
396 524 533
Interest Bearing Deposits
1,448 1,798 1,849
Accrued Interest Payable
1.23 4.30 4.69
Long-Term Debt
257 322 298
Other Long-Term Liabilities
31 48 42
Total Equity & Noncontrolling Interests
200 280 300
Total Preferred & Common Equity
200 280 300
Preferred Stock
0.00 0.00 0.00
Total Common Equity
200 280 300
Common Stock
85 148 150
Retained Earnings
165 173 189
Treasury Stock
-17 -17 -16
Accumulated Other Comprehensive Income / (Loss)
-33 -25 -24

Quarterly Balance Sheets for Citizens Financial Services

This table presents Citizens Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
2,350 2,335 2,892 2,959 2,921 2,948 3,026
Cash and Due from Banks
22 24 29 25 14 22 27
Interest Bearing Deposits at Other Banks
1.63 1.92 16 18 16 16 9.98
Time Deposits Placed and Other Short-Term Investments
6.06 6.06 4.81 4.57 3.82 3.82 3.82
Trading Account Securities
465 460 453 438 421 417 430
Loans and Leases, Net of Allowance
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Loans Held for Sale
1,721 0.67 15 14 8.35 14 14
Premises and Equipment, Net
17 18 21 21 21 21 21
Goodwill
31 31 85 85 86 86 86
Intangible Assets
1.37 1.18 4.07 3.87 3.45 3.24 3.08
Other Assets
84 1,793 2,265 2,349 2,348 2,364 2,432
Total Liabilities & Shareholders' Equity
2,350 2,335 2,892 2,959 2,921 2,948 3,026
Total Liabilities
2,158 2,122 2,629 2,697 2,638 2,661 2,728
Non-Interest Bearing Deposits
381 370 553 542 524 502 548
Interest Bearing Deposits
1,487 1,430 1,713 1,793 1,779 1,771 1,902
Accrued Interest Payable
0.92 1.77 2.26 2.73 4.12 5.48 5.55
Long-Term Debt
259 288 318 316 284 335 232
Other Long-Term Liabilities
30 33 42 43 48 48 40
Total Equity & Noncontrolling Interests
191 213 263 263 283 286 299
Total Preferred & Common Equity
191 213 263 263 283 286 299
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
191 213 263 263 283 286 299
Common Stock
85 85 149 148 148 150 150
Retained Earnings
159 172 162 168 178 179 184
Treasury Stock
-17 -17 -17 -17 -17 -16 -16
Accumulated Other Comprehensive Income / (Loss)
-36 -27 -31 -37 -27 -26 -19

Annual Metrics and Ratios for Citizens Financial Services

This table displays calculated financial ratios and metrics derived from Citizens Financial Services' official financial filings.

