Citizens Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Citizens Financial Services
CZFS Stock  USD 57.74  0.87  1.53%   
Citizens Financial financial statements provide useful quarterly and yearly information to potential Citizens Financial Services investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Citizens Financial financial statements helps investors assess Citizens Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Citizens Financial's valuation are summarized below:
Gross Profit
99.3 M
Profit Margin
0.2802
Market Capitalization
270.7 M
Enterprise Value Revenue
5.4806
Revenue
99.3 M
There are over one hundred nineteen available fundamental signals for Citizens Financial Services, which can be analyzed over time and compared to other ratios. All traders should validate Citizens Financial's prevailing fundamentals against the performance from 2010 to 2025 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 315.8 M in 2025. Enterprise Value is likely to gain to about 565.9 M in 2025

Citizens Financial Total Revenue

162.03 Million

Check Citizens Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.9 M, Interest Expense of 71.3 M or Selling General Administrative of 2.5 M, as well as many indicators such as Price To Sales Ratio of 1.85, Dividend Yield of 0.0363 or PTB Ratio of 1.64. Citizens financial statements analysis is a perfect complement when working with Citizens Financial Valuation or Volatility modules.
  
Check out the analysis of Citizens Financial Correlation against competitors.

Citizens Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets3.2 B3 B1.6 B
Slightly volatile
Short and Long Term Debt Total294.4 M280.4 M121.4 M
Slightly volatile
Total Stockholder Equity314.7 M299.7 M159.3 M
Slightly volatile
Property Plant And Equipment Net13.8 M21.4 M15.8 M
Slightly volatile
Retained Earnings198.9 M189.4 M111 M
Slightly volatile
Cash29.9 M42.2 M41.7 M
Slightly volatile
Non Current Assets Total119 M125.2 M858.9 M
Very volatile
Cash And Short Term Investments491.5 M468.1 M341.4 M
Slightly volatile
Net Receivables10.8 M10.3 M5.7 M
Slightly volatile
Common Stock Shares Outstanding4.1 M4.8 M3.8 M
Slightly volatile
Liabilities And Stockholders Equity3.2 B3 B1.6 B
Slightly volatile
Non Current Liabilities Total259.2 M272.8 M723.4 M
Very volatile
Other Stockholder Equity135 M128.6 M50.9 M
Slightly volatile
Total Liabilities2.9 B2.7 B1.5 B
Slightly volatile
Total Current Assets502.3 M478.4 M176.2 M
Slightly volatile
Common Stock3.5 M5.2 M3.8 M
Slightly volatile
Total Current Liabilities12.9 M12.3 M2.8 M
Slightly volatile
Accounts Payable4.9 M4.7 M1.8 M
Slightly volatile
Other Current Assets58.5 M61.6 M292.1 M
Slightly volatile
Other Liabilities10.6 M17.4 M12.5 M
Slightly volatile
Long Term Debt286.5 M272.8 M112.1 M
Slightly volatile
Good Will103.6 M98.6 M33.9 M
Slightly volatile
Short Term Investments215.8 M425.9 M285.7 M
Slightly volatile
Intangible Assets4.8 M2.9 M4 M
Slightly volatile
Property Plant Equipment15.2 M20.3 M15.5 M
Slightly volatile
Short Term Debt7.2 M7.6 M72 M
Pretty Stable
Net Tangible Assets135 M192.6 M123 M
Slightly volatile
Common Stock Total Equity4.3 M5.1 M3.9 M
Slightly volatile
Retained Earnings Total Equity118.5 M189.7 M111 M
Slightly volatile
Capital Surpluse57.8 M93 M51.9 M
Slightly volatile
Long Term Investments701.4 M427.7 M622.1 M
Pretty Stable
Non Current Liabilities Other15.7 M23.9 M13.9 M
Slightly volatile
Short and Long Term Debt7.2 M7.6 M23.7 M
Slightly volatile
Net Invested Capital401.9 M580.1 M314.4 M
Slightly volatile
Capital Stock4.9 M5.2 M4.2 M
Slightly volatile
Property Plant And Equipment Gross38.2 M40.1 M32.3 M
Slightly volatile
Long Term Debt Total7.8 M8.8 M9.5 M
Slightly volatile

