Citizens Financial Services Stock Retained Earnings

CZFS Stock

USD 62.67 2.17 3.59%

Citizens Financial Services fundamentals help investors to digest information that contributes to Citizens Financial's financial success or failures. It also enables traders to predict the movement of Citizens Stock. The fundamental analysis module provides a way to measure Citizens Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Citizens Financial stock.

	Last Reported	Projected for Next Year
Retained Earnings	198.9 M	208.9 M
Retained Earnings Total Equity	189.7 M	118.5 M

Retained Earnings is likely to gain to about 208.9 M in 2025, whereas Retained Earnings Total Equity is likely to drop slightly above 118.5 M in 2025.

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Citizens Financial Services Company Retained Earnings Analysis

Citizens Financial's Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners.

Retained Earnings

Beginning RE + Income

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Dividends

More About Retained Earnings | All Equity Analysis

Current Citizens Financial Retained Earnings

172.97 M

Most of Citizens Financial's fundamental indicators, such as Retained Earnings, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Citizens Financial Services is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Citizens Retained Earnings 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 Retained Earnings. 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.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Short Term Debt	Net Tangible Assets	Capital Surpluse	Long Term Investments	Short Long Term Debt	Current Deferred Revenue	Net Invested Capital	Capital Stock	Long Term Debt Total
Total Assets		1.0	0.78	0.98	0.95	1.0	0.31	0.75	0.69	0.94	0.95	0.79	-0.78	-0.35	0.67	0.89	0.83	0.83	0.17	-0.14	0.83	0.8	0.87	-0.7
Total Stockholder Equity	1.0		0.74	0.98	0.94	0.99	0.32	0.76	0.66	0.92	0.94	0.8	-0.79	-0.38	0.68	0.84	0.83	0.83	0.21	-0.14	0.85	0.77	0.87	-0.7
Net Debt	0.78	0.74		0.73	0.88	0.79	-0.16	0.49	0.79	0.92	0.84	0.56	-0.45	-0.08	0.41	0.95	0.45	0.49	-0.39	-0.19	0.49	0.79	0.75	-0.68
Retained Earnings	0.98	0.98	0.73		0.89	0.98	0.4	0.79	0.57	0.9	0.88	0.84	-0.84	-0.42	0.69	0.86	0.85	0.84	0.19	-0.13	0.84	0.75	0.82	-0.64
Net Receivables	0.95	0.94	0.88	0.89		0.95	0.09	0.6	0.86	0.97	0.99	0.69	-0.58	-0.16	0.53	0.92	0.7	0.69	0.04	-0.08	0.75	0.85	0.91	-0.78
Total Liab	1.0	0.99	0.79	0.98	0.95		0.31	0.75	0.69	0.95	0.95	0.79	-0.78	-0.35	0.67	0.89	0.83	0.83	0.16	-0.14	0.83	0.8	0.88	-0.7
Total Current Assets	0.31	0.32	-0.16	0.4	0.09	0.31		0.35	-0.2	0.12	0.04	0.31	-0.55	-0.42	0.4	0.09	0.67	0.61	0.66	0.25	0.63	0.11	0.16	0.11
Common Stock	0.75	0.76	0.49	0.79	0.6	0.75	0.35		0.27	0.63	0.62	0.71	-0.84	-0.52	0.81	0.59	0.82	0.84	0.13	-0.08	0.65	0.73	0.73	-0.16
Accounts Payable	0.69	0.66	0.79	0.57	0.86	0.69	-0.2	0.27		0.81	0.86	0.3	-0.18	0.16	0.23	0.75	0.42	0.39	-0.15	0.03	0.53	0.76	0.79	-0.67
Long Term Debt	0.94	0.92	0.92	0.9	0.97	0.95	0.12	0.63	0.81		0.95	0.67	-0.65	-0.25	0.61	0.96	0.71	0.74	-0.09	-0.2	0.72	0.85	0.87	-0.72
Good Will	0.95	0.94	0.84	0.88	0.99	0.95	0.04	0.62	0.86	0.95		0.68	-0.59	-0.2	0.57	0.87	0.69	0.68	0.03	-0.15	0.74	0.82	0.9	-0.78
Short Term Investments	0.79	0.8	0.56	0.84	0.69	0.79	0.31	0.71	0.3	0.67	0.68		-0.75	-0.44	0.58	0.68	0.65	0.64	0.19	-0.1	0.59	0.58	0.62	-0.49
Treasury Stock	-0.78	-0.79	-0.45	-0.84	-0.58	-0.78	-0.55	-0.84	-0.18	-0.65	-0.59	-0.75		0.71	-0.84	-0.57	-0.84	-0.89	-0.2	0.31	-0.74	-0.51	-0.54	0.23
Intangible Assets	-0.35	-0.38	-0.08	-0.42	-0.16	-0.35	-0.42	-0.52	0.16	-0.25	-0.2	-0.44	0.71		-0.75	-0.13	-0.52	-0.59	-0.13	0.33	-0.36	-0.15	-0.16	-0.03
Property Plant Equipment	0.67	0.68	0.41	0.69	0.53	0.67	0.4	0.81	0.23	0.61	0.57	0.58	-0.84	-0.75		0.48	0.8	0.87	0.1	-0.3	0.62	0.58	0.6	-0.18
Short Term Debt	0.89	0.84	0.95	0.86	0.92	0.89	0.09	0.59	0.75	0.96	0.87	0.68	-0.57	-0.13	0.48		0.63	0.64	-0.17	-0.12	0.62	0.84	0.81	-0.68
Net Tangible Assets	0.83	0.83	0.45	0.85	0.7	0.83	0.67	0.82	0.42	0.71	0.69	0.65	-0.84	-0.52	0.8	0.63		0.98	0.41	0.04	0.9	0.74	0.8	-0.29
Capital Surpluse	0.83	0.83	0.49	0.84	0.69	0.83	0.61	0.84	0.39	0.74	0.68	0.64	-0.89	-0.59	0.87	0.64	0.98		0.32	-0.1	0.84	0.73	0.76	-0.27
Long Term Investments	0.17	0.21	-0.39	0.19	0.04	0.16	0.66	0.13	-0.15	-0.09	0.03	0.19	-0.2	-0.13	0.1	-0.17	0.41	0.32		0.32	0.41	-0.07	0.12	-0.01
Short Long Term Debt	-0.14	-0.14	-0.19	-0.13	-0.08	-0.14	0.25	-0.08	0.03	-0.2	-0.15	-0.1	0.31	0.33	-0.3	-0.12	0.04	-0.1	0.32		0.16	0.13	0.08	0.22
Current Deferred Revenue	0.83	0.85	0.49	0.84	0.75	0.83	0.63	0.65	0.53	0.72	0.74	0.59	-0.74	-0.36	0.62	0.62	0.9	0.84	0.41	0.16		0.65	0.74	-0.45
Net Invested Capital	0.8	0.77	0.79	0.75	0.85	0.8	0.11	0.73	0.76	0.85	0.82	0.58	-0.51	-0.15	0.58	0.84	0.74	0.73	-0.07	0.13	0.65		0.95	-0.41
Capital Stock	0.87	0.87	0.75	0.82	0.91	0.88	0.16	0.73	0.79	0.87	0.9	0.62	-0.54	-0.16	0.6	0.81	0.8	0.76	0.12	0.08	0.74	0.95		-0.57
Long Term Debt Total	-0.7	-0.7	-0.68	-0.64	-0.78	-0.7	0.11	-0.16	-0.67	-0.72	-0.78	-0.49	0.23	-0.03	-0.18	-0.68	-0.29	-0.27	-0.01	0.22	-0.45	-0.41	-0.57

