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About the company
Citizens Financial Services, Inc. is a bank holding company for First Citizens Community Bank (the Bank). 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. It 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.
- Revenue in USD (TTM)151.04m
- Net income in USD27.39m
- Incorporated1983
- Employees401.00
- LocationCitizens Financial Services Inc15 S MAIN STMANSFIELD 16933United StatesUSA
- Phone+1 (570) 662-0444
- Fax+1 (570) 662-3278
- Websitehttps://www.firstcitizensbank.com/about-us/investor-relations/corporate-profile.html
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Princeton Bancorp Inc | 112.03m | 22.35m | 241.79m | 210.00 | 10.92 | 0.9876 | 9.89 | 3.34 | 3.49 | 3.49 | 11.29 | 38.56 | -- | -- | -- | -- | 1.17 | 1.24 | -- | -- | -- | -- | 30.89 | 30.76 | -- | -- | -- | 22.48 | 32.53 | 12.55 | -2.75 | 11.87 | 12.27 | 109.13 |
| Sterling Bancorp Inc | 132.95m | 6.50m | 243.85m | 248.00 | 36.56 | 0.7421 | 31.79 | 3.96 | 0.1275 | 0.1275 | 1.21 | 6.28 | -- | -- | -- | -- | 0.2648 | 0.2152 | -- | -- | -- | -- | 10.54 | 6.75 | -- | -- | -- | 7.73 | 26.88 | -4.76 | 152.23 | -34.91 | -34.26 | -- |
| Blue Foundry Bancorp | 82.64m | -9.55m | 260.46m | 179.00 | -- | 0.7631 | -- | 6.51 | -0.4262 | -0.4262 | 1.78 | 14.70 | -- | -- | -- | -- | -0.4627 | -- | -- | -- | -- | -- | -23.87 | -- | -- | -- | -- | -- | 26.74 | -- | -408.72 | -- | -- | -- |
| MVB Financial Corp | 194.18m | 20.35m | 263.60m | 445.00 | 13.06 | 0.8887 | 10.59 | 1.83 | 1.56 | 1.56 | 11.02 | 22.94 | -- | -- | -- | -- | 0.6157 | 1.07 | -- | -- | -- | -- | 14.21 | 19.39 | -- | -- | -- | 21.75 | 50.70 | 22.16 | 81.14 | 14.29 | -6.59 | 43.95 |
| PCB Bancorp | 168.30m | 23.70m | 272.39m | 265.00 | 11.57 | 0.958 | 10.51 | 2.79 | 1.65 | 1.65 | 6.80 | 24.80 | -- | -- | -- | -- | 0.8836 | 1.39 | -- | -- | -- | -- | 24.50 | 31.91 | -- | -- | -- | 24.46 | 48.58 | 12.55 | -12.12 | 4.72 | 2.90 | 87.22 |
| Southern States Bancshares Inc | 151.12m | 31.84m | 274.63m | 181.00 | 8.77 | 1.19 | 8.24 | 3.00 | 3.51 | 3.51 | 10.10 | 25.88 | -- | -- | -- | -- | 1.31 | 1.20 | -- | -- | -- | -- | 34.80 | 29.38 | -- | -- | -- | 9.71 | 59.64 | 28.88 | 18.03 | 32.88 | -3.27 | -- |
| Citizens Financial Services Inc | 151.04m | 27.39m | 275.65m | 401.00 | 10.04 | 0.9621 | 9.30 | 2.70 | 5.77 | 5.77 | 21.47 | 60.19 | -- | -- | -- | -- | 0.938 | 1.20 | -- | -- | -- | -- | 26.86 | 31.39 | -- | -- | -- | 30.13 | 52.50 | 17.50 | -38.71 | -0.2485 | 39.24 | 3.33 |
| Colony Bankcorp Inc | 132.43m | 22.21m | 278.71m | 460.00 | 12.53 | 1.05 | 9.10 | 2.45 | 1.26 | 1.26 | 6.47 | 15.09 | -- | -- | -- | -- | 0.7271 | 0.7412 | -- | -- | -- | -- | 19.56 | 17.32 | -- | -- | -- | 31.52 | 36.47 | 20.57 | 11.28 | 12.78 | 5.54 | 17.08 |
| Ponce Financial Group Inc | 146.91m | 8.64m | 282.41m | 227.00 | 30.73 | 1.04 | 21.48 | 3.47 | 0.386 | 0.386 | 3.63 | 20.90 | -- | -- | -- | -- | 0.3161 | -0.0303 | -- | -- | -- | -- | 10.71 | -0.7414 | -- | -- | -- | -- | 52.10 | 22.22 | 111.17 | 4.60 | -41.02 | -- |
