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Citizens Financial Services, Inc.

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
$308.33M
PER (TTM)
8.4
14.8
配当利回り
3.1%
52週高値
$69.30
52週安値
$49.99
52週レンジ
73%
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

Q4 2025 データ

売上高

$44.48M+3.13%
直近4四半期の推移

EPS

$2.19+31.93%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Surge Reported Nine-month net income reached $26.09M, marking a 31.5% increase from $19.84M, primarily driven by improved net interest income performance.
NII Growth and Margin Expansion Tax-equivalent NII grew 12.9% to $71.79M; NIM expanded to 3.44% (vs 3.09% prior year) due to lower interest-bearing liability costs.
Asset Quality Shows Improvement The NPL ratio decreased to 0.88% of total loans, supported by a $712K reduction in the provision for credit losses year-over-year.
Loan Portfolio Expansion Total loans increased by $22.1M, with commercial loans growing 5.3% to $1.18B, reflecting successful integration of recent acquisitions.

リスク要因

Interest Rate Shock Exposure Rate shock analysis indicates potential NII volatility; a 400 basis point drop could cause a prospective 12.04% decline in net interest income.
Capital Adequacy Monitoring The CBLR leverage ratio improved to 9.44% (from 8.99% at year-end 2024), but maintaining the 'well-capitalized' threshold remains critical.
Deposit Competition Pressures Management notes continued customer fund transfers to higher-yielding alternatives, evidenced by a decrease in brokered deposits to $60.0M.
Credit Loss Uncertainty Ahead Future allowance adjustments may be necessary if economic downturns cause substantial increases in non-performing assets and subsequent charge-offs.

見通し

Liquidity Management Strategy The Company maintains sufficient liquidity via core deposits and investment portfolio management to meet obligations and fund capital needs.
Non-Interest Expense Control Salaries and benefits expense rose 1.9% despite a 3.1% reduction in FTE headcount, reflecting merit increases offsetting headcount savings.
Investment Strategy Focus Strategy focuses on utilizing cash flows to repurchase mortgage-backed securities, actively managing interest rate risk exposure in various environments.
Regulatory Compliance Adaptation The Company is evaluating the impact of new accounting guidance, including ASU 2024-03 regarding expense disaggregation disclosures.

同業比較

売上高 (TTM)

Colony Bankcorp, Inc.CBAN
$190.23M
+7.7%
The First Bancorp, Inc.FNLC
$177.61M
+7.2%
Waterstone Financial, Inc.WSBF
$177.41M
-11.0%

粗利益率 (最新四半期)

Plumas BancorpPLBC
84.6%
-6.1pp
Timberland Bancorp, Inc.TSBK
72.6%
+3.4pp
Colony Bankcorp, Inc.CBAN
71.3%
+6.3pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
PLBC$366.45M12.413.3%0.9%
CBAN$365.23M13.69.0%0.0%
CZNC$364.72M17.97.8%6.4%

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
1.6%
緩やかな成長
4四半期純利益CAGR
11.2%
収益性の着実な向上
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月28日
|
EPS:-
|
売上高:-
財務レポート
財務データ
ニュース
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月6日|
    売上高: $44.11M+3.9%
    |
    EPS: $2.09+33.1%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月7日|
    売上高: $42.41M+2.9%
    |
    EPS: $1.76+60.0%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月8日|
    売上高: $42.44M+1.5%
    |
    EPS: $1.59+8.9%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月6日|
    売上高: $168.62M+21.5%
    |
    EPS: $5.80+45.7%
    予想を上回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月7日|
    売上高: $42.44M+5.2%
    |
    EPS: $1.57-1.3%
    予想を上回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月8日|
    売上高: $41.24M+41.8%
    |
    EPS: $1.10-210.0%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月9日|
    売上高: $41.80M+53.2%
    |
    EPS: $1.46-14.6%
    予想を下回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月7日|
    売上高: $138.72M+49.0%
    |
    EPS: $3.98-43.9%
    予想を下回る