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Citizens Financial Services Inc (CZFS)
NASDAQ:CZFS
Total Valuation
Citizens Financial Services has a market cap or net worth of $263.20M. The enterprise value is $566.50M.
Market Cap$263.20M
Enterprise Value$566.50M
Share Statistics
Citizens Financial Services has 4.76M shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4.76M
Owened by Insiders5.83%
Owened by Instutions6.58%
Financial Efficiency
Citizens Financial Services’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 20.92%.
Return on Equity (ROE)9.28%
Return on Assets (ROA)0.92%
Return on Invested Capital (ROIC)20.92%
Return on Capital Employed (ROCE)5.03%
Revenue Per Employee$353,187.99
Profits Per Employee$72,631.854
Employee Count383
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Citizens Financial Services is 10.81. Citizens Financial Services’s PEG ratio is 0.24.
PE Ratio10.81
PS Ratio1.95
PB Ratio1.00
Price to Fair Value1.00
Price to FCF9.06
Price to Operating Cash Flow9.06
PEG Ratio0.24
Income Statement
In the last 12 months, Citizens Financial Services had revenue of $135.27M and earned $27.82M in profits. Earnings per share was $5.87.
Revenue$135.27M
Gross Profit$135.27M
Operating Income$25.63M
Pretax Income$33.68M
Net Income$27.82M
EBITDA15.85M
Earnings Per Share (EPS)5.87
Cash Flow
In the last 12 months, operating cash flow was $33.18M and capital expenditures -$462.00K, giving a free cash flow of $32.72M billion.
Operating Cash Flow$33.18M
Free Cash Flow$32.72M
Free Cash Flow per Share$6.87
Dividends & Yields
Citizens Financial Services pays an annual dividend of $1.97, resulting in a dividend yield of 3.54%
Dividend Per Share$1.97
Dividend Yield3.54%
Payout Ratio33.32%
Free Cash Flow Yield11.03%
Earnings Yield9.25%
Stock Price Statistics
Beta1.17
52-Week Price Change25.49%
50-Day Moving Average58.96
200-Day Moving Average57.27
Relative Strength Index (RSI)46.62
Average Volume (3m)12.48K
Important Dates
Citizens Financial Services upcoming earnings date is Apr 25, 2025, Before Open.
Last Earnings DateJan 30, 2025
Next Earnings DateApr 25, 2025
Ex-Dividend DateMar 14, 2025
Financial Position
Citizens Financial Services as a current ratio of 39.01, with Debt / Equity ratio of 0.94
Current Ratio39.01
Quick Ratio39.01
Debt to Market Cap0.93
Net Debt to EBITDA0.00
Interest Coverage Ratio2.24
Taxes
In the past 12 months, Citizens Financial Services has paid $5.87M in taxes.
Income Tax$5.87M
Effective Tax Rate17.41%
Enterprise Valuation
Citizens Financial Services EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 16.24.
EV to Sales3.49
EV to EBITDA0.00
EV to Free Cash Flow16.24
EV to Operating Cash Flow16.24
Balance Sheet
Citizens Financial Services has $93.14M in cash and marketable securities with $280.38M in debt, giving a net cash position of $187.24M billion.
Cash & Marketable Securities$93.14M
Total Debt$280.38M
Net Cash$187.24M
Net Cash Per Share$39.34
Tangible Book Value Per Share$44.44
Margins
Gross margin is 100.00%, with operating margin of 98.32%, and net profit margin of 18.03%.
Gross Margin100.00%
Operating Margin98.32%
Pretax Margin21.83%
Net Profit Margin18.03%
EBITDA Margin0.00%
EBIT Margin-1.17%
Analyst Forecast
The average price target for Citizens Financial Services is , which is 11.43% higher than the current price. The consensus rating is
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast22.34%
EPS Growth Forecast51.03%