Citizens Historical Financial Ratios

CZFS Stock

USD 70.61 0.04 0.06%

Citizens Financial is presently reporting on over 99 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Dividend Yield of 0.0363, PTB Ratio of 1.66 or Days Sales Outstanding of 44.35 will help investors to properly organize and evaluate Citizens Financial financial condition quickly.

Quick Ratio Current Ratio

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

About Citizens Financial Ratios Analysis

Citizens FinancialFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Citizens Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Citizens financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Citizens Financial history.

Citizens Financial Financial Ratios Chart

At this time, Citizens Financial's Sales General And Administrative To Revenue is comparatively stable compared to the past year. Capex To Revenue is likely to gain to 0.06 in 2024, whereas Days Sales Outstanding is likely to drop 44.35 in 2024.

Price To Sales Ratio Ptb Ratio Days Sales Outstanding Average Inventory Payout Ratio Earnings Yield

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing Citizens Financial stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Citizens Financial sales, a figure that is much harder to manipulate than other Citizens Financial Services multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Average Inventory

The average amount of inventory a company holds over a certain period, which is used to calculate inventory turnover and efficiency in managing stock levels.

Payout Ratio

Payout Ratio is the proportion of Citizens Financial Services earnings paid out as dividends to shareholders. Payout Ratio is typically expressed as a percentage but can be shown as dividends paid out as a proportion of cash flow. The payout ratio is used to determine the sustainability of Citizens Financial dividend payments. A lower payout ratio is generally preferable to a higher payout ratio, with a ratio greater than 100% indicating Citizens Financial is paying out more in dividends than it makes in net income.

Earnings Yield

The inverse of the price-to-earnings ratio, representing the percentage of each dollar invested in the stock that was earned by the company.

Most ratios from Citizens Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Citizens Financial current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

	2021	2023	2024 (projected)
Dividend Yield	0.0311	0.0303	0.0363
Price To Sales Ratio	3.02	3.25	3.09

