Citizens financial services, inc.CZFS.US Overview
CZFS Overall Performance
CZFS AI Analysis & Strategy
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CZFS Key Information
CZFS Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
CZFS Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
CZFS Profile
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
Price of CZFS
CZFS FAQ
When is CZFS's latest earnings report released?
The most recent financial report for Citizens financial services, inc. (CZFS) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CZFS's short-term business performance and financial health. For the latest updates on CZFS's earnings releases, visit this page regularly.
Where does CZFS fall in the P/E River chart?
According to historical valuation range analysis, Citizens financial services, inc. (CZFS)'s current price-to-earnings (P/E) ratio is 8.25, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of CZFS?
According to the latest financial report, Citizens financial services, inc. (CZFS) reported an Operating Profit of 10.42M with an Operating Margin of 39.21% this period, representing a growth of 63.06% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is CZFS's revenue growth?
In the latest financial report, Citizens financial services, inc. (CZFS) announced revenue of 26.56M, with a Year-Over-Year growth rate of 17.36%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much cash does CZFS have?
At the end of the period, Citizens financial services, inc. (CZFS) held Total Cash and Cash Equivalents of 53.3M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does CZFS go with three margins increasing?
In the latest report, Citizens financial services, inc. (CZFS) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 39.21%%, and net margin of 31.9%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CZFS's profit trajectory and future growth potential.
Is CZFS's EPS continuing to grow?
According to the past four quarterly reports, Citizens financial services, inc. (CZFS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.76. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of CZFS?
Citizens financial services, inc. (CZFS)'s Free Cash Flow (FCF) for the period is 5.49M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 89.6% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
What are the PEG ratio and PE ratio of CZFS?
The latest valuation data shows Citizens financial services, inc. (CZFS) has a Price-To-Earnings (PE) ratio of 8.25 and a Price/Earnings-To-Growth (PEG) ratio of 0.89. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.