Citizens Financial Services Balance Sheet Health
Financial Health criteria checks 6/6
Citizens Financial Services has total assets of $3.0B and total equity of $298.7M. Total deposits are $2.5B, and total loans are $2.3B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are $49.6M.
Key information
10.1x
Asset to equity ratio
3.2%
Net interest margin
| Total deposits | US$2.45b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.9% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$49.58m |
Recent financial health updates
No 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 08Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CZFS's Assets to Equity ratio (10.1x) is moderate.
Allowance for Bad Loans: CZFS has a sufficient allowance for bad loans (101%).
Low Risk Liabilities: 90% of CZFS's liabilities are made up of primarily low risk sources of funding.
Loan Level: CZFS has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: CZFS's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: CZFS has an appropriate level of bad loans (0.9%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/31 22:34 |
| End of Day Share Price | 2024/12/31 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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| 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
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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 |