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

$311.51M

本益比 (TTM)

8.5

15.5

股息率

3.1%

52周最高

$69.30

52周最低

$49.99

52周範圍

77%

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

$15.07M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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)

WSBF

74.5%

+0.0pp

TSBK

72.6%

+3.4pp

CBAN

71.3%

+6.3pp

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
CZNC	$414.98M	17.5	7.8%	6.2%
CBAN	$369.86M	13.8	9.0%	7.2%
PLBC	$360.88M	16.1	9.3%	6.6%

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

100%

現金流表現優異

深度研究

下次財報:2026年4月28日

每股收益:-

營業收入:-

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

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