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Citizens Financial Services (CZFS)

(Real Time Quote from BATS)

$40.59 USD

40.59
1,374

+0.59 (1.48%)

Updated Apr 29, 2024 01:37 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.20%
2Buy18.04%
3Hold9.52%
4Sell5.20%
5Strong Sell2.60%
S&P50011.13%

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3-Hold of 5     3    

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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B Value F Growth A Momentum C VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Bottom 35% (163 out of 252)

Industry: Banks - Northeast

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Better trading starts here.

Balance Sheet

Research for CZFS

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

Learn more about Zacks Equity Research reports

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Fiscal Year End for Citizens Financial Services Inc falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 57 32 184 82 33
Receivables 2,239 1,714 1,429 1,395 1,106
Notes Receivable 0 0 0 0 0
Inventories 9 1 5 15 1
Other Current Assets 0 0 0 0 0
Total Current Assets 2,305 1,747 1,618 1,493 1,140
Net Property & Equipment 21 18 17 17 16
Investments & Advances 420 442 415 297 241
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 17 13 0 0 0
Intangibles 89 33 33 33 25
Deposits & Other Assets 123 82 61 52 44
Total Assets 2,975 2,333 2,144 1,892 1,466
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 0 0 0 0 0
Accounts Payable 2,321 1,844 1,836 1,589 1,211
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 4 1 1 1 1
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 2,326 1,845 1,837 1,590 1,212
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 322 257 74 89 85
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 48 31 21 19 14
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 2,696 2,133 1,931 1,697 1,312
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 0 0 0 0 0
Common Stock (Par) 5 4 4 4 4
Capital Surplus 143 81 78 76 55
Retained Earnings 173 165 146 127 111
Other Equity -25 -33 0 3 -1
Treasury Stock 17 17 16 15 14
Total Shareholder's Equity 280 200 212 194 155
Total Liabilities & Shareholder's Equity 2,975 2,333 2,144 1,892 1,466
Total Common Equity 280 200 212 194 155
Shares Outstanding 4.70 4.00 4.00 4.00 3.60
Book Value Per Share 59.50 50.04 53.12 48.57 42.99

Fiscal Year End for Citizens Financial Services Inc falls in the month of December.

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents -99,999 57 48 50 32
Receivables NA 2,239 2,235 2,150 1,715
Notes Receivable NA 0 0 0 0
Inventories NA 9 14 15 1
Other Current Assets NA 0 0 0 0
Total Current Assets NA 2,305 2,297 2,215 1,748
Net Property & Equipment NA 21 21 21 18
Investments & Advances NA 420 420 436 445
Other Non-Current Assets NA 0 0 0 0
Deferred Charges NA 17 21 20 11
Intangibles NA 89 89 89 33
Deposits & Other Assets NA 123 111 110 81
Total Assets NA 2,975 2,959 2,892 2,335
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable NA 0 0 0 0
Accounts Payable NA 2,321 2,335 2,266 1,800
Current Portion Long-Term Debt NA 0 0 0 0
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses NA 4 3 2 2
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities NA 2,326 2,338 2,268 1,801
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 322 316 318 288
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 43 42 33
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities NA 2,696 2,697 2,629 2,122
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock NA 0 0 0 0
Common Stock (Par) NA 5 5 5 4
Capital Surplus NA 143 143 143 81
Retained Earnings NA 173 168 163 172
Other Equity NA -25 -37 -31 -27
Treasury Stock NA 17 17 17 17
Total Shareholder's Equity NA 280 263 263 213
Total Liabilities & Shareholder's Equity NA 2,975 2,959 2,892 2,335
Total Common Equity 0 280 263 263 213
Shares Outstanding 4.70 4.70 4.70 4.00 4.00
Book Value Per Share 0.00 59.50 55.89 65.81 53.31