Citizens Financial Services, Inc.

NASDAQ•CZFS

執行長: Mr. Stephen J. Guillaume

板塊: Financial Services

行業: 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.

聯絡資訊

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

570-662-2121

www.firstcitizensbank.com

市值

$292.28M

本益比 (TTM)

8.0

14.6

股息率

3.3%

52周最高

$69.30

52周最低

$49.99

52周範圍

56%

排名38Top 36.9%

4.3

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.3 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$44.48M+3.13%

近4季度走勢

每股收益

$2.19+31.93%

近4季度走勢

自由現金流

$0.00+0.00%

近4季度走勢

2025 Q3 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
CBAN	$350.65M	13.1	9.0%	0.0%
PLBC	$347.08M	11.7	13.3%	6.6%
CZNC	$342.47M	16.8	7.8%	6.0%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

1.6%

溫和增長

4季度淨利複合增長率

11.2%

盈利能力逐步提升

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年4月28日

每股收益:-

營業收入:-

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