Financial Snapshot

Revenue
$7.313M
TTM
Gross Margin
Net Earnings
$27.38M
TTM
Current Assets
Current Liabilities
$5.549M
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$298.7M
Q3 2024
Cash
Q3 2024
P/E
12.03
Nov 29, 2024 EST
Free Cash Flow
$32.15M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 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 $8.972M $8.587M $73.22M $70.30M $61.98M $56.76M $48.09M
YoY Change 4.48% -88.27% 4.16% 13.42% 9.2% 18.02%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 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 $8.972M $8.587M $73.22M $70.30M $61.98M $56.76M $48.09M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 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
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.147M $877.0K $922.0K $921.0K $784.0K $751.0K $776.0K $320.0K $460.0K $470.0K $430.0K $420.0K $470.0K $460.0K $650.0K $640.0K $740.0K $900.0K $1.330M $1.440M $1.360M $1.450M $1.970M $1.000M $780.0K $760.0K $590.0K $440.0K $410.0K $440.0K $440.0K
YoY Change 30.79% -4.88% 0.11% 17.47% 4.39% -3.22% 142.5% -30.43% -2.13% 9.3% 2.38% -10.64% 2.17% -29.23% 1.56% -13.51% -17.78% -32.33% -7.64% 5.88% -6.21% -26.4% 97.0% 28.21% 2.63% 28.81% 34.09% 7.32% -6.82% 0.0% 0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 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
Interest Expense $46.86M $11.22M $7.105M $8.105M $12.04M $9.574M $5.839M
YoY Change 317.52% 57.96% -12.34% -32.68% 25.76% 63.97%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 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
Pretax Income $21.52M $35.50M $35.32M $30.37M $23.31M $21.44M $19.06M $15.67M $14.35M $16.94M $17.13M $18.55M $16.44M $14.66M $12.55M $8.130M $8.510M $7.260M $6.940M $6.740M $6.170M $7.360M $4.520M $3.850M $4.600M $5.030M $5.510M $4.310M $4.000M $3.780M $3.330M
YoY Change -39.39% 0.5% 16.3% 30.27% 8.74% 12.49% 21.61% 9.2% -15.29% -1.11% -7.65% 12.83% 12.14% 16.81% 54.37% -4.47% 17.22% 4.61% 2.97% 9.24% -16.17% 62.83% 17.4% -16.3% -8.55% -8.71% 27.84% 7.75% 5.82% 13.51% 8.47%
Income Tax $3.704M $6.435M $6.199M $5.263M $3.820M $3.403M $6.031M $3.030M $2.720M $3.560M $3.750M $4.330M $3.610M $3.160M $2.680M $1.220M $1.770M $1.460M $1.670M $1.470M $1.290M $1.760M $770.0K $640.0K $1.040M $1.400M $1.670M $1.310M $1.160M $1.160M $910.0K
% Of Pretax Income 17.22% 18.13% 17.55% 17.33% 16.39% 15.87% 31.65% 19.34% 18.95% 21.02% 21.89% 23.34% 21.96% 21.56% 21.35% 15.01% 20.8% 20.11% 24.06% 21.81% 20.91% 23.91% 17.04% 16.62% 22.61% 27.83% 30.31% 30.39% 29.0% 30.69% 27.33%
Net Earnings $17.81M $29.06M $29.12M $25.10M $19.49M $18.03M $13.03M $12.64M $11.63M $13.39M $13.38M $14.22M $12.83M $11.50M $9.860M $6.910M $6.740M $5.800M $5.270M $5.270M $4.880M $5.600M $3.760M $3.210M $3.550M $3.490M $3.830M $3.000M $2.830M $2.630M $2.420M
YoY Change -38.71% -0.2% 15.99% 28.8% 8.07% 38.46% 3.05% 8.68% -13.14% 0.07% -5.91% 10.83% 11.57% 16.63% 42.69% 2.52% 16.21% 10.06% 0.0% 7.99% -12.86% 48.94% 17.13% -9.58% 1.72% -8.88% 27.67% 6.01% 7.6% 8.68% 7.56%
Net Earnings / Revenue 198.52% 338.42% 39.77% 35.71% 31.45% 31.77% 27.08%