Citizens Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.9 M1.8 M773.5 K
Slightly volatile
Interest Expense71.3 M67.9 M17.9 M
Slightly volatile
Selling General Administrative2.5 M2.6 M16.3 M
Slightly volatile
Total Revenue162 M154.3 M64.7 M
Slightly volatile
Gross Profit162 M154.3 M64.7 M
Slightly volatile
Other Operating Expenses2.5 M2.6 M20 M
Slightly volatile
Operating Income159.3 M151.7 M43.4 M
Slightly volatile
EBIT23.7 M24.7 M24.9 M
Slightly volatile
EBITDA24.7 M26.5 M25.7 M
Slightly volatile
Income Before Tax35.4 M33.7 M22.4 M
Slightly volatile
Net Income29.2 M27.8 M18.1 M
Slightly volatile
Income Tax Expense3 M5.9 M4.1 M
Slightly volatile
Net Income Applicable To Common Shares35.1 M33.4 M19.6 M
Slightly volatile
Net Income From Continuing Ops21.1 M27.8 M18.2 M
Slightly volatile
Non Recurring141.1 K148.5 K243.6 K
Slightly volatile
Tax Provision5.3 M5.9 M4.2 M
Slightly volatile
Net Interest Income65.8 M84.9 M51.9 M
Slightly volatile
Interest Income87.1 M152.8 M66 M
Slightly volatile
Selling And Marketing Expenses31.9 M35.9 M39.2 M
Slightly volatile

Citizens Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow34.8 M33.2 M20.1 M
Slightly volatile
Begin Period Cash Flow55.5 M52.8 M37.6 M
Slightly volatile
Dividends Paid9.8 M9.3 M6 M
Slightly volatile
Total Cash From Operating Activities34.8 M33.2 M20.8 M
Slightly volatile
Net Income29.2 M27.8 M18.1 M
Slightly volatile
End Period Cash Flow26.7 M42.2 M35.6 M
Slightly volatile
Change To Inventory943.1 K898.1 K744.5 K
Pretty Stable

