C
Citizens Financial Services, Inc. (CZFS)
82.96
+0.67 (0.81%)
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82.96
+0.67 (0.81%)
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There are no news for this stock.
Cash reserves $0.0 barely cover the upcoming debt maturities $394.0M
Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity
Debt-to-equity ratio (1.1) is near the industry average, reflecting balanced leverage
The company has no interest-bearing debt, showcasing excellent financial strength
The company generates positive free cash flow $3.5M, supporting its financial health
| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| Current ratio | 0.04 | 2.82 | 1.0 | |
| Quick ratio | N/A | 2.82 | 1.0 | |
| Debt to Equity | 1.12 | 0.05 | 6.0 | |
| Debt to Assets | 0.12 | 0.09 | 8.0 | |
| Interest coverage | N/A | N/A | 10 | |
| Weighted average score | 5.2 | |||
| METRIC | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Total Revenue | 93M | 139M | 170M | 173M | 176M |
| Gross Profit | N/A | N/A | N/A | N/A | N/A |
| Operating Income | 35M | 31M | 34M | 45M | 50M |
| Net Income | 29M | 18M | 28M | 37M | 41M |
| EBITDA | N/A | N/A | N/A | N/A | N/A |
| NAME | REVENUE GROWTH | EPS GROWTH | SCORE |
|---|---|---|---|
| Current quarter | N/A | 5.26 | 3.0 |
| Next quarter | N/A | 2.28 | 2.0 |
| Current year | N/A | 14.17 | 4.5 |
| Next year | N/A | 1.26 | 2.0 |
| Weighted average score | 2.9 | ||
| NAME | REVENUE | NET INCOME | EPS | FCF | SCORE |
|---|---|---|---|---|---|
| Q/Q | -1.01 | -1.81 | -1.84 | -75.08 | 1.0 |
| Y/Y | 2.32 | 20.37 | 20.45 | -75.26 | 6.0 |
| 3y average | 24.47 | 16.32 | 11.2 | 9.97 | 8.0 |
| 5y average | 17.5 | 12.95 | 9.43 | 9.79 | 7.3 |
| Weighted average score | 5.6 | ||||
| NAME | CURRENT | INDUSTRY | SCORE |
|---|---|---|---|
| Dividend yield | 3.30 | 3.30 | 8.0 |
| Payout ratio | 26.94 | 26.94 | 4.0 |
| 5-year dividend growth rate | N/A | N/A | 1.0 |
| Years of dividend increase | 3.00 | 3.00 | 3.0 |
| Weighted average score | 5.0 | ||
| NAME | SCALE | SCORE |
|---|---|---|
| Market share | None | 1.0 |
| Intangible assets | None | 1.0 |
| Switching costs | None | 1.0 |
| Network effect | None | 1.0 |
| Economies of scale | None | 1.0 |
| Weighted average score | 1.0 | |