CZFS Stock Overview
A bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers.
| 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.
Citizens Financial Services, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$52.30 |
| 52 Week High | US$65.86 |
| 52 Week Low | US$38.52 |
| Beta | 0.49 |
| 11 Month Change | 16.09% |
| 3 Month Change | 28.96% |
| 1 Year Change | 2.03% |
| 33 Year Change | -13.78% |
| 5 Year Change | -5.23% |
| Change since IPO | 535.62% |
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 | -8.1% | -5.5% | -4.4% |
| 1Y | 2.0% | 37.7% | 19.1% |
Return vs Industry: CZFS underperformed the US Banks industry which returned 37.7% over the past year.
Return vs Market: CZFS underperformed the US Market which returned 19.1% over the past year.
Price Volatility
| CZFS volatility | |
|---|---|
| CZFS Average Weekly Movement | 10.0% |
| Banks Industry Average Movement | 4.7% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 14.9% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: CZFS has not had significant price volatility in the past 3 months.
Volatility Over Time: CZFS's weekly volatility (10%) 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$248.94m |
| Earnings (TTM) | US$27.39m |
| Revenue (TTM) | US$98.19m |
9.1x
P/E Ratio0.9x
P/B RatioIs CZFS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CZFS income statement (TTM) | |
|---|---|
| Revenue | US$98.19m |
| Cost of Revenue | US$0 |
| Gross Profit | US$98.19m |
| Other Expenses | US$70.80m |
| Earnings | US$27.39m |
Last Reported Earnings
Jun 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.75 |
| Gross Margin | 100.00% |
| Net Profit Margin | 27.89% |
| Debt/Equity Ratio | 119.4% |
How did CZFS perform over the long term?
See historical performance and comparisonDividends
3.7%
Current Dividend Yield34%
Payout RatioDoes CZFS pay a reliable dividends?
See CZFS dividend history and benchmarks| Citizens Financial Services dividend dates | |
|---|---|
| Ex Dividend Date | Sep 13 2024 |
| Dividend Pay Date | Sep 27 2024 |
| Days until Ex dividend | 3 days |
| Days until Dividend pay date | 17 days |
Does CZFS pay a reliable dividends?
See CZFS dividend history and benchmarks