| Civista Bancshares Inc | 198.58m | 32.22m | 285.00m | 538.00 | 8.57 | 0.7624 | 6.14 | 1.85 | 2.11 | 2.11 | 10.06 | 23.75 | -- | -- | -- | -- | 0.8775 | 1.28 | -- | -- | -- | -- | 21.78 | 28.89 | -- | -- | -- | 21.40 | 44.85 | 19.92 | 6.30 | 25.71 | 18.43 | 7.99 |
| HomeStreet Inc | 405.65m | -14.86m | 288.52m | 849.00 | -- | 0.5547 | -- | 1.60 | -0.788 | -0.788 | 9.55 | 27.58 | -- | -- | -- | -- | -0.1584 | 0.7085 | -- | -- | -- | -- | -8.26 | 18.82 | -- | -- | -- | 26.99 | 31.37 | 9.71 | -141.34 | -- | -17.09 | -- |
| Pioneer Bancorp Inc | 83.84m | 15.84m | 289.65m | 243.00 | 17.74 | 1.00 | 15.70 | 3.84 | 0.6284 | 0.6284 | 2.99 | 11.12 | -- | -- | -- | -- | 0.8235 | 0.5433 | -- | -- | -- | -- | 21.00 | 14.04 | -- | -- | -- | -- | 62.02 | 8.85 | 113.52 | 11.56 | -43.76 | -- |
| First of Long Island Corp | 165.38m | 22.09m | 304.40m | 288.00 | 13.84 | 0.8087 | 12.06 | 3.45 | 0.9759 | 0.9759 | 3.90 | 16.71 | -- | -- | -- | -- | 0.5229 | 0.9589 | -- | -- | -- | -- | 25.03 | 35.10 | -- | -- | -- | 45.59 | 15.85 | 2.38 | -44.09 | -8.74 | -12.83 | 6.26 |
| First Internet Bancorp | 268.41m | 18.51m | 309.62m | 287.00 | 16.82 | 0.8324 | 12.29 | 2.73 | 2.12 | 2.12 | 13.01 | 42.91 | -- | -- | -- | -- | 0.3597 | 0.6841 | -- | -- | -- | -- | 16.32 | 28.26 | -- | -- | -- | 7.95 | 52.60 | 15.70 | -76.32 | -17.41 | 19.32 | 0.00 |
| USCB Financial Holdings Inc | 117.86m | 17.36m | 310.01m | 196.00 | 17.90 | 1.54 | 17.28 | 4.43 | 0.8829 | 0.8829 | 3.56 | 10.24 | -- | -- | -- | -- | 0.7413 | -- | -- | -- | -- | -- | 24.79 | -- | -- | -- | -- | -- | 42.08 | -- | -17.85 | -- | -- | -- |
| Citizens & Northern Corporation | 121.02m | 23.10m | 310.93m | 404.00 | 13.30 | 1.18 | 12.07 | 2.98 | 1.52 | 1.52 | 6.87 | 17.12 | -- | -- | -- | -- | 0.9191 | 1.13 | -- | -- | -- | -- | 22.28 | 24.90 | -- | -- | -- | 70.50 | 22.51 | 17.66 | -9.17 | 1.81 | 14.18 | 0.73 |
Data as of Sep 20 2024. Currency figures normalised to Citizens Financial Services Inc's reporting currency: US Dollar USD
19.18%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Jun 2024 | 279.32k | 5.87% |
| The Vanguard Group, Inc.as of 30 Jun 2024 | 230.56k | 4.84% |
| Geode Capital Management LLCas of 30 Jun 2024 | 101.29k | 2.13% |
| Citizens & Northern Investment Managementas of 30 Jun 2024 | 88.35k | 1.86% |
| SSgA Funds Management, Inc.as of 30 Jun 2024 | 70.48k | 1.48% |
| Hudock, Inc.as of 30 Jun 2024 | 41.03k | 0.86% |
| Charles Schwab Investment Management, Inc.as of 30 Jun 2024 | 35.48k | 0.75% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Jun 2024 | 34.19k | 0.72% |
| Invesco Capital Management LLCas of 30 Jun 2024 | 16.92k | 0.36% |
| De Lisle Partners LLPas of 30 Jun 2024 | 15.20k | 0.32% |
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Data from 30 Jun 2024 - 30 Jun 2024Source: FactSet Research Systems Inc.
