Citizens Financial Services Stock Net Income
| CZFS Stock | USD 70.95 0.34 0.48% |
Citizens Financial Services fundamentals help investors to digest information that contributes to Citizens Financial's financial success or failures. It also enables traders to predict the movement of Citizens Stock. The fundamental analysis module provides a way to measure Citizens Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Citizens Financial stock.
| Last Reported | Projected for Next Year | ||
| Net Income | 17.8 M | 11.4 M | |
| Net Income Applicable To Common Shares | 33.4 M | 35.1 M | |
| Net Income From Continuing Ops | 17.8 M | 20.3 M | |
| Net Income Per Share | 4.06 | 2.21 | |
| Net Income Per E B T | 0.83 | 0.62 |
Citizens | Net Income |
Citizens Financial Services Company Net Income Analysis
Citizens Financial's Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Current Citizens Financial Net Income | 17.81 M |
Most of Citizens Financial's fundamental indicators, such as Net Income, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Citizens Financial Services is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Citizens Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Citizens Financial is extremely important. It helps to project a fair market value of Citizens Stock properly, considering its historical fundamentals such as Net Income. Since Citizens Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citizens Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citizens Financial's interrelated accounts and indicators.
Citizens Net Income Historical Pattern
Today, most investors in Citizens Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's net income growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Citizens Financial net income as a starting point in their analysis.
Citizens Financial Net Income |
| Timeline |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Citizens Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, Citizens Financial Services reported net income of 17.81 M. This is 98.61% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 96.88% higher than that of the company.
Citizens Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citizens Financial could also be used in its relative valuation, which is a method of valuing Citizens Financial by comparing valuation metrics of similar companies.Citizens Financial is currently under evaluation in net income category among its peers.
Citizens Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Citizens Financial from analyzing Citizens Financial's financial statements. These drivers represent accounts that assess Citizens Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Citizens Financial's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 214.4M | 211.0M | 237.1M | 301.5M | 280.8M | 294.9M | |
| Enterprise Value | 266.7M | 217.4M | 127.2M | 526.6M | 550.1M | 577.6M |
Citizens Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citizens Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citizens Financial's managers, analysts, and investors.Environmental | Governance | Social |
Citizens Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Citizens Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Citizens Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Citizens Financial's value.| Shares | Goldman Sachs Group Inc | 2024-09-30 | 10.9 K | Weatherly Asset Management Lp | 2024-06-30 | 9.8 K | Amvescap Plc. | 2024-09-30 | 9.2 K | American Century Companies Inc | 2024-09-30 | 9 K | Citadel Advisors Llc | 2024-09-30 | 8.9 K | Nuveen Asset Management, Llc | 2024-09-30 | 8.1 K | Minerva Advisors Llc | 2024-09-30 | 7.8 K | Jpmorgan Chase & Co | 2024-09-30 | 7.3 K | Wsfs Capital Management, Llc | 2024-09-30 | 6.5 K | Blackrock Inc | 2024-06-30 | 305.6 K | Vanguard Group Inc | 2024-09-30 | 238.6 K |
Citizens Fundamentals
| Return On Equity | 0.0975 | ||||
| Return On Asset | 0.0092 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.40 % | ||||
| Current Valuation | 524.62 M | ||||
| Shares Outstanding | 4.76 M | ||||
| Shares Owned By Insiders | 6.32 % | ||||
| Shares Owned By Institutions | 25.45 % | ||||
| Number Of Shares Shorted | 28.95 K | ||||
| Price To Earning | 9.76 X | ||||
| Price To Book | 1.13 X | ||||
| Price To Sales | 3.44 X | ||||
| Revenue | 86.34 M | ||||
| Gross Profit | 80.08 M | ||||
| EBITDA | 23.04 M | ||||
| Net Income | 17.81 M | ||||
| Cash And Equivalents | 46.88 M | ||||
| Cash Per Share | 11.80 X | ||||
| Total Debt | 322.04 M | ||||
| Debt To Equity | 9.85 % | ||||
| Book Value Per Share | 62.75 X | ||||
| Cash Flow From Operations | 26.54 M | ||||
| Short Ratio | 1.50 X | ||||
| Earnings Per Share | 5.81 X | ||||
| Target Price | 60.0 | ||||
| Number Of Employees | 393 | ||||
| Beta | 0.49 | ||||
| Market Capitalization | 337.7 M | ||||
| Total Asset | 2.98 B | ||||
| Retained Earnings | 172.97 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.04 % | ||||
| Net Asset | 2.98 B | ||||
| Last Dividend Paid | 1.95 |
About Citizens Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Thematic Opportunities
Explore Investment Opportunities
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.