Citizens Financial Company Insiders

Citizens Financial Management Team Effectiveness

The company has return on total asset (ROA) of 0.0112 % which means that it generated a profit of $0.0112 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1088 %, meaning that it created $0.1088 on every $100 dollars invested by stockholders. 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. Return On Tangible Assets is likely to gain to 0.01 in 2026. Return On Capital Employed is likely to gain to 0.11 in 2026. At this time, Citizens Financial's Return On Assets are comparatively stable compared to the past year. Net Income Applicable To Common Shares is likely to gain to about 35.1 M in 2026, whereas Common Stock Shares Outstanding is likely to drop slightly above 4.2 M in 2026. The market capitalization of Citizens Financial is $274.06 Million. Citizens Financial Services shows 6.11 percent of its outstanding shares held by insiders and 27.97 percent owned by other corporate entities. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point. Some institutional investors establish a significant position in stocks such as Citizens Financial in order to find ways to drive up its value. Retail investors, on the other hand, need to know that institutional holders can own millions of shares of Citizens Financial, and when they decide to sell, the stock will often sell-off, which may instantly impact shareholders' value. So, traders who get in early or near the beginning of the institutional investor's buying cycle could potentially generate profits.

Citizens Financial Workforce Comparison

Citizens Financial Profit Margins

The company has Profit Margin (PM) of 0.32 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.45 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.45.

Citizens Financial Insider Trading History

Citizens Financial Notable Stakeholders

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The success or failure of an entity such as Citizens Financial often depends on how effective the management is. Citizens Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Citizens management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Citizens management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.

Please note, the imprecision that can be found in Citizens Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Citizens Financial Services. Check Citizens Financial's Beneish M Score to see the likelihood of Citizens Financial's management manipulating its earnings.

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.