Citizens Financial Services, Inc. logo CZFS - Citizens Financial Services, Inc.

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STRONG
BUY
0
BUY 2
HOLD 0
SELL 0
STRONG
SELL
0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Revenue
Revenue 173.2 168.6 138.7 93.1 85.5 81.7 70.4 64.5 56.7 50.9 43.1 42.6 43.7 46.1 45.2 45.3 44.5 38.4 41.1 37.6 33.4 30.9 30.9 32.4 33.3 28.9 26.2 14.4 14.3 12.5 11.3 9.3 9.2
Cost of Revenue 63.5 70.4 52.4 12.9 8.7 10.5 13.7 11.5 8.4 6.6 5.3 5.5 6.7 8.1 10.4 12.6 14.2 14.4 17.3 15.3 11.1 9.2 9.3 10.8 14.8 14.8 12.5 12.1 11.8 11.1 10.0 8.2 8.2
Gross Profit 109.7 98.2 86.3 80.2 76.9 71.2 56.7 53.0 48.4 44.3 37.8 37.1 36.9 38.0 34.9 32.7 30.3 24.0 23.8 22.3 22.3 21.7 21.7 21.6 18.6 14.0 13.6 2.3 2.5 1.4 1.3 1.1 1.1
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 45.9 41.3 36.5 28.5 26.4 24.7 20.5 19.5 18.0 17.1 13.0 12.0 11.8 11.5 10.6 10.8 9.5 8.7 8.4 8.0 7.6 7.6 8.3 7.1 6.6 4.8 4.3 3.8 3.9 3.4 3.1 3.1 2.8
Other Expenses 18.7 23.1 28.4 16.2 15.1 16.2 12.8 12.0 11.3 11.6 10.5 8.2 8.0 7.9 7.8 7.2 8.3 7.2 6.9 7.0 7.7 7.3 7.2 7.1 7.4 5.4 4.7 (6.6) (6.9) (6.3) (5.9) (5.7) (5.0)
Operating Expenses 64.6 64.5 64.8 44.7 41.5 40.8 33.3 31.6 29.3 28.7 23.4 20.2 19.8 19.4 18.4 18.0 17.8 15.9 15.3 15.0 15.4 14.9 15.5 14.2 14.0 10.2 9.0 (2.7) (3.1) (2.9) (2.7) (2.6) (2.3)
Operating Income
Operating Income 45.1 33.7 21.5 35.5 35.3 30.4 23.3 21.4 19.1 15.7 14.3 16.9 17.1 18.5 16.4 14.7 12.5 8.1 8.5 7.3 6.9 6.7 6.2 7.4 4.5 3.9 4.6 5.0 5.5 4.3 4.0 3.8 3.3
Interest Expense 61.2 67.9 46.9 11.2 7.1 8.1 12.0 9.6 5.8 5.0 4.8 5.0 6.3 7.7 9.7 11.3 13.2 14.1 16.9 15.0 11 9.2 8.8 10.4 14.3 14.2 12.1 11.9 11.6 10.9 9.9 7.9 7.9
Interest Income 159.2 152.8 125.7 82.7 72.8 69.9 61.5 56.3 47.8 42.7 35.4 35.1 36.1 38.0 38.2 39.0 38.6 37.1 36.0 32.9 28.7 26.6 25.6 27.4 29.0 26.2 23.5 23.1 22.8 21.3 19.4 17.3 16.6
Profitability
EBITDA 45.1 35.5 23.0 36.5 36.4 31.5 24.4 21.8 19.3 16.0 14.8 17.4 17.6 19.0 16.9 15.1 13.2 8.8 9.4 8.5 9.0 9.1 8.7 9.5 6.7 5.1 5.7 5.8 6.1 4.8 4.4 4.2 3.8
EBIT 45.1 33.7 21.5 35.5 35.3 30.4 23.3 21.4 19.1 15.7 14.3 16.9 17.1 18.5 16.4 14.7 12.5 8.1 8.5 7.3 6.9 6.7 6.2 7.4 4.5 3.9 4.6 5.0 5.5 4.3 4.0 3.8 3.3
Income Before Tax 45.1 33.7 21.5 35.5 35.3 30.4 23.3 21.4 19.1 15.7 14.3 16.9 17.1 18.5 16.4 14.7 12.5 8.1 8.5 7.3 6.9 6.7 6.2 7.4 4.5 3.9 4.6 5.0 5.5 4.3 4.0 3.8 3.3
