Citizens Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Citizens Financial Services
CZFS Stock  USD 53.45  0.80  1.47%   
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
103.9 M
Profit Margin
0.3043
Market Capitalization
256.9 M
Enterprise Value Revenue
5.4283
Revenue
103.9 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 2025 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 152.5 M in 2025. Enterprise Value is likely to gain to about 175.6 M in 2025

Citizens Financial Total Revenue

177.05 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 1.9 M, Interest Expense of 71.3 M or Selling General Administrative of 43.4 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.
  
Build AI portfolio with Citizens Stock
Check out the analysis of Citizens Financial Correlation against competitors.

Citizens Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets3.2 B3 B1.6 B
Slightly volatile
Short and Long Term Debt Total312.6 M297.7 M122.3 M
Slightly volatile
Other Current Liabilities2.5 B2.4 B1.3 B
Slightly volatile
Total Current Liabilities2.5 B2.4 B1.3 B
Slightly volatile
Total Stockholder Equity314.7 M299.7 M159.3 M
Slightly volatile
Property Plant And Equipment Net13.4 M21.4 M15.1 M
Slightly volatile
Retained Earnings198.9 M189.4 M111 M
Slightly volatile
Cash30.2 M46 M42.2 M
Slightly volatile
Non Current Assets Total3.1 B2.9 B1.3 B
Slightly volatile
Non Currrent Assets Other110.2 M105 M59.2 M
Slightly volatile
Cash And Short Term Investments176.9 M93.1 M318.1 M
Pretty Stable
Net Receivables10.8 M10.3 M6.1 M
Slightly volatile
Common Stock Shares Outstanding4.2 M4.8 M3.9 M
Slightly volatile
Liabilities And Stockholders Equity3.2 B3 B1.6 B
Slightly volatile
Non Current Liabilities Total330.1 M314.4 M137.4 M
Slightly volatile
Other Stockholder Equity135 M128.6 M50.9 M
Slightly volatile
Total Liabilities2.9 B2.7 B1.5 B
Slightly volatile
Total Current Assets181.6 M103.4 M324.3 M
Pretty Stable
Common Stock3.5 M5.2 M3.8 M
Slightly volatile
Accounts Payable4.9 M4.7 M1.8 M
Slightly volatile
Other Current Assets74.8 M78.7 M264.9 M
Slightly volatile
Other Liabilities10.6 M17.4 M12.5 M
Slightly volatile
Long Term Debt286.5 M272.8 M112.1 M
Slightly volatile
Good Will103.6 M98.6 M33.9 M
Slightly volatile
Short Term Investments44.8 M47.1 M270 M
Very volatile
Intangible Assets4.3 M2.9 M4.1 M
Slightly volatile
Property Plant Equipment15.2 M20.3 M15.5 M
Slightly volatile
Short Term Debt23.7 M24.9 M58 M
Pretty Stable
Net Tangible Assets135 M192.6 M123 M
Slightly volatile
Common Stock Total Equity4.3 M5.1 M3.9 M
Slightly volatile
Retained Earnings Total Equity118.5 M189.7 M111 M
Slightly volatile
Capital Surpluse57.8 M93 M51.9 M
Slightly volatile
Long Term Investments701.4 M427.7 M622.1 M
Pretty Stable
Non Current Liabilities Other15.7 M23.9 M13.9 M
Slightly volatile
Short and Long Term Debt7.2 M7.6 M23.7 M
Slightly volatile
Net Invested Capital401.9 M580.1 M314.4 M
Slightly volatile
Capital Stock4.9 M5.2 M4.2 M
Slightly volatile
Property Plant And Equipment Gross38.2 M40.1 M32.3 M
Slightly volatile
Long Term Debt Total7.8 M8.8 M9.5 M
Slightly volatile