Metric 2022 2023 2024
Growth Metrics
- - -
Revenue Growth
4.41% 12.21% 10.88%
EBITDA Growth
6.91% -41.05% 56.65%
EBIT Growth
0.50% -39.39% 56.56%
NOPAT Growth
-0.20% -38.71% 56.18%
Net Income Growth
-0.20% -38.71% 56.18%
EPS Growth
-0.97% -43.93% 45.52%
Operating Cash Flow Growth
-14.09% -20.17% 25.04%
Free Cash Flow Firm Growth
-651.14% 10.87% 125.35%
Invested Capital Growth
59.68% 31.54% -0.71%
Revenue Q/Q Growth
2.80% 4.24% 0.86%
EBITDA Q/Q Growth
4.68% -2.01% 2.50%
EBIT Q/Q Growth
3.51% -2.17% 0.96%
NOPAT Q/Q Growth
3.31% -1.85% 1.62%
Net Income Q/Q Growth
3.31% -1.85% 1.62%
EPS Q/Q Growth
3.17% -5.63% -1.68%
Operating Cash Flow Q/Q Growth
8.44% 37.99% -14.71%
Free Cash Flow Firm Q/Q Growth
-5.06% -14.62% -57.71%
Invested Capital Q/Q Growth
1.57% 3.95% 12.65%
Profitability Metrics
- - -
EBITDA Margin
44.54% 23.40% 33.06%
EBIT Margin
43.35% 23.42% 33.07%
Profit (Net Income) Margin
35.49% 19.39% 27.31%
Tax Burden Percent
81.87% 82.78% 82.59%
Interest Burden Percent
100.00% 100.00% 100.00%
Effective Tax Rate
18.13% 17.22% 17.41%
Return on Invested Capital (ROIC)
7.81% 3.36% 4.64%
ROIC Less NNEP Spread (ROIC-NNEP)
7.81% 3.36% 4.64%
Return on Net Nonoperating Assets (RNNOA)
6.27% 4.06% 4.96%
Return on Equity (ROE)
14.09% 7.42% 9.60%
Cash Return on Invested Capital (CROIC)
-38.15% -23.88% 5.35%
Operating Return on Assets (OROA)
1.59% 0.81% 1.12%
Return on Assets (ROA)
1.30% 0.67% 0.93%
Return on Common Equity (ROCE)
14.09% 7.42% 9.60%
Return on Equity Simple (ROE_SIMPLE)
14.52% 6.37% 9.28%
Net Operating Profit after Tax (NOPAT)
29 18 28
NOPAT Margin
35.49% 19.39% 27.31%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00%
SG&A Expenses to Revenue
38.52% 43.47% 44.57%
Operating Expenses to Revenue
54.59% 70.56% 64.39%
Earnings before Interest and Taxes (EBIT)
35 22 34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
36 21 34
Valuation Ratios
- - -
Price to Book Value (P/BV)
1.42 1.05 1.01
Price to Tangible Book Value (P/TBV)
1.70 1.54 1.43
Price to Revenue (P/Rev)
3.48 3.19 2.96
Price to Earnings (P/E)
9.80 16.45 10.83
Dividend Yield
2.00% 3.13% 3.10%
Earnings Yield
10.20% 6.08% 9.23%
Enterprise Value to Invested Capital (EV/IC)
1.11 0.93 0.93
Enterprise Value to Revenue (EV/Rev)
6.23 6.08 5.43
Enterprise Value to EBITDA (EV/EBITDA)
13.98 25.96 16.42
Enterprise Value to EBIT (EV/EBIT)
14.36 25.94 16.42
Enterprise Value to NOPAT (EV/NOPAT)
17.54 31.34 19.88
Enterprise Value to Operating Cash Flow (EV/OCF)
15.34 21.03 16.67
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 17.25
Leverage & Solvency
- - -
Debt to Equity
1.29 1.15 0.99
Long-Term Debt to Equity
1.29 1.15 0.99
Financial Leverage
0.80 1.21 1.07
Leverage Ratio
10.85 11.06 10.36
Compound Leverage Factor
10.85 11.06 10.36
Debt to Total Capital
56.24% 53.52% 49.83%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
56.24% 53.52% 49.83%
Preferred Equity to Total Capital
0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00%
Common Equity to Total Capital
43.76% 46.48% 50.17%
Debt to EBITDA
7.06 14.98 8.84
Net Debt to EBITDA
6.17 12.33 7.47
Long-Term Debt to EBITDA
7.06 14.98 8.84
Debt to NOPAT
8.85 18.08 10.70
Net Debt to NOPAT
7.74 14.89 9.05
Long-Term Debt to NOPAT
8.85 18.08 10.70
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00%
Liquidity Ratios
- - -
Cash Flow Metrics
- - -
Free Cash Flow to Firm (FCFF)
-142 -126 32
Operating Cash Flow to CapEx
0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
-12.64 -2.70 0.47
Operating Cash Flow to Interest Expense
2.96 0.57 0.49
Operating Cash Flow Less CapEx to Interest Expense
2.96 0.57 0.49
Efficiency Ratios
- - -
Asset Turnover
0.04 0.03 0.03
Fixed Asset Turnover
4.73 4.71 4.76
Capital & Investment Metrics
- - -
Invested Capital
457 602 597
Invested Capital Turnover
0.22 0.17 0.17
Increase / (Decrease) in Invested Capital
171 144 -4.25
Enterprise Value (EV)
510 558 553
Market Capitalization
285 293 301
Book Value per Share
$50.40 $59.43 $62.97
Tangible Book Value per Share
$42.18 $40.43 $44.35
Total Capital
457 602 597
Total Debt
257 322 298
Total Long-Term Debt
257 322 298
Net Debt
225 265 252
Capital Expenditures (CapEx)
0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
257 322 298
Total Depreciation and Amortization (D&A)
0.97 -0.02 -0.01
Earnings Adjustments
- - -
Adjusted Basic Earnings per Share
$7.32 $4.06 $5.86
Adjusted Weighted Average Basic Shares Outstanding
3.97M 4.38M 4.75M
Adjusted Diluted Earnings per Share
$7.32 $4.06 $5.85
Adjusted Weighted Average Diluted Shares Outstanding
3.97M 4.38M 4.76M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
3.97M 4.71M 4.76M
Normalized Net Operating Profit after Tax (NOPAT)
29 25 28
Normalized NOPAT Margin
35.79% 27.74% 27.19%
Pre Tax Income Margin
43.35% 23.42% 33.07%
Debt Service Ratios
- - -
EBIT to Interest Expense
3.16 0.46 0.50
NOPAT to Interest Expense
2.59 0.38 0.41
EBIT Less CapEx to Interest Expense
3.16 0.46 0.50
NOPAT Less CapEx to Interest Expense
2.59 0.38 0.41
Payout Ratios
- - -
Dividend Payout Ratio
26.11% 47.74% 33.44%
Augmented Payout Ratio
30.51% 49.23% 34.40%