Basic Earnings Per Share $4.06 $7.32 $7.38 $6.53 $5.42 $5.04 $3.67
Diluted Earnings Per Share $4.06 $7.32 $7.38 $6.53 $5.41 $5.04 $3.67 $3.463M $3.472M $3.997M $3.970M $4.170M $3.730M $3.333M $2.875M $2.009M $1.948M $1.657M $1.485M $1.472M $1.356M $1.547M $1.039M $886.7K $964.7K $945.8K $1.046M $819.7K $773.2K $718.6K $661.2K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 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
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $21.38M $17.62M $20.30M $19.20M $17.10M $16.30M $16.50M $17.00M $17.30M $12.40M $11.10M $11.50M $11.70M $12.50M $12.20M $12.80M $12.50M $12.90M $12.30M $11.80M $10.60M $11.20M $11.80M $10.90M $5.900M $5.600M $5.800M $4.300M $4.200M $4.100M $4.000M
YoY Change 21.37% -13.21% 5.73% 12.28% 4.91% -1.21% -2.94% -1.73% 39.52% 11.71% -3.48% -1.71% -6.4% 2.46% -4.69% 2.4% -3.1% 4.88% 4.24% 11.32% -5.36% -5.08% 8.26% 84.75% 5.36% -3.45% 34.88% 2.38% 2.44% 2.5%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $17.34M $12.89M $3.100M $2.500M $3.700M $3.500M $0.00 $1.500M
YoY Change 34.56% 24.0% -32.43% 5.71% -100.0%
Total Long-Term Assets
YoY Change
Total Assets $2.975B $2.333B $2.144B $1.892B $1.466B $1.431B $1.362B $1.223B $1.163B $925.0M $914.9M $882.4M $878.6M $812.5M $729.5M $668.6M $591.0M $572.2M $529.2M $499.3M $463.9M $432.7M $421.1M $413.3M $340.8M $313.6M $294.8M $282.8M $247.1M $232.5M $216.2M
YoY Change
Accounts Payable $4.298M $1.232M $700.0K $1.000M $1.100M $1.100M $900.0K $700.0K $700.0K $800.0K $900.0K
YoY Change 248.86% 76.0% -30.0% -9.09% 0.0% 22.22% 28.57% 0.0% -12.5% -11.11%
Accrued Expenses $11.19M $5.016M $3.300M $2.300M $1.200M $1.100M $1.500M $1.800M $2.000M $2.200M $2.200M $2.300M $1.900M $1.900M $1.900M $2.100M $2.300M $2.600M $2.600M $2.400M $2.300M $2.300M $2.100M $1.700M $1.700M
YoY Change 123.05% 52.0% 43.48% 91.67% -26.67% -16.67% -10.0% -9.09% 0.0% -4.35% 21.05% 0.0% 0.0% -9.52% -8.7% -11.54% 0.0% 8.33% 4.35% 0.0% 9.52% 23.53% 0.0%
Deferred Revenue
YoY Change
Short-Term Debt $18.04M $17.78M $16.90M $14.80M $11.30M $18.00M $15.00M $14.30M $16.00M $5.900M $7.300M $8.600M $11.40M $9.500M $7.600M $7.300M $6.600M $7.600M $10.40M $8.500M $7.600M $8.300M $9.100M $3.400M $4.000M $4.800M $5.000M $5.300M $4.800M $3.900M
YoY Change 1.5% 5.18% 14.19% 30.97% -37.22% 20.0% 4.9% -10.63% 171.19% -19.18% -15.12% -24.56% 20.0% 25.0% 10.61% -13.16% -26.92% 22.35% 11.84% -8.43% -8.79% 167.65% -15.0% -16.67% -4.0% -5.66% 10.42% 23.08%
Long-Term Debt Due $46.80M $27.50M $9.500M $8.500M $9.500M $7.500M
YoY Change 70.18% 189.47% 11.76% -10.53%
Total Short-Term Liabilities $4.298M $1.232M $4.000M $50.10M $29.80M $10.60M $9.400M $10.20M $700.0K $800.0K $8.400M $1.100M $1.500M $1.800M $2.000M $2.200M $2.200M $2.300M $1.900M $1.900M $1.900M $2.100M $2.300M $2.600M $2.600M $2.400M $2.300M $2.900M $2.700M $2.200M $2.200M
YoY Change 248.86% -69.2% -92.02% 68.12% 181.13% 12.77% -7.84% 1357.14% -12.5% -90.48% 663.64% -26.67% -16.67% -10.0% -9.09% 0.0% -4.35% 21.05% 0.0% 0.0% -9.52% -8.7% -11.54% 0.0% 8.33% 4.35% -20.69% 7.41% 22.73% 0.0%
