Citizens Financial Services, Inc.

NASDAQ•CZFS

CEO: Mr. Stephen J. Guillaume

セクター: Financial Services

業種: Banks - Regional

上場日: 1999-01-04

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.

連絡先情報

15 South Main Street, Mansfield, PA, 16933, United States

570-662-2121

www.firstcitizensbank.com

時価総額

$305.59M

PER (TTM)

7.8

23.4

配当利回り

3.1%

52週高値

$69.58

52週安値

$49.99

52週レンジ

69%

順位38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q1 2026 データ

売上高

$43.77M+0.00%

直近4四半期の推移

EPS

$2.16+0.00%

直近4四半期の推移

フリーCF

$17.89M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Surges 31.5% Net income reached $36.57M in 2025, a significant increase from $27.82M in 2024, driven by improved net interest income performance.

NIM Expansion and NII Growth Tax-equivalent Net Interest Income grew 13.3% to $99.11M as the Net Interest Spread expanded 37 basis points to 3.50%.

Loan Portfolio Growth Slows Total net loans increased 1.6% to $2.33B, primarily driven by real estate and other commercial lending activities during the year.

Capital Adequacy Improves The Bank's leverage ratio under the CBLR framework improved to 9.54% in 2025, maintaining its status as 'well-capitalized' per regulatory standards.

リスク要因

Rising Non-Performing Loans Non-performing loans increased 3.3% to $26.83M; the allowance for credit losses coverage ratio slightly tightened to 0.97% of total loans.

Interest Rate Sensitivity Exposure Liabilities reprice faster than assets, causing potential NIM contraction if interest rates rise rapidly or the yield curve flattens unexpectedly.

Deposit Competition Pressures Total deposits decreased slightly by 0.2% to $2.38B, reflecting ongoing competitive pressure to maintain funding volumes and pricing.

Commercial Real Estate Concentration High concentration in CRE loans (51.8% of portfolio) exposes earnings to adverse economic conditions in regional real estate markets.

見通し

Yield Improvement Strategy Management seeks to improve investment portfolio yield by replacing lower-yielding assets while closely monitoring interest rate risk exposure.

Credit Quality Monitoring Focus Underwriting remains disciplined, with specific focus on CRE and agricultural sectors, adjusting provisions based on economic forecasts.

Dividend Policy Constraints Future dividend payments are contingent upon the Bank's retained earnings and adherence to Federal Reserve capital distribution policies.

Cybersecurity Program Evolution The layered defensive cybersecurity strategy is continually reviewed and enhanced to mitigate risks from external threat events and misuse.

同業比較

売上高 (TTM)

WSBF

$206.92M

+5.5%

CBAN

$197.97M

+11.0%

LNKB

$175.41M

+4.7%

粗利益率 (最新四半期)

PLBC

88.0%

-6.1pp

WSBF

71.9%

+0.0pp

TSBK

71.4%

+3.4pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
CZNC	$377.50M	21.4	5.5%	6.1%
PKBK	$372.92M	8.8	13.0%	6.9%
PLBC	$366.94M	11.4	13.3%	6.6%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

1.1%

緩やかな成長

4四半期純利益CAGR

7.0%

収益性の着実な向上

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年7月29日

EPS:$1.98

売上高:$29.30M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし