$CZFS
CITIZENS FINANCIAL SERVICES INC

2021 Q1 Form 10-Q Financial Statement

#000114036121016132 Filed on May 06, 2021

View on sec.gov

Income Statement

Concept 2021 Q1 2020 Q1
Revenue $18.30M $15.34M
YoY Change 19.27% 2.14%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $290.0K $150.0K
YoY Change 93.33% -16.67%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.854M $2.449M
YoY Change -24.3% -21.05%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $10.08M $5.420M
YoY Change 85.96% 3.71%
Income Tax $1.616M $889.0K
% Of Pretax Income 16.03% 16.4%
Net Earnings $8.463M $4.531M
YoY Change 86.78% 2.86%
Net Earnings / Revenue 46.26% 29.54%
Basic Earnings Per Share $2.14 $1.26
Diluted Earnings Per Share $2.14 $1.26
COMMON SHARES
Basic Shares Outstanding 3.948M 3.554M
Diluted Shares Outstanding 3.948M 3.554M

Balance Sheet

Concept 2021 Q1 2020 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments $22.17M
YoY Change
Cash & Equivalents $21.52M
Short-Term Investments $649.0K
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $17.50M $16.22M
YoY Change 7.88% -7.83%
Goodwill $31.38M $23.30M
YoY Change 34.68%
Intangibles $1.294M
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.996B $1.465B
YoY Change 36.24% 1.15%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $900.0K $900.0K
YoY Change 0.0% -18.18%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $900.0K $900.0K
YoY Change 0.0% -64.0%
LONG-TERM LIABILITIES
Long-Term Debt $86.20M $83.60M
YoY Change 3.11% -22.81%
Other Long-Term Liabilities $22.20M $15.20M
YoY Change 46.05% 18.75%
Total Long-Term Liabilities $108.4M $98.80M
YoY Change 9.72% -18.41%
TOTAL LIABILITIES
Total Short-Term Liabilities $900.0K $900.0K
Total Long-Term Liabilities $108.4M $98.80M
Total Liabilities $1.797B $1.305B
YoY Change 37.71% -0.03%
SHAREHOLDERS EQUITY
Retained Earnings $113.4M
YoY Change
Common Stock $3.939M
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost) $15.44M
YoY Change
Treasury Stock Shares $432.7K
Shareholders Equity $198.8M $159.9M
YoY Change
Total Liabilities & Shareholders Equity $1.996B $1.465B
YoY Change 36.24% 1.15%

Cashflow Statement

Concept 2021 Q1 2020 Q1
OPERATING ACTIVITIES
Net Income $8.463M $4.531M
YoY Change 86.78% 2.86%
Depreciation, Depletion And Amortization $290.0K $150.0K
YoY Change 93.33% -16.67%
Cash From Operating Activities $13.97M $4.733M
YoY Change 195.16% -0.5%
INVESTING ACTIVITIES
Capital Expenditures -$790.0K -$510.0K
YoY Change 54.9% 363.64%
Acquisitions
YoY Change
Other Investing Activities -$24.67M $9.530M
YoY Change -358.87% -162.33%
Cash From Investing Activities -$25.46M $9.026M
YoY Change -382.07% -158.61%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net $1.279M
YoY Change 287.58%
Debt Paid & Issued, Net $0.00
YoY Change -100.0%
Cash From Financing Activities 93.61M -10.76M
YoY Change -970.14% -192.11%
NET CHANGE
Cash From Operating Activities 13.97M 4.733M
Cash From Investing Activities -25.46M 9.026M
Cash From Financing Activities 93.61M -10.76M
Net Change In Cash 82.12M 3.001M
YoY Change 2636.42% 189.39%
FREE CASH FLOW
Cash From Operating Activities $13.97M $4.733M
Capital Expenditures -$790.0K -$510.0K
Free Cash Flow $14.76M $5.243M
YoY Change 181.52% 7.73%

Facts In Submission

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CITIZENS FINANCIAL SERVICES INC
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NotesReceivableNet
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6597000
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1393077000
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4727000
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1404401000
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11046000
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4875000
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1405281000
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525000
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FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
6401000
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4331000
CY2020Q4 czfs Purchased Credit Impaired Loans Non Accrual
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1389360000
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4875000
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10680000
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FinancingReceivableRecordedInvestmentNonaccrualStatus
10732000
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160000
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257000
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CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
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15305000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
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99000
CY2021Q1 us-gaap Provision For Loan And Lease Losses
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650000
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16560000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
13845000
CY2020Q1 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
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11000
CY2020Q1 us-gaap Provision For Loan And Lease Losses
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1720000
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4245000
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2549000
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4096000
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FiniteLivedIntangibleAssetsAccumulatedAmortization
2428000
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1668000
CY2021Q1 us-gaap Goodwill
Goodwill
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Goodwill
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CY2021Q1 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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CY2021Q1 us-gaap Amortization Of Intangible Assets
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121000
CY2020Q1 us-gaap Amortization Of Intangible Assets
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98000
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362000
CY2021Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
397000
CY2021Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
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311000
CY2021Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
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232000
CY2021Q1 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
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160000
CY2021Q1 czfs Finite Lived Intangible Asset Expected Amortization After Year Four
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234000
CY2021Q1 us-gaap Finite Lived Intangible Assets Net
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1696000
CY2021Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
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CY2020Q1 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
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3424000
CY2020Q1 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
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-123000
CY2020Q1 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
3547000

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