Quarterly Metrics and Ratios for Citizens Financial Services

This table displays calculated financial ratios and metrics derived from Citizens Financial Services' official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
10.78% 11.49% 8.35% 0.84% 21.02% 17.29% 28.02% 21.95% -3.79% 3.42%
EBITDA Growth
13.75% 19.89% 2.33% -157.60% -11.84% -4.48% -2.73% 219.89% 7.91% 8.76%
EBIT Growth
6.45% 14.16% 3.21% -163.60% -0.57% -4.92% 0.30% 219.81% 1.13% 3.47%
NOPAT Growth
6.80% 13.41% 1.88% -154.08% 0.05% -4.25% 2.29% 241.33% -0.16% 5.88%
Net Income Growth
6.80% 13.41% 1.88% -160.05% 0.05% -4.25% 2.29% 227.29% -0.16% 5.88%
EPS Growth
6.21% 13.25% 1.18% -158.14% -15.43% -8.51% -12.87% 211.00% 0.00% -3.49%
Operating Cash Flow Growth
-13.04% 40.97% -13.58% -347.92% -19.84% 82.07% 29.29% 140.26% -16.25% -35.32%
Free Cash Flow Firm Growth
-1,920.36% -4,665.54% -1,176.50% -7,914.10% 22.30% 16.15% 74.08% 87.63% 146.29% 108.94%
Invested Capital Growth
56.83% 59.68% 85.01% 90.28% 28.53% 31.54% 12.95% 6.86% -8.37% -0.71%
Revenue Q/Q Growth
7.51% 0.33% -6.27% -0.26% 29.03% -2.77% 2.31% -4.99% 1.80% 4.52%
EBITDA Q/Q Growth
11.04% 2.53% -11.98% -157.48% 269.95% 11.09% -10.36% -29.15% 52.97% 11.96%
EBIT Q/Q Growth
9.73% 5.46% -12.63% -162.91% 271.55% 0.84% -7.84% -24.86% 44.80% 3.18%
NOPAT Q/Q Growth
9.32% 4.39% -12.80% -154.35% 302.23% -0.11% -6.84% -24.90% 42.86% 5.93%
Net Income Q/Q Growth
9.32% 4.39% -12.80% -160.35% 282.14% -0.11% -6.84% -24.90% 42.86% 5.93%
EPS Q/Q Growth
9.30% 0.00% -12.76% -158.48% 259.00% 8.18% -14.37% -25.50% 43.24% 4.40%
Operating Cash Flow Q/Q Growth
206.01% -3.93% 16.92% -172.13% 198.95% 118.20% -16.98% -77.54% 105.86% 68.51%
Free Cash Flow Firm Q/Q Growth
-4,449.94% -4.78% -37.03% -25.11% 56.74% -13.06% 57.64% 40.27% 261.83% -78.16%
Invested Capital Q/Q Growth
47.38% 1.57% 9.59% 15.98% -0.45% 3.95% -5.89% 9.72% -14.63% 12.65%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
44.47% 45.44% 42.67% -24.59% 32.39% 37.01% 32.42% 24.18% 36.33% 38.92%
EBIT Margin
42.71% 44.90% 41.85% -26.39% 35.09% 36.40% 32.79% 25.93% 36.88% 36.41%
Profit (Net Income) Margin
35.03% 36.44% 33.90% -20.51% 28.96% 29.75% 27.09% 21.41% 30.05% 30.46%
Tax Burden Percent
82.01% 81.18% 81.02% 77.72% 82.52% 81.74% 82.63% 82.58% 81.47% 83.64%
Interest Burden Percent
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
17.99% 18.82% 18.98% 0.00% 17.48% 18.26% 17.37% 17.42% 18.53% 16.36%
Return on Invested Capital (ROIC)
7.57% 8.02% 7.33% -3.48% 4.96% 5.16% 4.95% 3.63% 5.47% 5.17%
ROIC Less NNEP Spread (ROIC-NNEP)
7.57% 8.02% 7.33% -3.67% 4.96% 5.16% 4.95% 3.63% 5.47% 5.17%
Return on Net Nonoperating Assets (RNNOA)
6.37% 6.44% 6.27% -3.44% 6.28% 6.23% 5.71% 4.31% 5.34% 5.53%
Return on Equity (ROE)
13.93% 14.46% 13.60% -6.92% 11.24% 11.39% 10.66% 7.94% 10.81% 10.71%
Cash Return on Invested Capital (CROIC)
-36.62% -38.15% -52.09% -58.11% -21.44% -23.88% -8.80% -2.08% 13.67% 5.35%
Operating Return on Assets (OROA)
1.55% 1.64% 1.55% -0.86% 1.17% 1.26% 1.22% 0.91% 1.24% 1.24%
Return on Assets (ROA)
1.27% 1.33% 1.25% -0.67% 0.96% 1.03% 1.01% 0.75% 1.01% 1.03%
Return on Common Equity (ROCE)
