Stephen Guillaume - Citizens Financial Executive CFO

CZFS Stock  USD 64.01  2.15  3.25%   

CFO

Stephen Guillaume is Executive CFO of Citizens Financial Services
Age 47
Address 15 South Main Street, Mansfield, PA, United States, 16933
Phone570 662 2121
Webhttps://www.firstcitizensbank.com

Stephen Guillaume Latest Insider Activity

Tracking and analyzing the buying and selling activities of Stephen Guillaume against Citizens Financial stock is an integral part of due diligence when investing in Citizens Financial. Stephen Guillaume insider activity provides valuable insight into whether Citizens Financial is net buyers or sellers over its current business cycle. Note, Citizens Financial insiders must abide by specific rules, including filing SEC forms every time they buy or sell Citizens Financial'sshares to prevent insider trading or benefiting illegally from material non-public information that their positions give them access to.

Citizens Financial Management Efficiency

At this time, Citizens Financial's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.01 in 2024, whereas Return On Capital Employed is likely to drop 0.01 in 2024. At this time, Citizens Financial's Total Assets are comparatively stable compared to the past year. Non Current Assets Total is likely to gain to about 3.1 B in 2024, whereas Other Current Assets are likely to drop slightly above 65.1 M in 2024. Citizens Financial's management efficiency ratios could be used to measure how well Citizens Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Citizens Financial Services currently holds 322.04 M in liabilities with Debt to Equity (D/E) ratio of 9.85, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Citizens Financial's use of debt, we should always consider it together with its cash and equity.

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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. was founded in 1932 and is headquartered in Mansfield, Pennsylvania. Citizens Fincl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 309 people. Citizens Financial Services (CZFS) is traded on NASDAQ Exchange in USA. It is located in 15 South Main Street, Mansfield, PA, United States, 16933 and employs 393 people. Citizens Financial is listed under Regional Banks category by Fama And French industry classification.

Management Performance

Citizens Financial Leadership Team

Elected by the shareholders, the Citizens Financial's board of directors comprises two types of representatives: Citizens Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Citizens. The board's role is to monitor Citizens Financial's management team and ensure that shareholders' interests are well served. Citizens Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Citizens Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
CPA CPA, COO, VP
Randall Black, CEO and President Director, Member of Governance and Nominating Committee, CEO of First Citizens Community Bank and President of First Citizens Community Bank and Director of First Citizens Community Bank
Jeffrey Wilson, Chief Lending Officer of First Citizens Community Bank and Sr. VP of First Citizens Community Bank
Jeffrey White, Chief Officer
Mickey CPA, COO, VP
Jeffrey Carr, Chief Retail Banking and Sr. VP
Stephen Guillaume, Executive CFO
MBA JD, Sr Bank
Cynthia Pazzaglia, Senior Vice President , Human Resource Manager of the Bank
Kathleen CFMP, CFMP VP
Gina Boor, Corporate Secretary
Marina Smalanaskas, Senior Executive
Anthony Manerchia, Senior Officer

Citizens Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Citizens Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Thematic Opportunities

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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.