Citizens Financial Services Balance Sheet Health

Finanzielle Gesundheit Kriterienprüfungen 6/6

Citizens Financial Services hat eine Bilanzsumme von $2.9B und ein Eigenkapital von $282.7M. Die Gesamteinlagen belaufen sich auf $2.3B, die Gesamtkredite auf $2.2B. Das Unternehmen erzielt eine Nettozinsmarge von 3.2%. Es verfügt über ausreichende Wertberichtigungen für notleidende Kredite, die derzeit 0.7% der gesamten Kredite betragen. Die Barmittel und kurzfristigen Anlagen betragen $48.3M.

Wichtige Informationen

10.3x

Verhältnis von Vermögen zu Eigenkapital

3.2%

Nettozinsspanne

Gesamteinlagen	US$2.30b
Kredit- zu Einlagenverhältnis	Angemessen
Notleidende Kredite	0.7%
Wertberichtigung für notleidende Kredite	Ausreichend
Liquiditätskennzahl	Niedrig
Bargeld und Äquivalente	US$48.30m

Jüngste Berichte zur Finanzlage

Keine Aktualisierungen

Recent updates

Citizens Financial Services (NASDAQ:CZFS) Has Announced A Dividend Of $0.49

Jun 11

Citizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49

Mar 11

Here's Why We Think Citizens Financial Services (NASDAQ:CZFS) Might Deserve Your Attention Today

May 10

Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47

Jun 08

Analyse der Finanzlage

Geschichte und Analyse des Verhältnisses von Schulden zu Eigenkapital

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Vermögensebene: CZFSDas Verhältnis von Vermögen zu Eigenkapital (10.3x) ist moderat.

Wertberichtigung für uneinbringliche Kredite: CZFS hat eine ausreichende Wertberichtigung für notleidende Kredite (139%).

Verbindlichkeiten mit geringem Risiko: 87% der Verbindlichkeiten von CZFS bestehen hauptsächlich aus risikoarmen Finanzierungsquellen.

Darlehenshöhe: CZFS ein angemessenes Niveau des Verhältnis von Krediten zu Vermögenswerten aufweist (76%).

Einlagen mit geringem Risiko: CZFSDas Verhältnis von Krediten zu Einlagen (96%) ist angemessen.

Höhe der notleidenden Kredite: CZFS einen angemessenen Anteil an notleidenden Krediten hat (0.7%).

Citizens Financial Services Balance Sheet Health

Finanzielle Gesundheit Kriterienprüfungen 6/6

Wichtige Informationen

Jüngste Berichte zur Finanzlage

Recent updates

Citizens Financial Services (NASDAQ:CZFS) Has Announced A Dividend Of $0.49

First quarter dividend of US$0.49 announced

Investor sentiment improves as stock rises 19%

Price target decreased by 13% to US$53.00

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Citizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49

Full year 2023 earnings: EPS exceeds analyst expectations

Fourth quarter dividend of US$0.49 announced

Full year 2023 earnings: EPS exceeds analyst expectations

Citizens Financial Services, Inc., Annual General Meeting, Apr 16, 2024

[Correction]: A Key Development was Inadvertently sent stating Stephen Guillaume, CFO of Citizens Financial Services, Inc. has Announced Termination

Citizens Financial Services, Inc. and First Citizens Community Bank Announce Termination of Stephen J. Guillaume, Chief Financial Officer

Citizens Financial Services, Inc. and First Citizens Community Bank Announce Termination of Stephen J. Guillaume, Chief Financial Officer

Investor sentiment improves as stock rises 15%

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Price target decreased by 35% to US$52.00

New minor risk - Insider selling

Insider recently sold US$415k worth of stock

Director recently sold US$76k worth of stock

Insider recently bought US$52k worth of stock

Investor sentiment deteriorates as stock falls 16%

Citizens Financial Services, Inc. and First Citizens Community Bank Announces Executive Changes, Effective September 5, 2023

Consensus EPS estimates fall by 23%

New minor risk - Earnings quality

Second quarter 2023 earnings: EPS and revenues miss analyst expectations

Price target decreased by 17% to US$80.00

New minor risk - Shareholder dilution

Citizens Financial Services, Inc. (NasdaqCM:CZFS) completed the acquisition of HV Bancorp, Inc. (NasdaqCM:HVBC) from a group of shareholders.

Investor sentiment improves as stock rises 21%

Here's Why We Think Citizens Financial Services (NASDAQ:CZFS) Might Deserve Your Attention Today

First quarter 2023 earnings: EPS and revenues miss analyst expectations

Independent Chairman of the Board recently sold US$285k worth of stock

Insufficient new directors

Now 21% undervalued

Full year 2022 earnings: EPS exceeds analyst expectations while revenues lag behind

Citizens Financial Services, Inc., Annual General Meeting, Apr 18, 2023

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend, Payable on December 30, 2022

Price target increased to US$79.00

Third quarter 2022 earnings released: EPS: US$1.90 (vs US$1.77 in 3Q 2021)

Citizens Financial Services, Inc. Announces Net Charge-Offs for the Three Months Ended September 30, 2022

Citizens Financial Services to acquire HV Bancorp

Upcoming dividend of US$0.48 per share

Citizens Financial Services (NASDAQ:CZFS) Is Increasing Its Dividend To $0.48

Citizens Financial Services, Inc., Annual General Meeting, Dec 19, 2022

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend, Payable on September 30, 2022

Citizens Financial Services rises dividend 1.1% to $0.48/shares

Price target increased to US$79.00

Second quarter 2022 earnings: EPS in line with expectations, revenues disappoint

Citizens Financial Services GAAP EPS of $1.74, revenue of $20.03M

Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend, Payable on June 24, 2022

Independent Director recently sold US$88k worth of stock

Upcoming dividend of US$0.47 per share

Citizens Financial Services, Inc. and First Citizens Community Bank Appoints Janie Hilfiger to the Board of Directors

Citizens Financial Services, Inc., Annual General Meeting, Apr 20, 2021

Citizens Financial Services, Inc. (OTCPK:CZFS) completed the acquisition of MidCoast Community Bancorp, Inc. (OTCPK:MDCT).

Analyse der Finanzlage

Geschichte und Analyse des Verhältnisses von Schulden zu Eigenkapital

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