13.93% 14.46% 13.60% -6.92% 11.24% 11.39% 10.66% 7.94% 10.81% 10.71%
Return on Equity Simple (ROE_SIMPLE)
14.69% 0.00% 13.69% 6.89% 6.91% 0.00% 6.36% 9.56% 9.17% 0.00%
Net Operating Profit after Tax (NOPAT)
7.54 7.88 6.87 -3.73 7.55 7.54 7.02 5.28 7.54 7.98
NOPAT Margin
35.03% 36.44% 33.90% -18.48% 28.96% 29.75% 27.09% 21.41% 30.05% 30.46%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% 0.00% 0.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue
36.37% 36.25% 42.77% 44.02% 44.05% 43.00% 45.70% 45.37% 44.62% 42.65%
Operating Expenses to Revenue
53.92% 53.91% 58.15% 102.37% 63.09% 62.82% 64.19% 65.94% 63.91% 63.59%
Earnings before Interest and Taxes (EBIT)
9.20 9.70 8.48 -5.33 9.15 9.22 8.50 6.39 9.25 9.54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
9.58 9.82 8.64 -4.97 8.44 9.38 8.41 5.96 9.11 10
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
1.37 1.42 1.49 1.08 0.82 1.05 0.81 0.74 0.94 1.01
Price to Tangible Book Value (P/TBV)
1.66 1.70 1.75 1.63 1.24 1.54 1.18 1.07 1.33 1.43
Price to Revenue (P/Rev)
3.30 3.48 3.80 3.40 2.46 3.19 2.35 2.07 2.77 2.96
Price to Earnings (P/E)
9.35 9.80 10.86 15.66 11.94 16.45 12.74 7.72 10.22 10.83
Dividend Yield
1.44% 2.00% 2.41% 2.70% 4.21% 3.13% 4.02% 4.36% 3.34% 3.10%
Earnings Yield
10.69% 10.20% 9.21% 6.39% 8.37% 6.08% 7.85% 12.95% 9.79% 9.23%
Enterprise Value to Invested Capital (EV/IC)
1.09 1.11 1.14 0.95 0.84 0.93 0.85 0.81 0.89 0.93
Enterprise Value to Revenue (EV/Rev)
6.19 6.23 6.87 6.61 5.50 6.08 4.91 4.94 4.66 5.43
Enterprise Value to EBITDA (EV/EBITDA)
14.14 13.98 15.62 23.96 22.11 25.96 22.53 15.66 14.33 16.42
Enterprise Value to EBIT (EV/EBIT)
14.37 14.36 16.02 25.07 22.05 25.94 22.24 15.16 14.11 16.42
Enterprise Value to NOPAT (EV/NOPAT)
17.52 17.54 19.63 30.47 26.72 31.34 26.66 18.41 17.20 19.88
Enterprise Value to Operating Cash Flow (EV/OCF)
16.08 15.34 18.13 26.23 25.22 21.03 16.19 12.57 12.10 16.67
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6.21 17.25
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
1.35 1.29 1.35 1.21 1.20 1.15 1.00 1.17 0.78 0.99
Long-Term Debt to Equity
1.35 1.29 1.35 1.21 1.20 1.15 1.00 1.17 0.78 0.99
Financial Leverage
0.84 0.80 0.86 0.94 1.27 1.21 1.15 1.19 0.98 1.07
Leverage Ratio
10.98 10.85 10.85 11.14 11.69 11.06 10.60 10.62 10.66 10.36
Compound Leverage Factor
10.98 10.85 10.85 11.14 11.69 11.06 10.60 10.62 10.66 10.36
Debt to Total Capital
57.49% 56.24% 57.46% 54.73% 54.62% 53.52% 50.08% 53.89% 43.69% 49.83%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
57.49% 56.24% 57.46% 54.73% 54.62% 53.52% 50.08% 53.89% 43.69% 49.83%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
42.51% 43.76% 42.54% 45.27% 45.38% 46.48% 49.92% 46.11% 56.31% 50.17%
Debt to EBITDA
7.43 7.06 7.86 13.79 14.41 14.98 13.34 10.40 7.05 8.84
Net Debt to EBITDA
6.59 6.17 6.98 11.65 12.23 12.33 11.76 9.09 5.82 7.47
Long-Term Debt to EBITDA
7.43 7.06 7.86 13.79 14.41 14.98 13.34 10.40 7.05 8.84
Debt to NOPAT
9.20 8.85 9.87 17.54 17.42 18.08 15.78 12.23 8.47 10.70
Net Debt to NOPAT
8.17 7.74 8.77 14.81 14.78 14.89 13.92 10.68 6.98 9.05
Long-Term Debt to NOPAT
