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    Citizens Financial Servic...

    NASDAQ: CZFS · Real-Time Price · USD
    55.98
    -4.16 (-6.92%)
    At close: Jun 13, 2025, 3:59 PM
    55.31
    -1.20%
    After-hours: Jun 13, 2025, 04:00 PM EDT

    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

    n/a
    		 4.76M

    Shares Change (YoY)

    n/a
    		 0.11%

    Shares Change (QoQ)

    n/a
    		 -0.01%

    Owned by Institutions (%)

    n/a
    		 26.12%

    Shares Floating

    n/a
    		 4.47M

    Failed to Deliver (FTD) Shares

    n/a
    		 439

    FTD / Avg. Volume

    n/a
    		 4.48%

    Short Selling Information

    The latest short interest is 55.66K, so 1.17% of the outstanding shares have been sold short.

    Short Interest

    n/a
    		 55.66K

    Short % of Shares Out

    n/a
    		 1.17%

    Short % of Float

    n/a
    		 1.24%

    Short Ratio (days to cover)

    n/a
    		 6.06

    Valuation Ratios

    The PE ratio is 10.81 and the forward PE ratio is 8.91. Citizens Financial Services's PEG ratio is 0.24.

    PE Ratio

    n/a
    		 10.81

    Forward PE

    n/a
    		 8.91

    PS Ratio

    n/a
    		 2.98

    Forward PS

    n/a
    		 2.2

    PB Ratio

    n/a
    		 1

    P/FCF Ratio

    n/a
    		 9.44

    PEG Ratio

    n/a
    		 0.24
    Financial Ratio History

    Enterprise Valuation

    Citizens Financial Services has an Enterprise Value (EV) of 538.92M.

    EV / Sales

    n/a
    		 5.35

    EV / EBITDA

    n/a
    		 15.19

    EV / EBIT

    n/a
    		 16.24

    EV / FCF

    n/a
    		 16.91

    Financial Position

    The company has a current ratio of 0.2, with a Debt / Equity ratio of 0.94.

    Current Ratio

    n/a
    		 0.2

    Quick Ratio

    n/a
    		 0.2

    Debt / Equity

    n/a
    		 0.94

    Debt / EBITDA

    n/a
    		 7.9

    Debt / FCF

    n/a
    		 8.8

    Interest Coverage

    n/a
    		 0.5

    Financial Efficiency

    Return on Equity is 9.28% and Return on Invested Capital is -1.56%.

    Return on Equity

    n/a
    		 9.28%

    Return on Assets

    n/a
    		 0.92%

    Return on Invested Capital

    n/a
    		 -1.56%

    Revenue Per Employee

    n/a
    		 $265,841.69

    Profits Per Employee

    n/a
    		 $73,398.42

    Employee Count

    n/a
    		 379

    Asset Turnover

    n/a
    		 0.03

    Inventory Turnover

    n/a
    		 n/a

    Taxes

    Income Tax

    n/a
    		 5.87M

    Effective Tax Rate

    n/a
    		 17.41%

    Stock Price Statistics

    The stock price has increased by 32.15% in the last 52 weeks. The beta is 0.47, so Citizens Financial Services's price volatility has been higher than the market average.

    Beta

    n/a
    		 0.47

    52-Week Price Change

    n/a
    		 32.15%

    50-Day Moving Average

    n/a
    		 57.86

    200-Day Moving Average

    n/a
    		 60.24

    Relative Strength Index (RSI)

    n/a
    		 39.36

    Average Volume (20 Days)

    n/a
    		 9,807

    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.

    Revenue

    n/a
    		 100.75M

    Gross Profit

    n/a
    		 100.75M

    Operating Income

    n/a
    		 33.68M

    Net Income

    n/a
    		 27.82M

    EBITDA

    n/a
    		 35.49M

    EBIT

    n/a
    		 33.68M

    Earnings Per Share (EPS)

    n/a
    		 5.86
    Full Income Statement

    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

    n/a
    		 42.2M

    Total Debt

    n/a
    		 280.38M

    Net Cash

    n/a
    		 -238.18M

    Retained Earnings

    n/a
    		 189.44M

    Total Assets

    n/a
    		 3.02B

    Working Capital

    n/a
    		 -2.27B
    Full Balance Sheet

    Cash Flow

    In the last 12 months, operating cash flow was 33.18M and capital expenditures -1.31M, giving a free cash flow of 31.87M.

    Operating Cash Flow

    n/a
    		 33.18M

    Capital Expenditures

    n/a
    		 -1.31M

    Free Cash Flow

    n/a
    		 31.87M

    FCF Per Share

    n/a
    		 6.71
    Full Cash Flow Statement

    Margins

    Gross margin is 100%, with operating and profit margins of 33.43% and 27.61%.

    Gross Margin

    n/a
    		 100%

    Operating Margin

    n/a
    		 33.43%

    Pretax Margin

    n/a
    		 33.43%

    Profit Margin

    n/a
    		 27.61%

    EBITDA Margin

    n/a
    		 35.22%

    EBIT Margin

    n/a
    		 33.43%

    FCF Margin

    n/a
    		 31.63%

    Dividends & Yields

    CZFS pays an annual dividend of $2.45, which amounts to a dividend yield of 3.27%.

    Dividend Per Share

    n/a
    		 $2.45

    Dividend Yield

    n/a
    		 3.27%

    Dividend Growth (YoY)

    n/a
    		 2.03%

    Payout Ratio

    n/a
    		 41.04%

    Earnings Yield

    n/a
    		 9.25%

    FCF Yield

    n/a
    		 10.6%
    Dividend Details

    Analyst Forecast

    Currently there are no analyst rating for CZFS.

    Price Target

    n/a
    		 n/a

    Price Target Difference

    n/a
    		 n/a

    Analyst Consensus

    n/a
    		 n/a

    Analyst Count

    n/a
    		 n/a
    Stock Forecasts

    Fair Value

    There are several formulas that can be used to estimate the intrinsic value of a stock.

    Lynch Fair Value

    n/a
    		 $29.3

    Lynch Upside

    n/a
    		 -47.66%

    Graham Number

    n/a
    		 91.18

    Graham Upside

    n/a
    		 62.88%

    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

    n/a
    		 Jun 14, 2017

    Split Type

    n/a
    		 forward

    Split Ratio

    n/a
    		 21:20

    Scores

    Altman Z-Score

    n/a
    		 -0.68

    Piotroski F-Score

    n/a
    		 5

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