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Citizens Retained Earnings Historical Pattern

Today, most investors in Citizens Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's retained earnings growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Citizens Financial retained earnings as a starting point in their analysis.

Citizens Financial Retained Earnings

Timeline

Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.

Competition

Predict Citizens Financial

Retained Earnings Over Time

Based on the latest financial disclosure, Citizens Financial Services has a Retained Earnings of 172.97 M. This is 98.87% lower than that of the Banks sector and significantly higher than that of the Financials industry. The retained earnings for all United States stocks is 98.15% higher than that of the company.

Citizens Retained Earnings 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 Retained Earnings 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 retained earnings category among its peers.

Citizens Financial Current Valuation Drivers

We derive many important indicators used in calculating different scores of Citizens Financial from analyzing Citizens Financial's financial statements. These drivers represent accounts that assess Citizens Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Citizens Financial's important valuation drivers and their relationship over time.

	2020	2021	2022	2023	2024	2025 (projected)
Market Cap	211.0M	237.1M	301.5M	283.6M	255.3M	268.0M
Enterprise Value	217.4M	127.2M	526.6M	552.9M	497.6M	522.5M

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 Fundamentals

	Return On Equity	0.0975
	Return On Asset	0.0092
	Profit Margin	0.28 %
	Operating Margin	0.40 %
	Current Valuation	485.21 M
	Shares Outstanding	4.76 M
	Shares Owned By Insiders	6.33 %
	Shares Owned By Institutions	25.50 %
	Number Of Shares Shorted	42.89 K
	Price To Earning	9.76 X
	Price To Book	1.00 X
	Price To Sales	3.04 X
	Revenue	86.34 M
	Gross Profit	98.2 M
	EBITDA	23.04 M
	Net Income	17.81 M
	Cash And Equivalents	46.88 M
	Cash Per Share	11.80 X
	Total Debt	322.04 M
	Debt To Equity	9.85 %
	Book Value Per Share	62.75 X
	Cash Flow From Operations	26.54 M
	Short Ratio	2.71 X
	Earnings Per Share	5.81 X
	Target Price	60.0
	Number Of Employees	393
	Beta	0.49
	Market Capitalization	298.29 M
	Total Asset	2.98 B
	Retained Earnings	172.97 M
	Annual Yield	0.03 %
	Five Year Return	3.04 %
	Net Asset	2.98 B
	Last Dividend Paid	1.95

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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