9.20 8.85 9.87 17.54 17.42 18.08 15.78 12.23 8.47 10.70
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-156 -163 -223 -280 -121 -137 -58 -35 56 12
Operating Cash Flow to CapEx
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
-52.99 -32.26 -31.80 -31.45 -8.47 -8.21 -3.41 -2.08 3.22 0.72
Operating Cash Flow to Interest Expense
3.15 1.76 1.48 -0.84 0.52 0.97 0.79 0.18 0.36 0.62
Operating Cash Flow Less CapEx to Interest Expense
3.15 1.76 1.48 -0.84 0.52 0.97 0.79 0.18 0.36 0.62
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.04 0.04 0.04 0.03 0.03 0.03 0.04 0.03 0.03 0.03
Fixed Asset Turnover
4.61 4.73 4.85 4.30 4.54 4.71 5.04 4.82 4.73 4.76
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
450 457 501 581 579 602 566 621 530 597
Invested Capital Turnover
0.22 0.22 0.22 0.19 0.17 0.17 0.18 0.17 0.18 0.17
Increase / (Decrease) in Invested Capital
163 171 230 276 128 144 65 40 -48 -4.25
Enterprise Value (EV)
493 510 573 553 485 558 479 504 471 553
Market Capitalization
263 285 317 284 217 293 229 212 280 301
Book Value per Share
$48.21 $50.40 $53.70 $66.29 $55.84 $59.43 $60.05 $60.86 $62.74 $62.97
Tangible Book Value per Share
$39.97 $42.18 $45.50 $43.92 $37.00 $40.43 $41.10 $41.95 $44.08 $44.35
Total Capital
450 457 501 581 579 602 566 621 530 597
Total Debt
259 257 288 318 316 322 284 335 232 298
Total Long-Term Debt
259 257 288 318 316 322 284 335 232 298
Net Debt
230 225 256 269 268 265 250 293 191 252
Capital Expenditures (CapEx)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 0.00 0.00 0.41 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)
259 257 288 318 316 322 284 335 232 298
Total Depreciation and Amortization (D&A)
0.38 0.12 0.17 0.36 -0.70 0.16 -0.09 -0.43 -0.14 0.66
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$1.90 $1.88 $1.73 ($1.01) $1.61 $1.72 $1.49 $1.11 $1.59 $1.67
Adjusted Weighted Average Basic Shares Outstanding
3.97M 4.06M 3.97M 4.11M 4.70M 4.43M 4.70M 4.75M 4.75M 4.75M
Adjusted Diluted Earnings per Share
$1.90 $1.88 $1.73 ($1.01) $1.61 $1.72 $1.49 $1.11 $1.59 $1.66
Adjusted Weighted Average Diluted Shares Outstanding
3.97M 4.06M 3.97M 4.11M 4.70M 4.43M 4.70M 4.75M 4.75M 4.76M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
3.97M 3.97M 3.97M 4.70M 4.71M 4.71M 4.71M 4.76M 4.76M 4.76M
Normalized Net Operating Profit after Tax (NOPAT)
7.56 8.11 7.06 2.15 8.06 7.54 7.02 5.28 7.54 7.98
Normalized NOPAT Margin
35.10% 37.54% 34.88% 10.64% 30.93% 29.75% 27.09% 21.41% 30.05% 30.46%
Pre Tax Income Margin
42.71% 44.90% 41.85% -26.39% 35.09% 36.40% 32.79% 25.93% 36.88% 36.41%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
3.13 1.92 1.21 -0.60 0.64 0.55 0.50 0.38 0.53 0.56
NOPAT to Interest Expense
2.57 1.56 0.98 -0.42 0.53 0.45 0.41 0.32 0.43 0.47
EBIT Less CapEx to Interest Expense
3.13 1.92 1.21 -0.60 0.64 0.55 0.50 0.38 0.53 0.56
NOPAT Less CapEx to Interest Expense
2.57 1.56 0.98 -0.42 0.53 0.45 0.41 0.32 0.43 0.47
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
26.79% 26.11% 26.18% 42.46% 44.65% 47.74% 49.44% 33.78% 33.88% 33.44%
Augmented Payout Ratio
33.04% 30.51% 30.53% 42.46% 46.11% 49.23% 51.16% 35.04% 34.63% 34.40%

