Citizens Financial Services Net Income
| CZFS Stock | USD 61.83 0.68 1.11% |
As of the 30th of January, Citizens Financial shows the Risk Adjusted Performance of 0.0717, downside deviation of 1.88, and Mean Deviation of 1.75. Citizens Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Citizens Financial variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Citizens Financial is priced correctly, providing market reflects its regular price of 61.83 per share. Given that Citizens Financial has jensen alpha of 0.1514, we suggest you to validate Citizens Financial Services's prevailing market performance to make sure the company can sustain itself at a future point.
Citizens Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.2931 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 32 M | 33.6 M | |
| Net Income Applicable To Common Shares | 33.4 M | 35.1 M | |
| Net Income From Continuing Ops | 32 M | 21.1 M | |
| Net Income Per Share | 5.27 | 5.53 | |
| Net Income Per E B T | 0.74 | 0.62 |
Citizens | Net Income | Build AI portfolio with Citizens Stock |
The evolution of Net Income for Citizens Financial Services provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Citizens Financial compares to historical norms and industry peers.
Latest Citizens Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Citizens Financial Services over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Citizens Financial financial statement analysis. It represents the amount of money remaining after all of Citizens Financial Services operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Citizens Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Citizens Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 27.82 M | 10 Years Trend |
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Net Income |
| Timeline |
Citizens Net Income Regression Statistics
| Arithmetic Mean | 19,149,114 | |
| Geometric Mean | 16,685,372 | |
| Coefficient Of Variation | 45.82 | |
| Mean Deviation | 7,308,957 | |
| Median | 17,811,000 | |
| Standard Deviation | 8,774,423 | |
| Sample Variance | 77T | |
| Range | 31.2M | |
| R-Value | 0.89 | |
| Mean Square Error | 16.5T | |
| R-Squared | 0.80 | |
| Slope | 1,553,455 | |
| Total Sum of Squares | 1231.8T |
Citizens Net Income History
Other Fundumenentals of Citizens Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Citizens Financial Net Income component correlations
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.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will Citizens introduce new products? Factors like these will boost the valuation of Citizens Financial. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Citizens Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.328 | Dividend Share 1.965 | Earnings Share 7.1 | Revenue Per Share | Quarterly Revenue Growth 0.127 |
Investors evaluate Citizens Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Citizens Financial's intrinsic value—the estimated true worth—helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Citizens Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Citizens Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Citizens Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Citizens Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citizens Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citizens Financial.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in Citizens Financial on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding Citizens Financial Services or generate 0.0% return on investment in Citizens Financial over 90 days. Citizens Financial is related to or competes with LINKBANCORP, Northeast Community, Parke Bancorp, Timberland Bancorp, CoastalSouth Bancshares,, Fidelity, and First Bancorp. Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides v... More
Citizens Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citizens Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citizens Financial Services upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.88 | |||
| Information Ratio | 0.0617 | |||
| Maximum Drawdown | 10.38 | |||
| Value At Risk | (2.86) | |||
| Potential Upside | 4.15 |
Citizens Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citizens Financial's standard deviation. In reality, there are many statistical measures that can use Citizens Financial historical prices to predict the future Citizens Financial's volatility.| Risk Adjusted Performance | 0.0717 | |||
| Jensen Alpha | 0.1514 | |||
| Total Risk Alpha | 0.0316 | |||
| Sortino Ratio | 0.0723 | |||
| Treynor Ratio | 0.2693 |
Citizens Financial January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0717 | |||
| Market Risk Adjusted Performance | 0.2793 | |||
| Mean Deviation | 1.75 | |||
| Semi Deviation | 1.77 | |||
| Downside Deviation | 1.88 | |||
| Coefficient Of Variation | 1116.09 | |||
| Standard Deviation | 2.2 | |||
| Variance | 4.83 | |||
| Information Ratio | 0.0617 | |||
| Jensen Alpha | 0.1514 | |||
| Total Risk Alpha | 0.0316 | |||
| Sortino Ratio | 0.0723 | |||
| Treynor Ratio | 0.2693 | |||
| Maximum Drawdown | 10.38 | |||
| Value At Risk | (2.86) | |||
| Potential Upside | 4.15 | |||
| Downside Variance | 3.52 | |||
| Semi Variance | 3.12 | |||
| Expected Short fall | (2.06) | |||
| Skewness | 0.4373 | |||
| Kurtosis | 0.2401 |
Citizens Financial Backtested Returns
Citizens Financial appears to be very steady, given 3 months investment horizon. Citizens Financial secures Sharpe Ratio (or Efficiency) of 0.11, which signifies that the company had a 0.11 % return per unit of risk over the last 3 months. We have found thirty technical indicators for Citizens Financial Services, which you can use to evaluate the volatility of the firm. Please makes use of Citizens Financial's Downside Deviation of 1.88, risk adjusted performance of 0.0717, and Mean Deviation of 1.75 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Citizens Financial holds a performance score of 8. The firm shows a Beta (market volatility) of 0.69, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Citizens Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Citizens Financial is expected to be smaller as well. Please check Citizens Financial's skewness, and the relationship between the value at risk and day median price , to make a quick decision on whether Citizens Financial's price patterns will revert.
