Citizens Financial Services Past Earnings Performance
Past criteria checks 1/6
Citizens Financial Services has been growing earnings at an average annual rate of 2.3%, while the Banks industry saw earnings growing at 9.3% annually. Revenues have been growing at an average rate of 9.6% per year. Citizens Financial Services's return on equity is 6.4%, and it has net margins of 19.7%.
Key information
2.3%
Earnings growth rate
-0.5%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 9.6% |
| Return on equity | 6.4% |
| Net Margin | 19.7% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
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 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 08Revenue & Expenses Breakdown
How Citizens Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 91 | 18 | 47 | 0 |
| 31 Dec 23 | 86 | 18 | 44 | 0 |
| 30 Sep 23 | 82 | 18 | 40 | 0 |
| 30 Jun 23 | 78 | 18 | 37 | 0 |
| 31 Mar 23 | 82 | 29 | 36 | 0 |
| 31 Dec 22 | 80 | 29 | 35 | 0 |
| 30 Sep 22 | 78 | 28 | 34 | 0 |
| 30 Jun 22 | 76 | 28 | 34 | 0 |
| 31 Mar 22 | 75 | 27 | 33 | 0 |
| 31 Dec 21 | 76 | 29 | 32 | 0 |
| 30 Sep 21 | 76 | 29 | 32 | 0 |
| 30 Jun 21 | 76 | 30 | 32 | 0 |
| 31 Mar 21 | 76 | 29 | 31 | 0 |
| 31 Dec 20 | 71 | 25 | 30 | 0 |
| 30 Sep 20 | 66 | 23 | 28 | 0 |
| 30 Jun 20 | 61 | 20 | 27 | 0 |
| 31 Mar 20 | 57 | 20 | 26 | 0 |
| 31 Dec 19 | 57 | 19 | 26 | 0 |
| 30 Sep 19 | 56 | 19 | 26 | 0 |
| 30 Jun 19 | 54 | 18 | 26 | 0 |
| 31 Mar 19 | 54 | 18 | 25 | 0 |
| 31 Dec 18 | 53 | 18 | 25 | 0 |
| 30 Sep 18 | 53 | 16 | 23 | 0 |
| 30 Jun 18 | 51 | 15 | 23 | 0 |
| 31 Mar 18 | 50 | 14 | 22 | 0 |
| 31 Dec 17 | 48 | 13 | 22 | 0 |
| 30 Sep 17 | 46 | 14 | 21 | 0 |
| 30 Jun 17 | 45 | 13 | 21 | 0 |
| 31 Mar 17 | 45 | 13 | 21 | 0 |
| 31 Dec 16 | 44 | 13 | 20 | 0 |
| 30 Sep 16 | 43 | 12 | 19 | 0 |
| 30 Jun 16 | 41 | 12 | 17 | 0 |
| 31 Mar 16 | 40 | 12 | 16 | 0 |
| 31 Dec 15 | 38 | 12 | 15 | 0 |
| 30 Sep 15 | 37 | 13 | 15 | 0 |
| 30 Jun 15 | 37 | 13 | 14 | 0 |
| 31 Mar 15 | 37 | 13 | 14 | 0 |
| 31 Dec 14 | 37 | 13 | 14 | 0 |
| 30 Sep 14 | 37 | 13 | 14 | 0 |
| 30 Jun 14 | 37 | 13 | 14 | 0 |
| 31 Mar 14 | 37 | 13 | 14 | 0 |
| 31 Dec 13 | 37 | 13 | 14 | 0 |
| 30 Sep 13 | 37 | 14 | 14 | 0 |
Quality Earnings: CZFS has a large one-off loss of $9.0M impacting its last 12 months of financial results to 31st March, 2024.
Growing Profit Margin: CZFS's current net profit margins (19.7%) are lower than last year (35.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CZFS's earnings have grown by 2.3% per year over the past 5 years.
Accelerating Growth: CZFS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CZFS had negative earnings growth (-38.4%) over the past year, making it difficult to compare to the Banks industry average (-13.9%).
Return on Equity
High ROE: CZFS's Return on Equity (6.4%) is considered low.