Income Tax Expense 8.5 5.9 3.7 6.4 6.2 5.3 3.8 3.4 6.0 3.0 2.7 3.6 3.8 4.3 3.6 3.2 2.7 1.2 1.8 1.5 1.7 1.5 1.3 1.8 0.8 0.6 1.0 1.4 1.7 1.3 1.2 1.2 0.9
Net Income 36.6 27.8 17.8 29.1 29.1 25.1 19.5 18.0 13.0 12.6 11.6 13.4 13.4 14.2 12.8 11.5 9.9 6.9 6.7 5.8 5.3 5.3 4.9 5.6 3.8 3.2 3.6 3.5 3.8 3.0 2.8 2.6 2.4
Per Share Data
EPS (Basic) 7.62 5.80 3.98 7.10 7.09 6.27 5.27 4.84 3.49 3.36 3.39 3.88 3.85 4.05 3.62 3.23 2.76 1.93 1.85 1.58 1.42 1.38 1.30 1.49 0.99 0.85 0.93 0.90 1.00 0.78 0.74 0.68 0.63
EPS (Diluted) 7.62 5.79 3.98 7.10 7.09 6.27 5.26 4.84 3.49 3.36 3.37 3.87 3.85 4.09 3.62 3.23 2.76 1.93 1.85 1.58 1.42 1.38 1.30 1.49 0.99 0.85 0.93 0.90 1.00 0.78 0.74 0.68 0.63
Shares Outstanding 4.8 4.8 4.4 4.0 4.1 4.0 3.7 3.7 3.7 3.8 3.4 3.5 3.5 3.5 3.5 3.6 3.6 3.6 3.6 3.7 3.7 3.8 3.7 3.8 3.8 3.8 3.8 3.9 3.8 3.9 3.8 3.8 3.8
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Current Assets
Cash & Cash Equivalents 38.1 46.0 56.9 32.3 183.9 82.5 32.8 32.3 28.8 24.7 31.4 19.9 9.3 10.0 11.6 11.5 27.6 8.5 7.3 6.3 6.5 5.6 5.5 5.6
Short-Term Investments 36.1 47.1 417.6 439.5 412.4 295.2 240.7 241.0 254.8 314.0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 10.7 10.3 11.0 7.3 5.2 6.0 4.6 4.5 4.2 11.8 3.1 2.9 1.7 1.7 2.0 2.0 2.3 2.1 2.2 2.4 2.9 2.6 3.6 3.4
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 84.9 103.4 485.5 479.1 601.5 383.7 278.0 277.8 287.8 350.6 34.6 22.8 11.1 11.7 13.6 13.5 29.9 10.6 9.5 8.8 9.4 8.2 9.1 9.0
Non-Current Assets
Property, Plant & Equipment 21.0 21.4 21.4 17.6 17.0 16.9 15.9 16.3 16.5 17.0 12.2 12.8 11.8 10.6 11.2 11.8 10.9 5.9 6.1 6.0 4.5 4.4 4.3 4.2
Goodwill 85.8 85.8 85.8 31.4 31.4 31.4 23.3 23.3 23.3 21.1 10.3 10.3 8.6 0 0 0 0 0 0 0 0 0 0 0
Intangible Assets 2.2 2.9 3.6 1.3 1.6 1.7 1.3 1.6 2.0 2.1 0 0 1.3 1.7 2.0 2.0 2.3 0 0 0 0 0 0 0
Long-Term Investments 2,754.6 2,692.1 2,252.7 1,726.0 1,435.1 1,406.0 1,103.2 1,070.6 990.8 792.6 650.1 602.6 451.5 420.6 395.6 382.1 360.1 320.9 296.7 278.5 266.5 233.5 219.1 203.0
Other Non-Current Assets 104.6 105.0 109.0 65.2 53.2 52.0 44.5 41.1 41.6 39.7 22.3 20.3 15.1 13.1 4.0 5.0 2.6 3.3 1.3 1.6 2.4 1.0 0 0
Total Non-Current Assets 2,979.7 2,922.3 2,489.8 1,854.3 1,542.4 1,508.0 1,188.3 1,153.0 1,074.1 872.4 694.9 645.8 487.6 452.2 419.1 407.6 383.4 330.1 304.1 286.0 273.4 238.9 223.4 207.2
Total Assets 3,064.6 3,025.7 2,975.3 2,333.4 2,143.9 1,891.7 1,466.3 1,430.7 1,361.9 1,223.0 729.5 668.6 499.3 463.9 432.7 421.1 413.3 340.8 313.6 294.8 282.8 247.1 232.5 216.2