Auto-correlation | 0.41 |
Average predictability
Citizens Financial Services has average predictability. Overlapping area represents the amount of predictability between Citizens Financial time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citizens Financial price movement. The serial correlation of 0.41 indicates that just about 41.0% of current Citizens Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.41 | |
| Spearman Rank Test | 0.33 | |
| Residual Average | 0.0 | |
| Price Variance | 9.05 |
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 |
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Based on the recorded statements, Citizens Financial Services reported net income of 27.82 M. This is 97.82% 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 95.13% 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 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 | Bank Of New York Mellon Corp | 2025-06-30 | 13.6 K | O'shaughnessy Asset Management Llc | 2025-06-30 | 12 K | Wayne Hummer Asset Mgmt Company | 2025-06-30 | 10.9 K | Weatherly Asset Management Lp | 2025-06-30 | 9.8 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 9.2 K | Minerva Advisors Llc | 2025-06-30 | 7.9 K | Barclays Plc | 2025-06-30 | 7.5 K | Amvescap Plc. | 2025-06-30 | 7.5 K | Nuveen, Llc | 2025-06-30 | 7.2 K | Blackrock Inc | 2025-06-30 | 319.9 K | Vanguard Group Inc | 2025-06-30 | 244.7 K |
Citizens Fundamentals
| Return On Equity | 0.11 | |||
| Return On Asset | 0.0112 | |||
| Profit Margin | 0.32 % | |||
| Operating Margin | 0.45 % | |||
| Current Valuation | 535.45 M | |||
| Shares Outstanding | 4.81 M | |||
| Shares Owned By Insiders | 6.11 % | |||
| Shares Owned By Institutions | 28.28 % | |||
| Number Of Shares Shorted | 37.87 K | |||
| Price To Earning | 9.76 X | |||
| Price To Book | 0.91 X | |||
| Price To Sales | 2.74 X | |||
| Revenue | 168.62 M | |||
| Gross Profit | 107.4 M | |||
| EBITDA | 35.49 M | |||
| Net Income | 27.82 M | |||
| Cash And Equivalents | 46.88 M | |||
| Cash Per Share | 11.80 X | |||
| Total Debt | 297.72 M | |||
| Debt To Equity | 9.85 % | |||
| Book Value Per Share | 68.18 X | |||
| Cash Flow From Operations | 33.18 M | |||
| Short Ratio | 3.94 X | |||
| Earnings Per Share | 7.10 X | |||
| Target Price | 65.0 | |||
| Number Of Employees | 379 | |||
| Beta | 0.43 | |||
| Market Capitalization | 293.91 M | |||
| Total Asset | 3.03 B | |||
| Retained Earnings | 189.44 M | |||
| Annual Yield | 0.03 % | |||
| Five Year Return | 3.04 % | |||
| Net Asset | 3.03 B | |||
| Last Dividend Paid | 1.97 |
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.
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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.