CZFS NASDAQ
Citizens Financial Services, Inc.
1W: +6.9%
1M: +5.9%
3M: +10.0%
YTD: +52.0%
1Y: +54.2%
3Y: +102.1%
5Y: +63.5%
$84.25
-0.34 (-0.40%)
After Hours: $84.29 (+0.04, +0.05%)
Weekly Expected Move ±3.0%
$80
$82
$85
$87
$90
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
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Institutions
ETF Exposure
Dark Pool
Short Interest
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Balance Sheet Trends
Total Assets
$3.1B
+1.3% ▲
5Y CAGR: +10.1%
Total Liabilities
$2.7B
+0.0% ▲
5Y CAGR: +9.9%
Shareholders Equity
$338M
+12.8% ▲
5Y CAGR: +11.7%
Cash & Investments
$479M
+414.3% ▲
5Y CAGR: +4.9%
Total Debt
$309M
+3.9% ▲
5Y CAGR: +27.7%
Net Debt
$275M
+9.3% ▲
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $184M | $32M | $57M | $46M | $34M |
| Short-Term Investments | $412M | $440M | $418M | $47M | $445M |
| Cash & ST Investments | $596M | $472M | $474M | $93M | $479M |
| Net Receivables | $5M | $7M | $11M | $10M | $11M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $601M | $479M | $486M | $103M | $490M |
| Property, Plant & Equip. | $17M | $18M | $21M | $21M | $21M |
| Goodwill & Intangibles | $33M | $33M | $89M | $89M | $88M |
| Long-Term Investments | $1.4B | $1.7B | $2.3B | $2.7B | $2.8B |
| Other Non-Current Assets | $53M | $65M | $109M | $105M | -$2.7B |
| Total Non-Current Assets | $1.5B | $1.9B | $2.5B | $2.9B | $120M |
| Total Assets | $2.1B | $2.3B | $3.0B | $3.0B | $3.1B |
| — Liabilities — | |||||
| Accounts Payable | $711K | $1M | $4M | $5M | $3M |
| Short-Term Debt | $47M | $0 | $31M | $25M | $15M |
| Deferred Revenue | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $1.8B | $1.8B | $2.3B | $2.4B | $2.4B |
| Total Current Liabilities | $1.8B | $1.8B | $2.4B | $2.4B | $2.4B |
| Long-Term Debt | $74M | $27M | $271M | $273M | $309M |
| Other Non-Current Liab. | $21M | $2.1B | $68M | $42M | $2.4B |
| Total Non-Current Liabilities | $95M | $2.1B | $339M | $314M | $2.7B |
| Total Liabilities | $1.9B | $2.1B | $2.7B | $2.7B | $2.7B |
| — Equity — | |||||
| Common Stock | $4M | $4M | $5M | $5M | $5M |
| Retained Earnings | $146M | $165M | $173M | $189M | $214M |
| Accumulated OCI | -$155K | -$33M | -$25M | -$24M | -$12M |
| Total Stockholders Equity | $212M | $200M | $280M | $300M | $338M |
| Total Liabilities & Equity | $2.1B | $2.3B | $3.0B | $3.0B | $3.1B |
| — Key Metrics — | |||||
| Total Debt | $77M | $27M | $302M | $298M | $309M |
| Net Debt | -$110M | $225M | $245M | $252M | $275M |
| Total Investments | $1.8B | $2.2B | $2.7B | $2.7B | $2.8B |