CZFS Stock Overview
A bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
No risks detected for CZFS from our risk checks.
My Notes
Capture your thoughts, links and company narrative
Citizens Financial Services, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$66.18 |
| 52 Week High | US$75.40 |
| 52 Week Low | US$38.52 |
| Beta | 0.55 |
| 1 Month Change | -9.02% |
| 3 Month Change | 23.93% |
| 1 Year Change | 2.83% |
| 3 Year Change | 14.12% |
| 5 Year Change | 14.03% |
| Change since IPO | 704.31% |
Recent News & Updates
Recent updates
Citizens Financial Services (NASDAQ:CZFS) Is Paying Out A Dividend Of $0.49
Sep 09
Citizens Financial Services (NASDAQ:CZFS) Has Announced A Dividend Of $0.49
Jun 11Citizens Financial Services (NASDAQ:CZFS) Will Pay A Dividend Of $0.49
Mar 11Here's Why We Think Citizens Financial Services (NASDAQ:CZFS) Might Deserve Your Attention Today
May 10Citizens Financial Services to acquire HV Bancorp
Oct 19Citizens Financial Services (NASDAQ:CZFS) Is Increasing Its Dividend To $0.48
Sep 06Citizens Financial Services rises dividend 1.1% to $0.48/shares
Sep 01Citizens Financial Services GAAP EPS of $1.74, revenue of $20.03M
Jul 22Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47
Jun 08Shareholder Returns
| CZFS | US Banks | US Market | |
|---|---|---|---|
| 7D | -4.6% | -3.4% | -2.4% |
| 1Y | 2.8% | 29.1% | 23.4% |
Return vs Industry: CZFS underperformed the US Banks industry which returned 29.1% over the past year.
Return vs Market: CZFS underperformed the US Market which returned 23.4% over the past year.
Price Volatility
| CZFS volatility | |
|---|---|
| CZFS Average Weekly Movement | 8.5% |
| Banks Industry Average Movement | 5.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: CZFS has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: CZFS's weekly volatility (8%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1984 | 409 | Randy Black | www.firstcitizensbank.com |
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services.
Citizens Financial Services, Inc. Fundamentals Summary
| CZFS fundamental statistics | |
|---|---|
| Market cap | US$315.00m |
| Earnings (TTM) | US$27.38m |
| Revenue (TTM) | US$98.20m |
11.5x
P/E Ratio1.1x
P/B RatioIs CZFS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CZFS income statement (TTM) | |
|---|---|
| Revenue | US$98.20m |
| Cost of Revenue | US$0 |
| Gross Profit | US$98.20m |
| Other Expenses | US$70.83m |
| Earnings | US$27.38m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.75 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.88% |
| Debt/Equity Ratio | 79.2% |
How did CZFS perform over the long term?
See historical performance and comparisonDividends
3.0%
Current Dividend Yield34%
Payout RatioDoes CZFS pay a reliable dividends?
See CZFS dividend history and benchmarks| Citizens Financial Services dividend dates | |
|---|---|
| Ex Dividend Date | Dec 13 2024 |
| Dividend Pay Date | Dec 27 2024 |
| Days until Ex dividend | 10 days |
| Days until Dividend pay date | 4 days |
Does CZFS pay a reliable dividends?
See CZFS dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 17:07 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Citizens Financial Services, Inc. is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Beury | Boenning & Scattergood, Inc. |
| Jacob Civiello | Janney Montgomery Scott LLC |