Long-Term Debt $322.0M $257.3M $17.40M $27.20M $21.50M $11.50M $13.50M $14.50M $24.00M $19.30M $9.200M $37.50M $42.50M $46.50M $46.50M $61.20M $59.20M $23.50M $23.10M $17.50M $25.60M $2.000M $2.000M $100.0K $100.0K $200.0K $200.0K $0.00 $0.00 $1.900M $0.00
YoY Change 25.17% 1378.61% -36.03% 26.51% 86.96% -14.81% -6.9% -39.58% 24.35% 109.78% -75.47% -11.76% -8.6% 0.0% -24.02% 3.38% 151.91% 1.73% 32.0% -31.64% 1180.0% 0.0% 1900.0% 0.0% -50.0% 0.0% -100.0%
Other Long-Term Liabilities $47.84M $30.53M $17.30M $16.40M $13.10M $14.10M $12.40M $13.90M $12.80M $8.000M $6.700M $5.300M $4.700M $1.900M $2.600M $5.700M $3.900M $4.100M $3.300M $2.600M $2.500M $2.100M $1.700M $1.200M $1.000M $1.100M $2.900M $1.000M $900.0K $900.0K $800.0K
YoY Change 56.71% 76.46% 5.49% 25.19% -7.09% 13.71% -10.79% 8.59% 60.0% 19.4% 26.42% 12.77% 147.37% -26.92% -54.39% 46.15% -4.88% 24.24% 26.92% 4.0% 19.05% 23.53% 41.67% 20.0% -9.09% -62.07% 190.0% 11.11% 0.0% 12.5%
Total Long-Term Liabilities $369.9M $287.8M $34.70M $43.60M $34.60M $25.60M $25.90M $28.40M $36.80M $27.30M $15.90M $42.80M $47.20M $48.40M $49.10M $66.90M $63.10M $27.60M $26.40M $20.10M $28.10M $4.100M $3.700M $1.300M $1.100M $1.300M $3.100M $1.000M $900.0K $2.800M $800.0K
YoY Change 28.52% 729.41% -20.41% 26.01% 35.16% -1.16% -8.8% -22.83% 34.8% 71.7% -62.85% -9.32% -2.48% -1.43% -26.61% 6.02% 128.62% 4.55% 31.34% -28.47% 585.37% 10.81% 184.62% 18.18% -15.38% -58.06% 210.0% 11.11% -67.86% 250.0%
Total Liabilities $2.696B $2.133B $1.931B $1.697B $1.312B $1.292B $1.233B $1.100B $1.043B $824.5M $822.9M $793.0M $797.1M $743.8M $668.0M $615.8M $542.5M $528.7M $487.7M $458.6M $425.3M $394.3M $387.7M $382.8M $313.7M $285.0M $268.9M $259.9M $225.8M $213.6M $197.9M
YoY Change 26.36% 10.45% 13.79% 29.41% 1.56% 4.75% 12.1% 5.43% 26.53% 0.19% 3.77% -0.51% 7.17% 11.35% 8.48% 13.51% 2.61% 8.41% 6.35% 7.83% 7.86% 1.7% 1.28% 22.03% 10.07% 5.99% 3.46% 15.1% 5.71% 7.93%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 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
Basic Shares Outstanding 4.383M 3.970M 3.945M 3.844M 3.598M 3.578M 3.550M
Diluted Shares Outstanding 4.383M 3.970M 3.945M 3.846M 3.600M 3.580M 3.552M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $329.23 Million

About CITIZENS FINANCIAL SERVICES INC

Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company is headquartered in Mansfield Pennsylvania, Pennsylvania and currently employs 401 full-time employees. The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; residential, commercial, and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services. The Bank operates 39 full-service offices, one limited branch office, and four mortgage centers in its market areas. The company is engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank and the Banks subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.

Industry: State Commercial Banks Peers: FIRST BUSINESS FINANCIAL SERVICES, INC. FVCBankcorp, Inc. PCB BANCORP PCSB Financial Corp PNC FINANCIAL SERVICES GROUP, INC. USCB FINANCIAL HOLDINGS, INC. UNITY BANCORP INC /NJ/