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Citizens Financial Services, Inc. 10K Form

Buy

CZFS
Citizens Financial Services, Inc.

Last Price:

$56.65

Seasonality Move:

5.07%

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Key Filings

2021-05-06	10Q	CZFS/Citizens Financial Services, Inc. Quarterly
2020-11-05	10Q	CZFS/Citizens Financial Services, Inc. Quarterly
2020-08-06	10Q	CZFS/Citizens Financial Services, Inc. Quarterly
2020-05-07	10Q	CZFS/Citizens Financial Services, Inc. Quarterly
2020-03-12	10K	CZFS/Citizens Financial Services, Inc. Annual
2019-11-12	10Q	CZFS/Citizens Financial Services, Inc. Quarterly

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CZFS Financial Statistics

Sales & Book Value

Annual Sales:	$169.5M
Cash Flow:	$27K
Price / Cash Flow:	10.77
Annual Sales:	$68.18
Price / Book:	0.83

Profitability

EPS (TTM):	7.11510
Net Income (TTM):	$34.1M
Gross Margin:	$0
Return on Equity:	11.01%
Return on Assets:	1.13%

Citizens Financial Services, Inc. Earnings Forecast

Key Citizens Financial Services, Inc. Financial Ratios

The Gross Profit Margin over the past 32 years for CZFS is 0.00%.
The Selling, General & Administrative Expenses for CZFS have been equal to 0.00% of Gross Profit Margin.
The Interest Expense is 55.85% of Operating Income.
The Net Earning history of CZFS is 16.41% of Total Revenues.
Per Share Earnings over the last 32 years have been positive in 20 years.

Citizens Financial Services, Inc. Stock Price Chart

Industry, Sector and Symbol

Stock Exchange:	NASDAQ
Industry:	Banks
Sector:	Financials
Current Symbol:	CZFS
Website:	firstcitizensbank.com

Debt

Debt-to-Equity Ratio:	0.85
Current Ratio:	0.03
Quick Ratio:	0

Price-to-Earnings

Trailing P/E Ratio:	9.8
Forward P/E Ratio:	7.41

CZFS Technical Analysis vs Fundamental Analysis

Buy

Citizens Financial Services, Inc. (CZFS) is a Buy

Is Citizens Financial Services, Inc. a Buy or a Sell?

Citizens Financial Services, Inc. stock is rated a Buy

The current Citizens Financial Services, Inc. [CZFS] share price is $56.75. The Score for CZFS is 65, which is 30% above its historic median score of 50, and infers lower risk than normal.