Citizens Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization1.9 M1.8 M821.7 K
Slightly volatile
Interest Expense71.3 M67.9 M17.9 M
Slightly volatile
Selling General Administrative43.4 M41.3 M21.1 M
Slightly volatile
Total Revenue177 M168.6 M76 M
Slightly volatile
Gross Profit103.1 M98.2 M56.5 M
Slightly volatile
Other Operating Expenses141.7 M134.9 M53.7 M
Slightly volatile
Operating Income35.4 M33.7 M22.4 M
Slightly volatile
EBIT35.4 M33.7 M22.4 M
Slightly volatile
EBITDA37.3 M35.5 M23.2 M
Slightly volatile
Cost Of Revenue74 M70.4 M19.6 M
Slightly volatile
Income Before Tax35.4 M33.7 M22.4 M
Slightly volatile
Net Income29.2 M27.8 M18.1 M
Slightly volatile
Income Tax Expense3 M5.9 M4.1 M
Slightly volatile
Net Income Applicable To Common Shares35.1 M33.4 M19.6 M
Slightly volatile
Net Income From Continuing Ops21.1 M27.8 M18.2 M
Slightly volatile
Non Recurring141.1 K148.5 K243.6 K
Slightly volatile
Tax Provision5.3 M5.9 M4.2 M
Slightly volatile
Net Interest Income65.8 M84.9 M51.9 M
Slightly volatile
Interest Income87.1 M152.8 M66 M
Slightly volatile
Selling And Marketing Expenses48.2 M45.9 M13.7 M
Slightly volatile

Citizens Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow33.5 M31.9 M19.9 M
Slightly volatile
Begin Period Cash Flow55.5 M52.8 M37.6 M
Slightly volatile
Dividends Paid9.8 M9.3 M6 M
Slightly volatile
Total Cash From Operating Activities34.8 M33.2 M20.8 M
Slightly volatile
Net Income29.2 M27.8 M18.1 M
Slightly volatile
End Period Cash Flow26.7 M42.2 M35.6 M
Slightly volatile
Change To Inventory943.1 K898.1 K744.5 K
Pretty Stable

