Citizens Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Citizens Financial Services
CZFS Stock  USD 63.25  1.42  2.30%   
Citizens Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Citizens Financial's valuation are provided below:
Gross Profit
110 M
Profit Margin
0.3326
Market Capitalization
304 M
Enterprise Value Revenue
5.357
Revenue
110 M
There are over one hundred nineteen available fundamental signals for Citizens Financial Services, which can be analyzed over time and compared to other ratios. All traders should validate Citizens Financial's prevailing fundamentals against the performance from 2010 to 2026 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 152.5 M in 2026. Enterprise Value is likely to gain to about 175.6 M in 2026

Citizens Financial Total Revenue

167.13 Million

Check Citizens Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Citizens Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 1.7 M, Interest Expense of 64.2 M or Selling General Administrative of 2.2 M, as well as many indicators such as Price To Sales Ratio of 2.12, Dividend Yield of 0.0362 or PTB Ratio of 1.65. Citizens financial statements analysis is a perfect complement when working with Citizens Financial Valuation or Volatility modules.
  
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Citizens Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets3.7 B3.5 B1.8 B
Slightly volatile
Short and Long Term Debt Total359.5 M342.4 M138.2 M
Slightly volatile
Other Current Liabilities2.9 B2.7 B1.4 B
Slightly volatile
Total Current Liabilities2.9 B2.8 B1.4 B
Slightly volatile
Total Stockholder Equity361.9 M344.7 M173 M
Slightly volatile
Property Plant And Equipment Net13.4 M24.6 M15.7 M
Slightly volatile
Retained Earnings228.8 M217.9 M119 M
Slightly volatile
Cash30.2 M52.9 M42.8 M
Slightly volatile
Non Current Assets Total3.5 B3.4 B1.5 B
Slightly volatile
Non Currrent Assets Other126.8 M120.7 M63.8 M
Slightly volatile
Cash And Short Term Investments177.1 M107.1 M305.9 M
Very volatile
Net Receivables12.4 M11.9 M6.6 M
Slightly volatile
Common Stock Shares Outstanding4.2 M4.8 M3.9 M
Slightly volatile
Liabilities And Stockholders Equity3.7 B3.5 B1.8 B
Slightly volatile
Non Current Liabilities Total379.6 M361.5 M262 M
Slightly volatile
Other Stockholder Equity155.3 M147.9 M57.8 M
Slightly volatile
Total Liabilities3.3 B3.1 B1.6 B
Slightly volatile
Total Current Assets181.6 M119 M312.2 M
Very volatile
Common Stock3.5 M6 M3.9 M
Slightly volatile
Accounts Payable4.4 M4.2 M1.9 M
Slightly volatile
Other Current Assets4.4 M4.7 M237.3 M
Slightly volatile
Intangible Assets3.5 M2.6 M3.5 M
Slightly volatile
Other Liabilities10.6 M17.4 M12.7 M
Slightly volatile
Long Term Debt329.4 M313.7 M126.5 M
Slightly volatile
Good Will103.6 M98.6 M36.9 M
Slightly volatile
Short Term Investments51.5 M54.2 M257.7 M
Pretty Stable
Property Plant Equipment15.2 M20.3 M15.6 M
Slightly volatile
Short Term Debt57 M28.6 M58.2 M
Pretty Stable
Net Tangible Assets135 M192.6 M125.6 M
Slightly volatile
Common Stock Total Equity4.3 M5.1 M3.9 M
Slightly volatile
Retained Earnings Total Equity118.5 M189.7 M114.2 M
Slightly volatile
Capital Surpluse57.8 M93 M53.6 M
Slightly volatile
Long Term Investments701.4 M491.8 M614.5 M
Pretty Stable
Non Current Liabilities Other15.7 M23.9 M14.3 M
Slightly volatile
Short and Long Term Debt6.5 M6.8 M22.7 M
Slightly volatile
Net Invested Capital401.9 M667.1 M335.1 M
Slightly volatile
Capital Stock4.9 M6 M4.3 M
Slightly volatile
Property Plant And Equipment Gross38.2 M46.1 M33.1 M
Slightly volatile
Long Term Debt Total7.8 M8.8 M9.6 M
Slightly volatile

