Citizens Financial Services Stock (NASDAQ:CZFS)
Previous Close
$62.88
52W Range
$38.52 - $75.40
50D Avg
$66.05
200D Avg
$53.76
Market Cap
$287.96M
Avg Vol (3M)
$20.01K
Beta
0.49
Div Yield
$1.95 (3.22%)
CZFS Company 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.
CZFS Performance
Revenue Breakdown
Revenue Breakdown by Product/Service
| Product/Service | Dec 20 | Dec 19 | Dec 18 |
|---|---|---|---|
| Statement Fees | $207.00K | $206.00K | $206.00K |
| Interchange Revenue | $2.29M | $2.29M | $2.26M |
| Overdraft Fees | $1.17M | $1.54M | $1.55M |
| Financial Service, Other | $339.00K | $348.00K | $350.00K |
| Brokerage and Insurance | $1.30M | $1.14M | $790.00K |
| Automated Teller Machine Income | $323.00K | $392.00K | $400.00K |
| Service | $4.22M | $4.69M | $4.67M |
| Service Charges on Deposit Accounts, Other | $233.00K | $259.00K | $251.00K |
| Trust Fees | $803.00K | $750.00K | $705.00K |
Fiscal year ends in Dec 23 | Currency in USD
Peer Comparison
| Ticker | Company |
|---|---|
| GSBC | Great Southern Bancorp, Inc. |
| AFBI | Affinity Bancshares, Inc. |
| HBCP | Home Bancorp, Inc. |
| OVLY | Oak Valley Bancorp |
| FNWD | Finward Bancorp |
| MGYR | Magyar Bancorp, Inc. |
| FBIZ | First Business Financial Services, Inc. |
| CWBC | Community West Bancshares |
| FFNW | First Financial Northwest, Inc. |
| HFBL | Home Federal Bancorp, Inc. of Louisiana |