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
Dividends
Analysis
Technicals
Weather
Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Cash Flow Trends
Operating Cash Flow
$37M
+10.1% ▲
5Y CAGR: +25.3%
Capital Expenditures
$1M
+1.4% ▲
5Y CAGR: +6.6%
Free Cash Flow
$35M
+10.6% ▲
5Y CAGR: +26.5%
Dividends Paid
$10M
-2.6% ▼
Buybacks
$545K
-104.9% ▼
Net Change in Cash
-$8M
+25.5% ▲
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Operating Activities — | |||||
| Net Income | $29M | $29M | $18M | $28M | $37M |
| Depreciation & Amort. | $1M | $1M | $2M | $2M | $0 |
| Stock-Based Comp. | $614K | $336K | $309K | $412K | $0 |
| Change in Working Capital | $458K | -$2M | $696K | $1M | -$2M |
| Other Non-Cash Items | $7M | $4M | $6M | $244K | $2M |
| Operating Cash Flow | $39M | $33M | $27M | $33M | $37M |
| — Investing Activities — | |||||
| Capital Expenditures | -$1M | -$2M | -$3M | -$1M | $0 |
| Acquisitions (Net) | $0 | -$1M | $3M | $7M | $0 |
| Investment Purchases | -$215M | -$133M | -$39M | -$98M | $0 |
| Investment Sales | $90M | $49M | $139M | $91M | $0 |
| Other Investing | -$32M | -$275M | -$41M | -$68M | -$40M |
| Investing Cash Flow | -$158M | -$362M | $59M | -$69M | -$40M |
| — Financing Activities — | |||||
| Net Debt Issuance | -$15M | $183M | $5M | -$26M | $11M |
| Stock Repurchased | -$1M | -$1M | -$265K | -$266K | -$545K |
| Dividends Paid | -$7M | -$8M | -$9M | -$9M | -$10M |
| Other Financing | $247M | $8M | -$56M | $61M | -$5M |
| Financing Cash Flow | $224M | $183M | -$59M | $25M | -$4M |
| Net Change in Cash | $104M | -$147M | $27M | -$11M | -$8M |
| Cash End of Period | $173M | $26M | $53M | $42M | $34M |
| Free Cash Flow | $38M | $32M | $24M | $32M | $35M |