Citizens Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.7 M1.6 M857.8 K
Slightly volatile
Interest Expense64.2 M61.2 M20 M
Slightly volatile
Selling General Administrative2.2 M2.3 M17.6 M
Slightly volatile
Total Revenue167.1 M159.2 M80.4 M
Slightly volatile
Gross Profit118.5 M112.9 M60.7 M
Slightly volatile
Other Operating Expenses167.1 M159.2 M61.4 M
Slightly volatile
Operating Income40.7 M38.7 M23.6 M
Slightly volatile
EBIT40.7 M38.7 M23.6 M
Slightly volatile
EBITDA42.9 M40.8 M24.6 M
Slightly volatile
Cost Of Revenue85.1 M81 M23.8 M
Slightly volatile
Income Before Tax47.3 M45.1 M24.4 M
Slightly volatile
Net Income38.4 M36.6 M19.7 M
Slightly volatile
Income Tax Expense8.9 M8.5 M4.7 M
Slightly volatile
Net Income Applicable To Common Shares35.1 M33.4 M20.1 M
Slightly volatile
Net Income From Continuing Ops21.1 M32 M19 M
Slightly volatile
Non Recurring141.1 K148.5 K239 K
Slightly volatile
Tax Provision5.3 M6.7 M4.4 M
Slightly volatile
Net Interest Income65.8 M97.6 M54.6 M
Slightly volatile
Interest Income184.5 M175.7 M78.2 M
Slightly volatile
Selling And Marketing Expenses48.2 M45.9 M15.2 M
Slightly volatile

Citizens Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow38.5 M36.6 M21.2 M
Slightly volatile
Begin Period Cash Flow63.8 M60.7 M39.4 M
Slightly volatile
Dividends Paid11.2 M10.7 M6.3 M
Slightly volatile
Total Cash From Operating Activities40.1 M38.2 M22.2 M
Slightly volatile
Net Income33.6 M32 M19.1 M
Slightly volatile
End Period Cash Flow26.7 M48.5 M36.3 M
Slightly volatile
Change To Inventory943.1 K898.1 K746.7 K
Pretty Stable

