Citizens Financial Services, Inc. (CZFS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 74 | 78 | 82 | 92 | 101 | 112 | 118 | - |
| Operating profit | $m | 45 | 50 | ||||||
| Net profit | $m | 25 | 29 | 29 | 18 | 28 | 37 | 41 | 42 |
| EPS reported | $ | 7.62 | 8.55 | ||||||
| Operating cashflow per share | $ | 7.62 | 7.82 | ||||||
| Capex per share | $ | 0.27 | 0.12 | ||||||
| FCF per share | $ | 7.35 | 7.95 | ||||||
| Free cash flow | $m | 35 | 38 | ||||||
| Net debt | $m | 235 | -137 | ||||||
| Book value equity | $m | 338 | 353 | ||||||
| Book value per share | $ | 70.43 | 73.48 | ||||||
| Number of shares | m | 4.8 | 4.8 | ||||||
| DPS (TTM paid) | $ | 1.99 | 2.02 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.48 | 9.41 | ||||||
| P/B LTM | x | 0.81 | 0.78 | ||||||
| P/S LTM | x | 2.44 | 2.32 | ||||||
| P/FCF LTM | x | 7.76 | 7.17 | ||||||
| EV/EBITDA LTM | x | 12.09 | 10.68 | ||||||
| EV/Sales LTM | x | 3.15 | 4.28 | ||||||
| Earnings Yield LTM | % | +13.37% | +10.63% | ||||||
| FCF Yield | % | +12.88% | +13.94% | ||||||
| Quality | |||||||||
| ROE | % | +10.82% | +12.05% | ||||||
| ROIC | % | +5.34% | +1.29% | ||||||
| Operating margin | % | +26.03% | +28.62% | ||||||
| Gross margin | % | +63.32% | +65.87% | ||||||
| FCF/Sales | % | +20.34% | +21.68% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +31.61% | +47.67% | ||||||
| Sales Growth YoY | % | +11.24% | +16.97% | ||||||
| Net Income Growth YoY | % | +31.47% | +47.57% | ||||||
| FCF Growth | % | +10.57% | +19.65% | ||||||
| Operating Profit Growth | % | +33.86% | +49.45% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.49% | +2.42% | ||||||
| Dividend Growth | % | +2.04% | +3.57% | ||||||
| Payout Ratio | % | +26.10% | +23.53% | ||||||
| FCF/Debt | x | 0.11 | 0.10 | ||||||
| Net Debt/EBITDA | x | 6.02 | 6.95 | ||||||
| EBIT/Net interest | x | 0.74 | 0.87 | ||||||
| Net debt/market cap | % | +1.13% | +98.90% | ||||||
| Net debt/Equity | x | 0.70 | -0.39 | ||||||
| Gross debt/equity | x | 0.92 | 1.12 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Citizens Financial Services, Inc. (CZFS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts. The bank also extends credit through a diverse portfolio of loan products, spanning financing for residential, commercial, and agricultural properties, alongside commercial and industrial lending, credit facilities for state and local government bodies, and consumer loans. Additionally, it offers several specialized financial services. Beyond traditional banking, Citizens Financial Services delivers a suite of ancillary financial services. These include expert trust administration, investment management, estate planning and execution, secure custody of securities, and individual retirement account (IRA) management. Furthermore, the company provides brokerage and wealth management advice, supports clients with oil and gas leasing negotiations, and offers access to investment vehicles such as mutual funds and annuities, along with health and life insurance products. As of December 31, 2021, its operational footprint comprised thirty full-service banking locations situated across multiple counties in Pennsylvania (Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester), Allegany County in New York, and the Delaware cities of Wilmington and Dover. A single limited branch also serves Union County, Pennsylvania. Established in 1932, Citizens Financial Services, Inc. maintains its primary corporate offices in Mansfield, Pennsylvania.
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