Current Liabilities
Account Payables 3.1 4.7 4.3 1.2 0.7 1.0 1.1 1.1 0.9 0.7 2.0 2.2 1.9 1.9 2.1 2.3 2.6 2.6 0 0 0 0 0 0
Short-Term Debt 15.5 24.9 30.6 0 0 62.3 0 0 0 0 0 0 17.9 15.4 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 2,377.0 2,382.0 2,321.5 1,844.2 1,836.2 1,526.6 1,211.1 1,185.2 1,104.9 1,005.5 605.6 546.7 419.1 385.7 373.1 370.5 367.8 284.3 274.2 256.8 240.2 213.3 194.5 191.0
Total Current Liabilities 2,395.6 2,411.6 2,356.4 1,845.4 1,836.9 1,589.9 1,212.2 1,186.2 1,105.8 1,006.2 607.6 548.9 438.9 403.0 375.1 372.8 370.4 286.9 276.6 259.1 242.5 215.4 196.2 192.7
Non-Current Liabilities
Long-Term Debt 294.0 272.8 271.4 257.3 74.0 88.8 85.1 91.2 114.7 79.7 54.1 61.2 17.0 19.9 17.0 13.3 11.2 25.9 7.3 6.9 15.8 8.9 16.0 3.9
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 37.0 41.5 67.8 30.5 20.5 18.7 14.2 14.1 12.4 13.9 6.2 5.7 2.6 2.5 2.1 1.7 1.2 1.0 1.1 2.9 1.6 1.5 1.4 1.3
Total Non-Current Liabilities 330.9 314.4 339.3 287.8 94.5 107.5 99.4 105.3 127.0 93.5 60.4 66.9 19.7 22.3 19.1 15.0 12.4 26.8 8.4 9.8 17.4 10.4 17.5 5.2
Total Liabilities 2,726.5 2,726.0 2,695.7 2,133.2 1,931.4 1,697.4 1,311.6 1,291.5 1,232.9 1,099.8 668.0 615.8 458.6 425.3 394.3 387.7 382.8 313.7 285.0 268.9 259.9 225.8 213.6 197.9
Stockholders' Equity
Common Stock 5.3 5.2 5.2 4.4 4.4 4.3 3.9 3.9 3.9 3.7 3.1 3.0 2.9 2.9 2.9 2.9 2.8 2.8 2.8 2.7 1.4 1.3 1.3 1.3
Retained Earnings 213.6 189.4 173.0 164.9 146.0 126.6 110.8 99.7 90.0 91.3 47.4 41.0 28.9 26.5 24.4 21.3 19.7 18.4 16.9 15.7 14.5 13.1 11.7 10.4
Accumulated Other Comprehensive Income (12.4) (23.5) (24.9) (33.1) (0.2) 2.6 (0.6) (3.9) (3.4) (1.4) 2.0 0.0 0.2 1.0 2.6 1.2 0.3 (2.1) 1.0 0.3 0.2 0.3 0 0
Total Stockholders' Equity 338.1 299.7 279.7 200.1 212.5 194.3 154.8 139.2 129.0 123.3 61.5 52.8 40.8 38.5 38.4 33.4 30.5 27.1 28.6 25.9 22.9 21.3 18.9 18.3
Total Liabilities & Equity 3,064.6 3,025.7 2,975.3 2,333.4 2,143.9 1,891.7 1,466.3 1,430.7 1,361.9 1,223.0 729.5 668.6 499.3 463.9 432.7 421.1 413.3 340.8 313.6 294.8 282.8 247.1 232.5 216.2
Debt Metrics
Total Debt 309.4 297.7 302.0 257.3 74.0 88.8 85.1 91.2 114.7 79.7 54.1 61.2 35.0 35.3 17.0 13.3 11.2 25.9 7.3 6.9 15.8 8.9 16.0 3.9
Net Debt 271.3 251.7 245.1 225.0 (109.9) 6.4 52.3 58.9 85.9 55.0 22.7 41.3 25.6 25.3 5.4 1.8 (16.4) 17.3 0.0 0.5 9.4 3.3 10.5 (1.7)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Operating Activities