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.121.592.9001
Slightly volatile
Dividend Yield0.03620.03590.0309
Pretty Stable
PTB Ratio1.651.141.3869
Slightly volatile
Days Sales Outstanding44.8925.6638.3669
Slightly volatile
Book Value Per Share59.6356.7940.2249
Slightly volatile
Free Cash Flow Yield0.07660.09630.0978
Pretty Stable
Operating Cash Flow Per Share6.66.295.2706
Slightly volatile
Stock Based Compensation To Revenue0.00340.00220.0042
Pretty Stable
Capex To Depreciation1.450.841.238
Very volatile
PB Ratio1.651.141.3869
Slightly volatile
EV To Sales2.72.933.6929
Pretty Stable
Free Cash Flow Per Share6.346.045.048
Slightly volatile
ROIC0.07960.05010.0694
Slightly volatile
Net Income Per Share5.535.274.5729
Slightly volatile
Payables Turnover14.1913.5110.0295
Slightly volatile
Sales General And Administrative To Revenue0.210.220.2787
Slightly volatile
Capex To Revenue0.00850.0090.0128
Slightly volatile
Cash Per Share34.0217.6579.3635
Pretty Stable
POCF Ratio7.758.0810.072
Pretty Stable
Interest Coverage0.420.452.2298
Pretty Stable
Payout Ratio0.420.380.3526
Very volatile
Capex To Operating Cash Flow0.04330.04550.0458
Very volatile
PFCF Ratio8.138.4110.536
Very volatile
Days Payables Outstanding54.4727.9641.613
Slightly volatile
Income Quality1.381.371.1852
Pretty Stable
ROE0.140.110.1236
Slightly volatile
EV To Operating Cash Flow10.0214.913.1275
Slightly volatile
PE Ratio12.9812.3111.7406
Very volatile
Return On Tangible Assets0.00940.00850.0119
Slightly volatile
EV To Free Cash Flow11.015.5213.7796
Slightly volatile
Earnings Yield0.07170.08410.0893
Pretty Stable
Intangibles To Total Assets0.01390.02640.0181
Slightly volatile
Current Ratio0.03670.03860.2636
Slightly volatile
Tangible Book Value Per Share41.9939.9931.822
Slightly volatile
Receivables Turnover9.6314.7212.0354
Slightly volatile
Graham Number86.1782.0763.8579
Slightly volatile
Shareholders Equity Per Share59.6356.7940.2249
Slightly volatile
Debt To Equity0.610.890.6646
Slightly volatile
Capex Per Share0.340.320.2353
Slightly volatile
Revenue Per Share33.5531.9519.285
Slightly volatile
Interest Debt Per Share72.7369.2735.4088
Slightly volatile
Debt To Assets0.05340.08860.0642
Slightly volatile
Enterprise Value Over EBITDA8.6213.9311.5616
Slightly volatile
Short Term Coverage Ratios1.261.20.4752
Slightly volatile
Price Earnings Ratio12.9812.3111.7406
Very volatile
Operating Cycle44.8925.6638.3669
Slightly volatile
Price Book Value Ratio1.651.141.3869
Slightly volatile
Days Of Payables Outstanding54.4727.9641.613
Slightly volatile
Dividend Payout Ratio0.420.380.3526
Very volatile
Price To Operating Cash Flows Ratio7.758.0810.072
Pretty Stable
Price To Free Cash Flows Ratio8.138.4110.536
Very volatile
Pretax Profit Margin0.230.180.3228
Slightly volatile
Operating Profit Margin0.230.180.3228
Slightly volatile
Effective Tax Rate0.240.20.2055
Slightly volatile
Company Equity Multiplier12.4111.6110.4562
Slightly volatile
Long Term Debt To Capitalization0.30.430.3465
Pretty Stable
Total Debt To Capitalization0.320.450.3782
Slightly volatile
Return On Capital Employed0.110.06310.0918
Slightly volatile
Debt Equity Ratio0.610.890.6646
Slightly volatile
Ebit Per Revenue0.230.180.3228
Slightly volatile
Quick Ratio0.03670.03860.2636
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.222.813.0043
Pretty Stable
Net Income Per E B T0.620.740.7827
Very volatile
Cash Ratio0.02640.01720.0317
Very volatile
Operating Cash Flow Sales Ratio0.220.180.2949
Slightly volatile
Days Of Sales Outstanding44.8925.6638.3669
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.680.860.9323
Slightly volatile
Cash Flow Coverage Ratios0.120.130.2523
Slightly volatile
Price To Book Ratio1.651.141.3869
Slightly volatile
Fixed Asset Turnover7.457.094.6343
Slightly volatile
Capital Expenditure Coverage Ratio16.3422.7328.7336
Pretty Stable
Price Cash Flow Ratio7.758.0810.072
Pretty Stable
Enterprise Value Multiple8.6213.9311.5616
Slightly volatile
Debt Ratio0.05340.08860.0642
Slightly volatile
Cash Flow To Debt Ratio0.120.130.2523
Slightly volatile
Price Sales Ratio2.121.592.9001
Slightly volatile
Return On Assets0.00920.00830.0117
Slightly volatile
Asset Turnover0.05860.06410.0472
Slightly volatile
Net Profit Margin0.180.150.2566
Slightly volatile
Gross Profit Margin0.490.520.7353
Very volatile
Price Fair Value1.651.141.3869
Slightly volatile
Return On Equity0.140.110.1236
Slightly volatile

Citizens Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap152.5 M145.3 M148.9 M
Slightly volatile
Enterprise Value175.6 M167.2 M172.7 M
Slightly volatile

Citizens Fundamental Market Drivers

Citizens Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Citizens Financial Financial Statements

Citizens Financial shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although Citizens Financial investors may analyze each financial statement separately, they are all interrelated. The changes in Citizens Financial's assets and liabilities, for example, are also reflected in the revenues and expenses on on Citizens Financial's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Current Deferred Revenue-4.9 M-5.2 M
Total Revenue159.2 M167.1 M
Cost Of Revenue81 M85.1 M
Sales General And Administrative To Revenue 0.22  0.21 
Capex To Revenue 0.01  0.01 
Revenue Per Share 31.95  33.55 
Ebit Per Revenue 0.18  0.23 

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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.
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