Frequently Asked Questions About Citizens Financial Services' Financials

When does Citizens Financial Services's financial year end?

According to the most recent income statement we have on file, Citizens Financial Services' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Citizens Financial Services' net income changed over the last 2 years?

Citizens Financial Services' net income appears to be on a downward trend, with a most recent value of $27.82 million in 2024, falling from $29.06 million in 2022. The previous period was $17.81 million in 2023.

How has Citizens Financial Services revenue changed over the last 2 years?

Over the last 2 years, Citizens Financial Services' total revenue changed from $81.87 million in 2022 to $101.86 million in 2024, a change of 24.4%.

How much debt does Citizens Financial Services have?

Citizens Financial Services' total liabilities were at $2.73 billion at the end of 2024, a 1.1% increase from 2023, and a 27.8% increase since 2022.

How much cash does Citizens Financial Services have?

In the past 2 years, Citizens Financial Services' cash and equivalents has ranged from $24.81 million in 2022 to $37.73 million in 2023, and is currently $30.28 million as of their latest financial filing in 2024.

How has Citizens Financial Services' book value per share changed over the last 2 years?

Over the last 2 years, Citizens Financial Services' book value per share changed from 50.40 in 2022 to 62.97 in 2024, a change of 24.9%.



This page (NASDAQ:CZFS) was last updated on 4/25/2025 by MarketBeat.com Staff
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