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

$328.57M

市盈率 (TTM)

9.0

15.6

股息率

2.9%

52周最高

$69.30

52周最低

$49.99

52周范围

95%

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 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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

88.0%

-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
CZNC	$425.01M	17.9	7.8%	6.2%
CBAN	$378.04M	14.1	9.0%	7.2%
PLBC	$364.65M	11.3	13.3%	6.6%

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