Citizens Financial Servic... (CZFS)
Citizens Financial Services Statistics
Share Statistics
Citizens Financial Services has 4.76M shares outstanding. The number of shares has increased by 0.11% in one year.
| Shares Outstanding | 4.76M |
| Shares Change (YoY) | 0.11% |
| Shares Change (QoQ) | -0.01% |
| Owned by Institutions (%) | 26.01% |
| Shares Floating | 4.43M |
| Failed to Deliver (FTD) Shares | 471 |
| FTD / Avg. Volume | 4.08% |
Short Selling Information
The latest short interest is 44.54K, so 0.94% of the outstanding shares have been sold short.
| Short Interest | 44.54K |
| Short % of Shares Out | 0.94% |
| Short % of Float | 1.01% |
| Short Ratio (days to cover) | 4.43 |
Valuation Ratios
The PE ratio is 10.81 and the forward PE ratio is 8.09. Citizens Financial Services's PEG ratio is 0.24.
| PE Ratio | 10.81 |
| Forward PE | 8.09 |
| PS Ratio | 1.95 |
| Forward PS | 2.1 |
| PB Ratio | 1 |
| P/FCF Ratio | 9.06 |
| PEG Ratio | 0.24 |
Enterprise Valuation
Citizens Financial Services has an Enterprise Value (EV) of 538.92M.
| EV / Sales | 3.49 |
| EV / EBITDA | 0 |
| EV / EBIT | 16.24 |
| EV / FCF | 16.24 |
Financial Position
The company has a current ratio of 39.01, with a Debt / Equity ratio of 0.94.
| Current Ratio | 39.01 |
| Quick Ratio | 39.01 |
| Debt / Equity | 0.94 |
| Debt / EBITDA | - |
| Debt / FCF | 8.45 |
| Interest Coverage | 2.24 |
Financial Efficiency
Return on Equity is 9.28% and Return on Invested Capital is 20.92%.
| Return on Equity | 9.28% |
| Return on Assets | 0.92% |
| Return on Invested Capital | 20.92% |
| Revenue Per Employee | $402.92K |
| Profits Per Employee | $72.63K |
| Employee Count | 383 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 5.87M |
| Effective Tax Rate | 17.41% |
Stock Price Statistics
The stock price has increased by 24.9% in the last 52 weeks. The beta is 0.45, so Citizens Financial Services's price volatility has been higher than the market average.
| Beta | 0.45 |
| 52-Week Price Change | 24.9% |
| 50-Day Moving Average | 59.12 |
| 200-Day Moving Average | 58.14 |
| Relative Strength Index (RSI) | 40.42 |
| Average Volume (20 Days) | 11.54K |
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.
| Revenue | 154.32M |
| Gross Profit | 154.32M |
| Operating Income | 151.72M |
| Net Income | 27.82M |
| EBITDA | 0 |
| EBIT | -1.81M |
| Earnings Per Share (EPS) | 5.86 |
Balance Sheet
The company has 42.2M in cash and 280.38M in debt, giving a net cash position of -238.18M.
| Cash & Cash Equivalents | 42.2M |
| Total Debt | 280.38M |
| Net Cash | -238.18M |
| Retained Earnings | 189.44M |
| Total Assets | 3.03B |
| Working Capital | 93.14M |
Cash Flow
In the last 12 months, operating cash flow was 33.18M and capital expenditures 0, giving a free cash flow of 33.18M.
| Operating Cash Flow | 33.18M |
| Capital Expenditures | 0 |
| Free Cash Flow | 33.18M |
| FCF Per Share | 6.99 |
Margins
Gross margin is 100%, with operating and profit margins of 98.32% and 18.03%.
| Gross Margin | 100% |
| Operating Margin | 98.32% |
| Pretax Margin | 21.83% |
| Profit Margin | 18.03% |
| EBITDA Margin | n/a |
| EBIT Margin | 98.32% |
| FCF Margin | 21.5% |
Dividends & Yields
CZFS pays an annual dividend of $2.45, which amounts to a dividend yield of 3.45%.
| Dividend Per Share | $2.45 |
| Dividend Yield | 3.45% |
| Dividend Growth (YoY) | 2.03% |
| Payout Ratio | 41.8% |
| Earnings Yield | 9.25% |
| FCF Yield | 11.03% |
Analyst Forecast
Currently there are no analyst rating for CZFS.
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
Stock Splits
The last stock split was on Jun 14, 2017. It was a forward split with a ratio of 21:20.
| Last Split Date | Jun 14, 2017 |
| Split Type | forward |
| Split Ratio | 21:20 |
Scores
| Altman Z-Score | 0.23 |
| Piotroski F-Score | 5 |