Citizens Financial Services Stock (NASDAQ:CZFS)


RevenueOwnershipFinancialsChart

Previous Close

$66.18

52W Range

$38.52 - $75.40

50D Avg

$66.09

200D Avg

$51.80

Market Cap

$307.67M

Avg Vol (3M)

$20.36K

Beta

0.49

Div Yield

$1.95 (3.02%)

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.

Show More

Industry

Banks - Regional

Sector

Financial Services

Exchange

NASDAQ

ADR

-

Country

US

Employees

393

IPO Date

Jan 04, 1999

Website

CZFS Performance


Revenue Breakdown


Revenue Breakdown by Product/Service

Product/ServiceDec 20Dec 19Dec 18
Financial Service, Other$339.00K$348.00K$350.00K
Brokerage and Insurance$1.30M$1.14M$790.00K
Service Charges on Deposit Accounts, Other$233.00K$259.00K$251.00K
Service$4.22M$4.69M$4.67M
Statement Fees$207.00K$206.00K$206.00K
Trust Fees$803.00K$750.00K$705.00K
Interchange Revenue$2.29M$2.29M$2.26M
Overdraft Fees$1.17M$1.54M$1.55M
Automated Teller Machine Income$323.00K$392.00K$400.00K

Fiscal year ends in Dec 23 | Currency in USD

CZFS Financial Summary


Dec 23Dec 22Dec 21
Revenue$138.56M$81.87M$78.42M
Operating Income-$47.59M$35.32M
Net Income$17.81M$29.06M$29.12M
EBITDA$373.00K$47.75M$35.51M
Basic EPS$4.06$7.37$7.24
Diluted EPS$4.06$7.37$7.24

Fiscal year ends in Dec 23 | Currency in USD

Peer Comparison


TickerCompany
OVLYOak Valley Bancorp
CWBCCommunity West Bancshares
HBCPHome Bancorp, Inc.
GSBCGreat Southern Bancorp, Inc.
FNWDFinward Bancorp
FBIZFirst Business Financial Services, Inc.
FFNWFirst Financial Northwest, Inc.
AFBIAffinity Bancshares, Inc.
HFBLHome Federal Bancorp, Inc. of Louisiana
MGYRMagyar Bancorp, Inc.