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Citizens Financial Services Inkomsten in het verleden

Verleden criteriumcontroles 5/6

Citizens Financial Services is de winst gegroeid met een gemiddeld jaarlijks percentage van 1.8%, terwijl de Banks industrie de winst jaarlijks groeide met 8.3%. De inkomsten zijn gegroeid met een gemiddelde snelheid van 9.8% per jaar. Het rendement op eigen vermogen van Citizens Financial Services is 9.6%, en het heeft een nettomarge van 27.9%.

Belangrijke informatie

1.8%

Groei van de winst

-1.5%

Groei van de winst per aandeel

Banks Groei van de industrie	11.2%
Inkomstengroei	9.8%
Rendement op eigen vermogen	9.6%
Nettomarge	27.9%
Laatste winstupdate	30 Jun 2024

Recente prestatie-updates uit het verleden

Recent updates

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

May 10

Citizens Financial Services to acquire HV Bancorp

Oct 19

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

Sep 06

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

Sep 01

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

Jul 22

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

Jun 08

Opbrengsten en kosten

Hoe Citizens Financial Services geld verdient en uitgeeft. Gebaseerd op laatst gerapporteerde winst, op LTM-basis.

Inkomsten en omzetgeschiedenis

NasdaqCM:CZFS Opbrengsten, kosten en inkomsten (USD Millions )
Datum	Inkomsten	Inkomsten	G+A Uitgaven
30 Jun 24	98	27	50
31 Mar 24	91	18	47
31 Dec 23	86	18	44
30 Sep 23	82	18	40
30 Jun 23	78	18	36
31 Mar 23	82	29	36
31 Dec 22	80	29	35
30 Sep 22	78	28	34
30 Jun 22	76	28	34
31 Mar 22	75	27	33
31 Dec 21	76	29	32
30 Sep 21	76	29	32
30 Jun 21	76	30	32
31 Mar 21	76	29	31
31 Dec 20	71	25	30
30 Sep 20	66	23	28
30 Jun 20	61	20	27
31 Mar 20	57	20	26
31 Dec 19	57	19	26
30 Sep 19	56	19	26
30 Jun 19	54	18	26
31 Mar 19	54	18	25
31 Dec 18	53	18	25
30 Sep 18	53	16	23
30 Jun 18	51	15	23
31 Mar 18	50	14	22
31 Dec 17	48	13	22
30 Sep 17	46	14	21
30 Jun 17	45	13	21
31 Mar 17	45	13	21
31 Dec 16	44	13	20
30 Sep 16	43	12	19
30 Jun 16	41	12	17
31 Mar 16	40	12	16
31 Dec 15	38	12	15
30 Sep 15	37	13	15
30 Jun 15	37	13	14
31 Mar 15	37	13	14
31 Dec 14	37	13	14
30 Sep 14	37	13	14
30 Jun 14	37	13	14
31 Mar 14	37	13	14
31 Dec 13	37	13	14

Kwaliteitswinsten: CZFS heeft hoge kwaliteitsinkomsten.

Groeiende winstmarge: De huidige netto winstmarges (27.9%) CZFS } zijn hoger dan vorig jaar (23.4%).

Analyse vrije kasstroom versus winst

Analyse van de winstgroei in het verleden

Winsttrend: De winst van CZFS is de afgelopen 5 jaar met 1.8% per jaar gegroeid.

Versnelling van de groei: De winstgroei van CZFS over het afgelopen jaar ( 51% ) overtreft het 5-jarig gemiddelde ( 1.8% per jaar).

Winst versus industrie: De winstgroei CZFS over het afgelopen jaar ( 51% ) overtrof de Banks -sector -15.9%.

Rendement op eigen vermogen

Hoge ROE: Het Rendement op eigen vermogen ( 9.6% ) van CZFS wordt als laag beschouwd.

Citizens Financial Services Inkomsten in het verleden

Verleden criteriumcontroles 5/6

Belangrijke informatie

Recente prestatie-updates uit het verleden

Second quarter 2024 earnings released: EPS: US$1.11 (vs US$1.00 loss in 2Q 2023)

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Full year 2023 earnings: EPS exceeds analyst expectations

Full year 2023 earnings: EPS exceeds analyst expectations

Third quarter 2023 earnings: EPS and revenues exceed analyst expectations

Second quarter 2023 earnings: EPS and revenues miss analyst expectations

Recent updates

Citizens Financial Services (NASDAQ:CZFS) Is Paying Out A Dividend Of $0.49

Second quarter dividend of US$0.49 announced

Investor sentiment improves as stock rises 16%

Investor sentiment deteriorates as stock falls 18%

Second quarter 2024 earnings released: EPS: US$1.11 (vs US$1.00 loss in 2Q 2023)

Investor sentiment improves as stock rises 22%

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).

Opbrengsten en kosten

Inkomsten en omzetgeschiedenis

Analyse vrije kasstroom versus winst

Analyse van de winstgroei in het verleden

Rendement op eigen vermogen

Rendement op activa

Rendement op geïnvesteerd vermogen