Citizens Financial Services Inc
NASDAQ:CZFS

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Citizens Financial Services Inc Logo
Citizens Financial Services Inc
NASDAQ:CZFS
Watchlist
Price: 57.43 USD -2.99% Market Closed
Market Cap: 273.4m USD
Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

0
Net Interest Income
+0%
Growth Rates:
1 Year
+8%
3 Years
+31%
5 Years
+73%
7 Years
+105%
10 Years
+185%
0
Non Interest Income
+0%
Growth Rates:
1 Year
+33%
3 Years
+25%
5 Years
+84%
7 Years
+78%
10 Years
+109%
0
Net Income
+0%
Growth Rates:
1 Year
+56%
3 Years
-4%
5 Years
+43%
7 Years
+113%
10 Years
+108%

Income Statement
Citizens Financial Services Inc

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Income Statement
Currency: USD
Millions
Ones
Thousands
Millions
Billions
TTM
Quarterly
Annual
TTM
Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024
Revenue
Net Interest Income
30
30
30
30
31
32
34
36
38
39
40
41
42
44
45
46
47
48
48
49
50
51
55
58
62
66
66
66
66
66
67
70
72
74
74
78
80
83
87
85
86
Interest Income
35
35
35
35
36
37
39
41
43
44
45
46
48
50
52
55
57
58
60
61
62
62
65
67
70
73
73
73
73
73
74
78
83
91
98
113
127
140
151
153
154
Interest Expense
5
5
5
5
5
5
5
5
5
5
5
5
6
6
7
8
10
11
12
12
12
11
10
9
8
8
8
7
7
7
7
8
11
17
24
35
47
57
65
68
68
Non Interest Income
7
7
8
7
7
8
8
8
8
8
8
8
9
9
8
9
8
8
8
8
8
8
8
10
11
14
14
14
12
11
10
10
10
9
9
10
12
14
15
16
15
Revenue
38
N/A
38
+0%
38
+0%
38
+0%
38
+1%
40
+5%
42
+4%
44
+5%
46
+5%
47
+2%
48
+2%
49
+2%
51
+4%
52
+3%
54
+2%
55
+2%
55
+0%
56
+1%
56
+1%
58
+2%
58
+1%
59
+1%
63
+7%
68
+8%
74
+8%
80
+8%
80
+1%
80
-1%
78
-1%
76
-3%
78
+1%
80
+3%
82
+3%
83
+2%
84
+0%
88
+5%
92
+4%
98
+6%
102
+5%
101
-1%
102
+1%
Pre-Tax Income
Loan Loss Provision
(1)
(1)
(1)
(0)
(0)
(1)
(1)
(1)
(2)
(2)
(3)
(3)
(3)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(3)
(3)
(2)
(2)
(1)
(1)
(1)
(2)
(1)
(6)
(6)
(6)
(6)
(3)
(3)
(3)
Non Interest Expense
(20)
(20)
(21)
(22)
(23)
(25)
(27)
(28)
(29)
(29)
(29)
(29)
(29)
(30)
(30)
(31)
(32)
(32)
(33)
(33)
(33)
(34)
(37)
(38)
(41)
(42)
(41)
(41)
(42)
(42)
(43)
(44)
(45)
(46)
(56)
(61)
(65)
(70)
(65)
(65)
(66)
Pre-Tax Income
17
N/A
17
-1%
16
-2%
16
-4%
14
-9%
15
+1%
14
-2%
15
+3%
16
+7%
16
+1%
17
+5%
17
+5%
19
+9%
20
+4%
21
+5%
22
+3%
21
-1%
22
+1%
22
+1%
23
+3%
23
+3%
24
+1%
24
+3%
28
+15%
30
+10%
35
+15%
37
+5%
36
-3%
35
-1%
33
-5%
34
+1%
34
+2%
36
+4%
36
+1%
22
-38%
22
0%
22
-2%
22
+0%
33
+54%
33
+0%
34
+1%
Net Income
Tax Provision
(4)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(4)
(4)
(5)
(4)
(4)
(4)
(3)
(3)
(4)
(4)
(4)
(4)
(4)
(5)
(5)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
(6)
(7)
(4)
(4)
(4)
(4)
(6)
(6)
(6)
Income from Continuing Operations
13
13
13
13
12
12
12
12
13
13
13
14
15
16
17
18
18
18
18
19
19
20
20
23
25
29
30
29
29
27
28
28
29
29
18
18
18
18
27
27
28
Net Income (Common)
13
N/A
13
0%
13
-1%
13
-4%
12
-8%
12
+1%
12
-1%
12
+2%
13
+6%
13
+0%
13
+3%
14
+4%
13
-4%
14
+7%
15
+9%
16
+6%
18
+12%
18
+1%
18
+1%
19
+3%
19
+3%
20
+1%
20
+2%
23
+14%
25
+10%
29
+16%
30
+5%
29
-3%
29
-1%
27
-6%
28
+1%
28
+2%
29
+3%
29
+0%
18
-38%
18
+0%
18
-2%
18
+1%
27
+52%
27
0%
28
+2%
EPS (Diluted)
3.92
N/A
3.91
0%
3.87
-1%
3.72
-4%
3.41
-8%
3.15
-8%
3.11
-1%
3.2
+3%
3.39
+6%
3.42
+1%
3.53
+3%
3.67
+4%
3.52
-4%
3.78
+7%
4.11
+9%
4.38
+7%
4.89
+12%
4.94
+1%
4.99
+1%
5.17
+4%
5.32
+3%
5.36
+1%
5.07
-5%
5.67
+12%
6.4
+13%
7.22
+13%
7.54
+4%
7.29
-3%
7.24
-1%
6.81
-6%
6.88
+1%
7.01
+2%
7.25
+3%
7.28
+0%
4.41
-39%
3.86
-12%
4.02
+4%
3.78
-6%
5.76
+52%
5.76
N/A
5.85
+2%

See Also

Summary
CZFS intrinsic value, competitors valuation, and company profile.
DCF Valuation
CZFS stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CZFS stock valuation using valuation multiples.
Wall Street Estimates
CZFS price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CZFS stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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