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.851.94884.6177
Slightly volatile
Dividend Yield0.03630.03090.0306
Very volatile
PTB Ratio1.641.00331.4017
Slightly volatile
Days Sales Outstanding23.1624.378790.3791
Slightly volatile
Book Value Per Share66.2563.099439.8562
Slightly volatile
Free Cash Flow Yield0.07690.11030.0985
Pretty Stable
Operating Cash Flow Per Share7.336.98545.2899
Slightly volatile
Stock Based Compensation To Revenue0.00250.00270.0051
Slightly volatile
PB Ratio1.641.00331.4017
Slightly volatile
EV To Sales3.323.49235.5362
Slightly volatile
Free Cash Flow Per Share7.336.98545.1108
Slightly volatile
ROIC0.220.20920.0472
Slightly volatile
Net Income Per Share6.155.85624.6015
Slightly volatile
Sales General And Administrative To Revenue0.0160.01680.4077
Slightly volatile
Capex To Revenue0.05570.03490.0274
Pretty Stable
Cash Per Share10398.546587.421
Slightly volatile
POCF Ratio7.749.063210.202
Very volatile
Interest Coverage1.92.23573.2003
Pretty Stable
Payout Ratio0.420.33440.3509
Very volatile
Capex To Operating Cash Flow0.170.110.056
Slightly volatile
PFCF Ratio8.19.063210.6359
Very volatile
Income Quality1.381.19281.1737
Pretty Stable
ROE0.140.09280.1244
Slightly volatile
EV To Operating Cash Flow9.9416.241213.0438
Slightly volatile
PE Ratio12.9710.810811.7128
Very volatile
Return On Tangible Assets0.00940.00950.0121
Slightly volatile
EV To Free Cash Flow10.8616.241213.64
Slightly volatile
Earnings Yield0.07170.09250.0896
Pretty Stable
Intangibles To Total Assets0.03080.02930.0186
Slightly volatile
Current Ratio60.7439.007127
Slightly volatile
Tangible Book Value Per Share46.6644.43731.8378
Slightly volatile
Receivables Turnover15.7214.972110.4846
Slightly volatile
Graham Number95.7491.182563.7529
Slightly volatile
Shareholders Equity Per Share66.2563.099439.8562
Slightly volatile
Debt To Equity0.590.93540.6491
Slightly volatile
Capex Per Share0.340.680.2469
Slightly volatile
Revenue Per Share34.1132.486516.0134
Slightly volatile
Interest Debt Per Share76.9873.311933.7423
Slightly volatile
Debt To Assets0.0520.09270.0626
Slightly volatile
Short Term Coverage Ratios4.143.943.6214
Slightly volatile
Price Earnings Ratio12.9710.810811.7128
Very volatile
Operating Cycle23.1624.378790.3791
Slightly volatile
Price Book Value Ratio1.641.00331.4017
Slightly volatile
Dividend Payout Ratio0.420.33440.3509
Very volatile
Price To Operating Cash Flows Ratio7.749.063210.202
Very volatile
Price To Free Cash Flows Ratio8.19.063210.6359
Very volatile
Pretax Profit Margin0.210.21830.5077
Slightly volatile
Ebt Per Ebit0.380.2220.6369
Pretty Stable
Operating Profit Margin0.930.98321.0616
Slightly volatile
Effective Tax Rate0.240.17410.2058
Slightly volatile
Company Equity Multiplier12.4110.094710.3841
Pretty Stable
Long Term Debt To Capitalization0.30.47650.364
Slightly volatile
Total Debt To Capitalization0.320.48330.3732
Slightly volatile
Return On Capital Employed0.0380.05030.0253
Pretty Stable
Debt Equity Ratio0.590.93540.6491
Slightly volatile
Ebit Per Revenue0.930.98321.0616
Slightly volatile
Quick Ratio37.0639.007571
Pretty Stable
Dividend Paid And Capex Coverage Ratio2.253.56723.0877
Pretty Stable
Net Income Per E B T0.620.82590.7854
Very volatile
Cash Ratio3.273.440839.826
Pretty Stable
Cash Conversion Cycle23.1624.378790.3791
Slightly volatile
Operating Cash Flow Sales Ratio0.20.2150.4479
Slightly volatile
Days Of Sales Outstanding23.1624.378790.3791
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.680.810.9296
Slightly volatile
Cash Flow Coverage Ratios0.110.11830.2608
Slightly volatile
Price To Book Ratio1.641.00331.4017
Slightly volatile
Fixed Asset Turnover7.577.21283.6974
Slightly volatile
Capital Expenditure Coverage Ratio8.679.1333.1379
Slightly volatile
Price Cash Flow Ratio7.749.063210.202
Very volatile
Debt Ratio0.0520.09270.0626
Slightly volatile
Cash Flow To Debt Ratio0.110.11830.2608
Slightly volatile
Price Sales Ratio1.851.94884.6177
Slightly volatile
Return On Assets0.00920.00920.0119
Slightly volatile
Asset Turnover0.02730.0510.036
Pretty Stable
Net Profit Margin0.170.18030.3952
Slightly volatile
Price Fair Value1.641.00331.4017
Slightly volatile
Return On Equity0.140.09280.1244
Slightly volatile

Citizens Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap315.8 M300.7 M200.2 M
Slightly volatile
Enterprise Value565.9 M538.9 M279 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings9.2678
Cash And Short Term Investments468.1 M

Citizens Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Citizens Financial Financial Statements

Citizens Financial shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Citizens Financial investors may analyze each financial statement separately, they are all interrelated. The changes in Citizens Financial's assets and liabilities, for example, are also reflected in the revenues and expenses on on Citizens Financial's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-4.9 M-5.2 M
Total Revenue154.3 M162 M
Sales General And Administrative To Revenue 0.02  0.02 
Capex To Revenue 0.03  0.06 
Revenue Per Share 32.49  34.11 
Ebit Per Revenue 0.98  0.93 

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Additional Tools for Citizens Stock Analysis

When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.
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