Citizens Financial Services, Inc.

NASDAQ•CZFS

CEO: Mr. Stephen J. Guillaume

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

570-662-2121

www.firstcitizensbank.com

市值

$283.53M

市盈率 (TTM)

7.8

14.5

股息率

3.3%

52周最高

$69.30

52周最低

$49.99

52周范围

47%

排名38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 4.3 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$44.48M+3.13%

近4季度走势

每股收益

$2.19+31.93%

近4季度走势

自由现金流

$15.07M+0.00%

近4季度走势

2025 Q3 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

WSBF

$201.61M

+1.1%

CBAN

$190.23M

+7.7%

FNLC

$177.61M

+7.2%

毛利率 (最新季度)

PLBC

84.6%

-6.1pp

WSBF

74.5%

+0.0pp

TSBK

72.6%

+3.4pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
CBAN	$343.89M	12.9	9.0%	0.0%
PLBC	$337.27M	11.4	13.3%	6.6%
CZNC	$333.56M	16.3	7.8%	6.2%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

1.6%

温和增长

4季度净利润复合增长率

11.2%

盈利能力稳步提升

现金流稳定性

100%

现金流表现优异

深度研究

下次财报:2026年4月28日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据