Net Income 36.6 27.8 17.8 29.1 29.1 25.1 19.5 18.0 13.0 12.6 5.3 5.3 4.9 5.6 3.8 3.2 3.6 3.5 3.8 3.0 2.8 2.6 2.4
Depreciation & Amortization 0 1.8 1.5 1.0 1.1 1.1 1.0 0.4 0.2 0.3 2.0 2.4 2.5 2.1 2.2 1.2 1.1 0.8 0.6 0.4 0.4 0.4 0.4
Stock-Based Compensation 0 0.4 0.3 0.3 0.6 0.5 0.4 0.3 0.3 0.3 0 0 0 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (2.0) 1.1 0.7 (1.6) 0.5 (1.1) (0.1) (0.1) 0.1 0.1 (0.4) (0.1) 0.7 (0.6) (0.1) (0.8) 0.1 0.3 0 0 0 0 0
Other Non-Cash Items 1.9 0.2 5.6 4.4 6.7 (14.2) 0.6 3.3 0.7 2.5 0.7 (0.2) 0.7 1.2 (2.0) 0.6 0.1 0.1 1.4 0.3 0.4 0.7 (0.1)
Operating Cash Flow 36.5 33.2 26.5 33.2 38.7 11.8 21.8 21.5 15.7 16.2 7.8 7.2 8.6 8.4 3.6 3.9 4.9 4.6 5.8 3.7 3.7 3.8 2.6
Investing Activities
Capital Expenditure (1.3) (1.3) (2.6) (1.6) (1.1) (0.9) (0.5) (0.5) (0.2) (0.6) (1.3) (2.3) (0.5) (0.5) (2.1) (5.7) (1.0) 0 0 (0.2) 0 0 0
Acquisitions 0 7.2 3.4 (1.1) 0 1.0 0 0 (4.4) 0 0 (2.2) 0 0 0 0 0 0 0 0 0 0 0
Purchases of Investments 0 (98.0) (39.4) (133.2) (214.9) (152.7) (80.6) (77.9) (62.9) (59.0) (27.4) (30.4) (71.3) (32.9) (63.2) (19.8) (40.5) (59.1) (29.7) (44.1) (20.4) (24.2) (24.7)
Sales/Maturities of Investments 0 91.3 138.6 48.8 89.7 103.0 83.9 91.4 125.7 91.7 17.6 38.6 61.5 48.0 49.4 15.0 37.2 39.5 19.4 10.4 6.7 6.4 10.3
Other Investing Activities (40.1) (68.2) (40.5) (275.3) (31.9) (61.1) (35.2) (85.4) (163.6) (102.2) (23.0) (42.4) (27.7) (27.3) (6.8) (41.0) (26.0) (0.5) (1.6) (1.6) (0.5) (0.6) (0.5)
Investing Cash Flow (40.1) (69.1) 59.5 (362.5) (158.2) (110.7) (32.3) (72.4) (105.4) (70.1) (34.2) (38.6) (38.0) (12.7) (22.7) (51.5) (30.3) (20.1) (12.0) (35.5) (14.1) (18.4) (14.9)
Financing Activities
Net Debt Issuance 10.7 (25.7) 5.4 183.3 (14.9) (11.3) (6.1) (23.5) 35.0 38.0 17.7 (0.3) 18.3 3.7 2.1 (14.7) 18.5 17.9 7.7 16.7 11.7 16.0 12.1
Stock Repurchased (0.5) (0.3) (0.3) (1.3) (1.4) (2.1) (1.3) (1.5) (1.0) (3.2) (0.5) (0.0) 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid (9.5) (9.3) (8.5) (7.6) (7.4) (6.5) (6.3) (6.1) (5.2) (5.1) (2.3) (2.2) (2.1) (1.9) (1.8) (1.7) (1.6) (1.4) (1.6) (1.2) (1.1) (1.1) (1.0)
Other Financing Activities (5.0) 60.6 (56.1) 8.1 247.3 169.0 26.0 80.2 61.6 17.5 10.7 33.4 12.6 2.6 2.7 83.5 10.1 0 0 17.1 0 (0.4) 0
Financing Cash Flow (4.4) 25.3 (59.4) 182.6 223.7 149.1 12.3 49.1 90.4 47.3 25.6 30.8 27.8 4.4 3.0 66.7 26.6 16.4 6.1 32.6 10.5 14.6 11.1
Cash Position
