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CZFS

Citizens Financial Services NasdaqCM:CZFS Stock Report

Last Price

US$72.34

Market Cap

US$287.3m

7D

-0.9%

1Y

21.8%

Updated

08 Dec, 2022

Data

Company Financials +
CZFS fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance2/6
Financial Health6/6
Dividends4/6

CZFS Stock Overview

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers.

Citizens Financial Services, Inc. Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Citizens Financial Services
Historical stock prices
Current Share PriceUS$72.34
52 Week HighUS$88.00
52 Week LowUS$58.42
Beta0.34
1 Month Change3.65%
3 Month Change-6.05%
1 Year Change21.77%
3 Year Change22.18%
5 Year Change20.68%
Change since IPO761.85%

Recent News & Updates

Citizens Financial Services to acquire HV Bancorp

Oct 19

Recent updates

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

Sep 06
Citizens Financial Services (NASDAQ:CZFS) Is Increasing Its Dividend To $0.48

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

Jun 08
Citizens Financial Services (NASDAQ:CZFS) Has Announced That It Will Be Increasing Its Dividend To US$0.47

Shareholder Returns

CZFSUS BanksUS Market
7D-0.9%-6.2%-2.8%
1Y21.8%-20.2%-19.6%

Return vs Industry: CZFS exceeded the US Banks industry which returned -19.7% over the past year.

Return vs Market: CZFS exceeded the US Market which returned -21.2% over the past year.

Price Volatility

Is CZFS's price volatile compared to industry and market?
CZFS volatility
CZFS Average Weekly Movement5.0%
Banks Industry Average Movement4.1%
Market Average Movement7.4%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market3.3%

Stable Share Price: CZFS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: CZFS's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1932317Randy Blackhttps://www.firstcitizensbank.com

Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that 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

How do Citizens Financial Services's earnings and revenue compare to its market cap?
CZFS fundamental statistics
Market CapUS$287.28m
Earnings (TTM)US$28.13m
Revenue (TTM)US$79.27m

10.2x

P/E Ratio

1.5x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CZFS income statement (TTM)
RevenueUS$79.27m
Cost of RevenueUS$0
Gross ProfitUS$79.27m
Other ExpensesUS$51.14m
EarningsUS$28.13m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)7.08
Gross Margin100.00%
Net Profit Margin35.49%
Debt/Equity Ratio135.3%

How did CZFS perform over the long term?

See historical performance and comparison

Dividends

2.7%

Current Dividend Yield

27%

Payout Ratio

Does CZFS pay a reliable dividends?

See CZFS dividend history and benchmarks
When do you need to buy CZFS by to receive an upcoming dividend?
Citizens Financial Services dividend dates
Ex Dividend DateDec 15 2022
Dividend Pay DateDec 30 2022
Days until Ex dividend5 days
Days until Dividend pay date20 days

Does CZFS pay a reliable dividends?

See CZFS dividend history and benchmarks