Dividend Yield Price To Sales Ratio

Citizens Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		0.01	0.38	0.99	-0.61	-0.17	-0.59	-0.18	0.38	0.93	-0.59	0.93	-0.59	0.92	-0.6	0.18	-0.33	0.23	0.07	0.13	-0.09	0.1	-0.12	0.19	-0.11	-0.14
Dividend Yield	0.01		-0.3	0.07	0.04	0.07	-0.13	0.25	-0.3	0.0	-0.16	0.11	-0.21	0.24	-0.02	-0.21	-0.23	0.35	0.47	-0.17	-0.11	-0.09	-0.16	-0.32	0.11	-0.1
Ptb Ratio	0.38	-0.3		0.3	-0.43	-0.24	-0.24	0.17	1.0	0.49	-0.23	0.29	-0.49	0.32	-0.21	-0.02	0.02	0.13	0.0	-0.08	0.21	0.08	0.13	0.4	0.12	0.08
Days Sales Outstanding	0.99	0.07	0.3		-0.57	-0.15	-0.59	-0.21	0.3	0.93	-0.59	0.93	-0.59	0.94	-0.62	0.16	-0.37	0.22	0.1	0.11	-0.1	0.07	-0.11	0.14	-0.14	-0.13
Book Value Per Share	-0.61	0.04	-0.43	-0.57		-0.13	0.67	0.15	-0.43	-0.41	0.62	-0.75	0.47	-0.35	0.71	-0.07	-0.17	0.05	0.53	0.0	0.18	-0.59	0.49	0.06	-0.44	0.54
Free Cash Flow Yield	-0.17	0.07	-0.24	-0.15	-0.13		0.51	-0.05	-0.24	-0.3	0.55	0.08	0.31	-0.24	-0.06	-0.83	0.2	-0.52	-0.49	-0.84	0.37	0.54	-0.8	-0.59	0.49	-0.79
Operating Cash Flow Per Share	-0.59	-0.13	-0.24	-0.59	0.67	0.51		0.28	-0.24	-0.52	1.0	-0.59	0.69	-0.48	0.68	-0.59	0.23	-0.32	-0.02	-0.55	0.46	-0.04	-0.15	-0.22	0.03	-0.12
Capex To Depreciation	-0.18	0.25	0.17	-0.21	0.15	-0.05	0.28		0.17	-0.07	0.25	-0.27	-0.1	-0.04	0.38	-0.27	0.14	0.65	0.24	-0.24	0.56	-0.34	0.09	0.44	-0.27	0.11
Pb Ratio	0.38	-0.3	1.0	0.3	-0.43	-0.24	-0.24	0.17		0.49	-0.23	0.29	-0.49	0.32	-0.21	-0.02	0.02	0.13	0.0	-0.08	0.21	0.08	0.13	0.4	0.12	0.08
Ev To Sales	0.93	0.0	0.49	0.93	-0.41	-0.3	-0.52	-0.07	0.49		-0.53	0.79	-0.69	0.95	-0.55	0.13	-0.53	0.36	0.31	0.08	0.07	-0.14	0.17	0.35	-0.31	0.15
Free Cash Flow Per Share	-0.59	-0.16	-0.23	-0.59	0.62	0.55	1.0	0.25	-0.23	-0.53		-0.57	0.7	-0.5	0.65	-0.61	0.27	-0.37	-0.1	-0.57	0.45	0.02	-0.2	-0.25	0.08	-0.18
Roic	0.93	0.11	0.29	0.93	-0.75	0.08	-0.59	-0.27	0.29	0.79	-0.57		-0.51	0.82	-0.71	0.03	-0.22	0.02	-0.1	-0.02	-0.16	0.37	-0.38	-0.1	0.17	-0.4
Net Income Per Share	-0.59	-0.21	-0.49	-0.59	0.47	0.31	0.69	-0.1	-0.49	-0.69	0.7	-0.51		-0.62	0.57	-0.06	0.53	-0.62	-0.29	-0.02	-0.25	0.34	-0.21	-0.52	0.33	-0.19
Capex To Revenue	0.92	0.24	0.32	0.94	-0.35	-0.24	-0.48	-0.04	0.32	0.95	-0.5	0.82	-0.62		-0.46	0.1	-0.5	0.38	0.42	0.07	0.0	-0.13	0.05	0.2	-0.25	0.05
Cash Per Share	-0.6	-0.02	-0.21	-0.62	0.71	-0.06	0.68	0.38	-0.21	-0.55	0.65	-0.71	0.57	-0.46		-0.06	0.38	0.01	0.25	0.0	0.15	-0.29	0.15	0.04	-0.12	0.19
Pocfratio	0.18	-0.21	-0.02	0.16	-0.07	-0.83	-0.59	-0.27	-0.02	0.13	-0.61	0.03	-0.06	0.1	-0.06		0.09	0.2	0.11	0.99	-0.68	-0.2	0.52	0.32	-0.26	0.49
Interest Coverage	-0.33	-0.23	0.02	-0.37	-0.17	0.2	0.23	0.14	0.02	-0.53	0.27	-0.22	0.53	-0.5	0.38	0.09		-0.35	-0.53	0.09	-0.22	0.47	-0.41	-0.23	0.45	-0.42
Payout Ratio	0.23	0.35	0.13	0.22	0.05	-0.52	-0.32	0.65	0.13	0.36	-0.37	0.02	-0.62	0.38	0.01	0.2	-0.35		0.52	0.22	0.35	-0.72	0.45	0.76	-0.68	0.46
Capex To Operating Cash Flow	0.07	0.47	0.0	0.1	0.53	-0.49	-0.02	0.24	0.0	0.31	-0.1	-0.1	-0.29	0.42	0.25	0.11	-0.53	0.52		0.16	0.07	-0.68	0.6	0.24	-0.5	0.66
Pfcf Ratio	0.13	-0.17	-0.08	0.11	0.0	-0.84	-0.55	-0.24	-0.08	0.08	-0.57	-0.02	-0.02	0.07	0.0	0.99	0.09	0.22	0.16		-0.67	-0.23	0.54	0.3	-0.27	0.52
Income Quality	-0.09	-0.11	0.21	-0.1	0.18	0.37	0.46	0.56	0.21	0.07	0.45	-0.16	-0.25	0.0	0.15	-0.68	-0.22	0.35	0.07	-0.67		-0.37	-0.03	0.45	-0.37	-0.02
Roe	0.1	-0.09	0.08	0.07	-0.59	0.54	-0.04	-0.34	0.08	-0.14	0.02	0.37	0.34	-0.13	-0.29	-0.2	0.47	-0.72	-0.68	-0.23	-0.37		-0.73	-0.71	0.91	-0.75
Ev To Operating Cash Flow	-0.12	-0.16	0.13	-0.11	0.49	-0.8	-0.15	0.09	0.13	0.17	-0.2	-0.38	-0.21	0.05	0.15	0.52	-0.41	0.45	0.6	0.54	-0.03	-0.73		0.62	-0.68	1.0
Pe Ratio	0.19	-0.32	0.4	0.14	0.06	-0.59	-0.22	0.44	0.4	0.35	-0.25	-0.1	-0.52	0.2	0.04	0.32	-0.23	0.76	0.24	0.3	0.45	-0.71	0.62		-0.76	0.59
Return On Tangible Assets	-0.11	0.11	0.12	-0.14	-0.44	0.49	0.03	-0.27	0.12	-0.31	0.08	0.17	0.33	-0.25	-0.12	-0.26	0.45	-0.68	-0.5	-0.27	-0.37	0.91	-0.68	-0.76		-0.69
Ev To Free Cash Flow	-0.14	-0.1	0.08	-0.13	0.54	-0.79	-0.12	0.11	0.08	0.15	-0.18	-0.4	-0.19	0.05	0.19	0.49	-0.42	0.46	0.66	0.52	-0.02	-0.75	1.0	0.59	-0.69