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.121.76572.9829
Slightly volatile
Dividend Yield0.03620.03120.0306
Very volatile
PTB Ratio1.650.99331.4023
Slightly volatile
Days Sales Outstanding21.222.311437.6897
Slightly volatile
Book Value Per Share66.2663.101939.604
Slightly volatile
Free Cash Flow Yield0.07660.1070.0979
Pretty Stable
Operating Cash Flow Per Share7.336.98575.2525
Slightly volatile
Stock Based Compensation To Revenue0.00340.00240.0043
Very volatile
Capex To Depreciation1.450.72761.2629
Very volatile
PB Ratio1.650.99331.4023
Slightly volatile
EV To Sales2.73.25853.7391
Pretty Stable
Free Cash Flow Per Share7.046.70915.0297
Slightly volatile
ROIC0.08130.04350.0736
Slightly volatile
Net Income Per Share6.155.85644.568
Slightly volatile
Payables Turnover15.7615.01159.9101
Slightly volatile
Sales General And Administrative To Revenue0.210.24520.2825
Pretty Stable
Capex To Revenue0.00740.00780.0129
Pretty Stable
Cash Per Share34.0219.608283.2206
Very volatile
POCF Ratio7.758.972610.1965
Very volatile
Interest Coverage0.470.49632.3445
Pretty Stable
Payout Ratio0.420.33440.3509
Very volatile
Capex To Operating Cash Flow0.03760.03960.0455
Very volatile
PFCF Ratio8.139.342610.6689
Very volatile
Days Payables Outstanding23.124.314740.5057
Slightly volatile
Income Quality1.381.19281.1737
Pretty Stable
ROE0.140.09280.1244
Slightly volatile
EV To Operating Cash Flow10.0216.55813.0115
Slightly volatile
PE Ratio12.9810.702811.705
Very volatile
Return On Tangible Assets0.00940.00950.0121
Slightly volatile
EV To Free Cash Flow11.017.240813.6654
Slightly volatile
Earnings Yield0.07170.09340.0896
Very volatile
Intangibles To Total Assets0.03080.02930.0187
Slightly volatile
Current Ratio0.04070.04290.2779
Slightly volatile
Tangible Book Value Per Share46.6644.438731.6033
Slightly volatile
Receivables Turnover9.6316.359411.8629
Slightly volatile
Graham Number95.7591.186163.3183
Slightly volatile
Shareholders Equity Per Share66.2663.101939.604
Slightly volatile
Debt To Equity0.610.99330.6495
Slightly volatile
Capex Per Share0.340.27660.23
Slightly volatile
Revenue Per Share37.2735.498118.7188
Slightly volatile
Interest Debt Per Share80.8176.964833.7472
Slightly volatile
Debt To Assets0.05340.09840.0626
Slightly volatile
Enterprise Value Over EBITDA8.6215.481711.408
Slightly volatile
Short Term Coverage Ratios1.41.33210.9099
Slightly volatile
Price Earnings Ratio12.9810.702811.705
Very volatile
Operating Cycle21.222.311437.6897
Slightly volatile
Price Book Value Ratio1.650.99331.4023
Slightly volatile
Days Of Payables Outstanding23.124.314740.5057
Slightly volatile
Dividend Payout Ratio0.420.33440.3509
Very volatile
Price To Operating Cash Flows Ratio7.758.972610.1965
Very volatile
Price To Free Cash Flows Ratio8.139.342610.6689
Very volatile
Pretax Profit Margin0.230.19980.3319
Slightly volatile
Ebt Per Ebit0.80.90.9783
Slightly volatile
Operating Profit Margin0.230.19980.3319
Slightly volatile
Effective Tax Rate0.240.17410.2058
Slightly volatile
Company Equity Multiplier12.4110.094710.3841
Pretty Stable
Long Term Debt To Capitalization0.310.47650.3695
Slightly volatile
Total Debt To Capitalization0.320.49830.3732
Slightly volatile
Return On Capital Employed0.110.05480.0936
Slightly volatile
Debt Equity Ratio0.610.99330.6495
Slightly volatile
Ebit Per Revenue0.230.19980.3319
Slightly volatile
Quick Ratio0.04070.04290.2779
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.223.12573.0164
Pretty Stable
Net Income Per E B T0.620.82590.7854
Very volatile
Cash Ratio0.02640.01910.0326
Very volatile
Operating Cash Flow Sales Ratio0.220.19680.3021
Slightly volatile
Days Of Sales Outstanding21.222.311437.6897
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.680.96040.9368
Slightly volatile
Cash Flow Coverage Ratios0.110.11150.2607
Slightly volatile
Price To Book Ratio1.650.99331.4023
Slightly volatile
Fixed Asset Turnover8.287.88114.531
Slightly volatile
Capital Expenditure Coverage Ratio16.3425.252729.103
Pretty Stable
Price Cash Flow Ratio7.758.972610.1965
Very volatile
Enterprise Value Multiple8.6215.481711.408
Slightly volatile
Debt Ratio0.05340.09840.0626
Slightly volatile
Cash Flow To Debt Ratio0.110.11150.2607
Slightly volatile
Price Sales Ratio2.121.76572.9829
Slightly volatile
Return On Assets0.00920.00920.0119
Slightly volatile
Asset Turnover0.05860.05570.0461
Pretty Stable
Net Profit Margin0.180.1650.2634
Slightly volatile
Gross Profit Margin0.490.58220.7492
Very volatile
Price Fair Value1.650.99331.4023
Slightly volatile
Return On Equity0.140.09280.1244
Slightly volatile

Citizens Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap152.5 M145.3 M148.1 M
Slightly volatile
Enterprise Value175.6 M167.2 M171.9 M
Slightly volatile

Citizens Fundamental Market Drivers

Forward Price Earnings9.2678
Cash And Short Term Investments93.1 M

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 Revenue168.6 M177 M
Cost Of Revenue70.4 M74 M
Sales General And Administrative To Revenue 0.25  0.21 
Capex To Revenue 0.01  0.01 
Revenue Per Share 35.50  37.27 
Ebit Per Revenue 0.20  0.23 

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
2025 Macroaxis LLC
COMMON DESTINATIONS
MAIN CATEGORIES
COMPANY