Net Change in Cash (7.9) (10.6) 26.6 (146.6) 104.1 50.2 1.7 (1.7) 0.8 (6.6) (0.7) (0.6) (1.6) 0.1 (16.1) 19.1 1.2 1.0 (0.1) 0.9 0.1 (0.1) (1.1)
Cash at Beginning 42.2 52.8 26.2 172.8 68.7 18.5 16.8 18.5 17.8 24.4 9.3 10.0 11.6 11.5 27.6 8.5 7.3 6.3 6.5 5.6 5.5 5.6 6.7
Cash at End 34.3 42.2 52.8 26.2 172.8 68.7 18.5 16.8 18.5 17.8 8.6 9.3 10.0 11.6 11.5 27.6 8.5 7.3 6.3 6.5 5.6 5.5 5.6
Free Cash Flow 35.2 31.9 23.9 31.6 37.6 10.9 21.3 21.0 15.5 15.6 6.5 4.8 8.1 8.0 1.5 (1.8) 3.9 4.6 5.8 3.5 3.7 3.8 2.6
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993
Income Statement
Revenue 173.2 168.6 138.7 93.1 85.5 81.7 70.4 64.5 56.7 50.9 43.1 42.6 43.7 46.1 45.2 45.3 44.5 38.4 41.1 37.6 33.4 30.9 30.9 32.4 33.3 28.9 26.2 14.4 14.3 12.5 11.3 9.3 9.2
Gross Profit 109.7 98.2 86.3 80.2 76.9 71.2 56.7 53.0 48.4 44.3 37.8 37.1 36.9 38.0 34.9 32.7 30.3 24.0 23.8 22.3 22.3 21.7 21.7 21.6 18.6 14.0 13.6 2.3 2.5 1.4 1.3 1.1 1.1
Operating Income 45.1 33.7 21.5 35.5 35.3 30.4 23.3 21.4 19.1 15.7 14.3 16.9 17.1 18.5 16.4 14.7 12.5 8.1 8.5 7.3 6.9 6.7 6.2 7.4 4.5 3.9 4.6 5.0 5.5 4.3 4.0 3.8 3.3
Net Income 36.6 27.8 17.8 29.1 29.1 25.1 19.5 18.0 13.0 12.6 11.6 13.4 13.4 14.2 12.8 11.5 9.9 6.9 6.7 5.8 5.3 5.3 4.9 5.6 3.8 3.2 3.6 3.5 3.8 3.0 2.8 2.6 2.4
EPS (Diluted) 7.62 5.79 3.98 7.10 7.09 6.27 5.26 4.84 3.49 3.36 3.37 3.87 3.85 4.09 3.62 3.23 2.76 1.93 1.85 1.58 1.42 1.38 1.30 1.49 0.99 0.85 0.93 0.90 1.00 0.78 0.74 0.68 0.63
Balance Sheet
Cash & Equivalents 38.1 46.0 56.9 32.3 183.9 82.5 32.8 32.3 28.8 24.7 31.4 19.9 9.3 10.0 11.6 11.5 27.6 8.5 7.3 6.3 6.5 5.6 5.5 5.6
Total Assets 3,064.6 3,025.7 2,975.3 2,333.4 2,143.9 1,891.7 1,466.3 1,430.7 1,361.9 1,223.0 729.5 668.6 499.3 463.9 432.7 421.1 413.3 340.8 313.6 294.8 282.8 247.1 232.5 216.2
Total Debt 309.4 297.7 302.0 257.3 74.0 88.8 85.1 91.2 114.7 79.7 54.1 61.2 35.0 35.3 17.0 13.3 11.2 25.9 7.3 6.9 15.8 8.9 16.0 3.9
Stockholders' Equity 338.1 299.7 279.7 200.1 212.5 194.3 154.8 139.2 129.0 123.3 61.5 52.8 40.8 38.5 38.4 33.4 30.5 27.1 28.6 25.9 22.9 21.3 18.9 18.3
Cash Flow
Operating Cash Flow 36.5 33.2 26.5 33.2 38.7 11.8 21.8 21.5 15.7 16.2 7.8 7.2 8.6 8.4 3.6 3.9 4.9 4.6 5.8 3.7 3.7 3.8 2.6
Capital Expenditure (1.3) (1.3) (2.6) (1.6) (1.1) (0.9) (0.5) (0.5) (0.2) (0.6) (1.3) (2.3) (0.5) (0.5) (2.1) (5.7) (1.0) 0 0 (0.2) 0 0 0
Free Cash Flow 35.2 31.9 23.9 31.6 37.6 10.9 21.3 21.0 15.5 15.6 6.5 4.8 8.1 8.0 1.5 (1.8) 3.9 4.6 5.8 3.5 3.7 3.8 2.6