Click cells to compare fundamentals

Citizens Financial Account Relationship Matchups

Citizens Financial fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	3.51	3.68	2.87	3.02	3.25	3.09
Dividend Yield	0.0295	0.031	0.0311	0.0252	0.0303	0.0363
Days Sales Outstanding	28.5	29.74	24.37	32.69	46.69	44.35
Book Value Per Share	42.24	49.54	52.8	49.92	63.81	67.0
Free Cash Flow Yield	0.11	0.0993	0.0516	0.1	0.0852	0.0766
Operating Cash Flow Per Share	5.94	3.02	9.61	8.29	6.06	6.36
Stock Based Compensation To Revenue	0.006327	0.006425	0.00783	0.004104	0.003579	0.004387
Capex To Depreciation	0.97	(0.33)	0.99	1.58	1.72	1.39
Ev To Sales	4.57	2.95	1.62	6.43	6.37	9.15
Free Cash Flow Per Share	5.81	2.77	9.34	7.88	5.46	5.73
Roic	0.0812	0.0887	0.1	0.0852	0.0587	0.0558
Net Income Per Share	5.32	6.4	7.24	7.25	4.06	2.21
Cash Per Share	74.64	96.32	148.15	117.67	107.34	112.71
Pocfratio	9.85	17.85	6.13	9.07	10.58	7.76
Interest Coverage	1.94	3.75	4.97	4.24	0.91	0.86
Capex To Operating Cash Flow	0.0222	0.0797	0.0286	0.0492	0.0986	0.17
Pfcf Ratio	10.07	19.39	6.31	9.54	11.74	8.12
Income Quality	1.19	1.12	0.47	1.14	1.49	1.38
Ev To Operating Cash Flow	12.25	18.39	3.29	15.84	20.73	21.76
Pe Ratio	11.0	8.4	8.14	10.38	15.77	13.0
Ev To Free Cash Flow	12.53	19.98	3.38	16.66	23.0	24.15
Earnings Yield	0.0935	0.0909	0.12	0.0964	0.0634	0.0717
Intangibles To Total Assets	0.0174	0.0168	0.0175	0.0154	0.014	0.03
Net Debt To E B I T D A	2.15	0.2	(3.02)	6.16	11.69	12.27
Current Ratio	255.55	377.24	845.99	388.88	349.99	367.49
Tangible Book Value Per Share	35.52	41.12	44.6	41.78	43.41	45.58
Receivables Turnover	12.8	12.27	14.98	11.17	7.82	6.63
Graham Number	71.11	84.48	92.71	90.23	76.39	80.21
Shareholders Equity Per Share	42.24	49.54	52.8	49.92	63.81	67.0
Graham Net Net	(288.38)	(346.96)	(354.4)	(418.03)	(505.86)	(480.56)
Revenue Per Share	15.92	18.77	19.48	20.42	19.7	20.69

Thematic Opportunities

Explore Investment Opportunities

Build portfolios using Macroaxis predefined set of investing ideas. Many of Macroaxis investing ideas can easily outperform a given market. Ideas can also be optimized per your risk profile before portfolio origination is invoked. Macroaxis thematic optimization helps investors identify companies most likely to benefit from changes or shifts in various micro-economic or local macro-level trends. Originating optimal thematic portfolios involves aligning investors' personal views, ideas, and beliefs with their actual investments.

Explore Investing Ideas

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.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2024 Macroaxis LLC

Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Dividend Payout Ratio
Price To Operating Cash Flows Ratio	Price To Free Cash Flows Ratio
Pretax Profit Margin	Ebt Per Ebit
Operating Profit Margin	Effective Tax Rate
Company Equity Multiplier	Long Term Debt To Capitalization
Total Debt To Capitalization	Return On Capital Employed
Debt Equity Ratio	Ebit Per Revenue
Quick Ratio	Dividend Paid And Capex Coverage Ratio
Net Income Per E B T	Cash Ratio
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Citizens Historical Financial Ratios

About Citizens Financial Ratios Analysis

Citizens Financial Financial Ratios Chart

Price To Sales Ratio

Ptb Ratio

Average Inventory

Payout Ratio

Earnings Yield

Citizens Financial fundamentals Correlations

Citizens Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Citizens Financial fundamentals Accounts

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Citizens Stock Analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Ev To Free Cash Flow	+ 1.0	Ev To Operating Cash Flow
Days Sales Outstanding	+ 0.99	Price To Sales Ratio
Pfcf Ratio	+ 0.99	Pocfratio
Capex To Revenue	+ 0.95	Ev To Sales

Pfcf Ratio	- 0.84	Free Cash Flow Yield
Pocfratio	- 0.83	Free Cash Flow Yield
Ev To Operating Cash Flow	- 0.8	Free Cash Flow Yield
Ev To Free Cash Flow	- 0.79	Free Cash Flow Yield
Return On Tangible Assets	- 0.76	Pe Ratio
Ev To Free Cash Flow	- 0.75	Roe