Citizens Financial Services, Inc.

CZFS

CZFSCitizens Financial Services, Inc. US flag

NASDAQ Capital Market

62.65

USD

-1.75

- -

301.03MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	36	38	37	38	38	46	51	55	58	74	78	82	92	101	112
+ Sales & Services Revenue	36	38	37	38	38	46	51	55	58	74	78	82	92	101	112
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	11	11	12	12	13	17	18	20	21	25	26	29	36	41	41
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-11	-11	-12	-12	-13	-17	-18	-20	-21	-25	-26	-29	-36	-41	-41
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-16	-19	-17	-17	-14	-16	-19	-21	-23	-30	-35	-35	-22	-34	-45
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-16	-19	-17	-17	-14	-16	-19	-21	-23	-30	-35	-35	-22	-34	-45
Pretax Income	16	19	17	17	14	16	19	21	23	30	35	35	22	34	45
- Income Tax Expense (Benefit)	4	4	4	4	3	3	6	3	4	5	6	6	4	6	9
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	13	14	13	13	12	13	13	18	19	25	29	29	18	28	37
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	13	14	13	13	12	13	13	18	19	25	29	29	18	28	37
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	13	14	13	13	12	13	13	18	19	25	29	29	18	28	37
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	13	14	13	13	12	13	13	18	19	25	29	29	18	28	37
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	2	2	2
EBITDA Margin (%)	1.32	1.09	1.15	1.25	1.21	0.7	0.39	0.7	1.79	1.55	1.42	1.26	1.65	1.79	1.87
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	36.12	37.02	35.82	35.51	30.39	27.56	25.58	32.84	33.42	34.1	37.13	35.49	19.39	27.61	32.55
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.88	1.3	1.01	1.75	1.48	1.34	1.37	1.63	1.69	1.63	1.8	1.86	1.9	1.94	1.99
Depreciation Expense	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	2	2	2
Basic Weighted Avg Shares	4	4	4	3	3	4	4	4	4	4	4	4	4	5	5
Basic EPS, GAAP	3.58	4.01	3.81	3.84	3.34	3.33	3.46	4.8	5.21	6.28	7.09	7.11	3.98	5.8	7.62
Basic EPS from Cont Ops	3.58	4.01	3.81	3.84	3.34	3.33	3.46	4.8	5.21	6.28	7.09	7.11	3.98	5.8	7.62
Diluted Weighted Avg Shares	4	4	4	3	3	4	4	4	4	4	4	4	4	5	5
Diluted EPS, GAAP	3.58	4.01	3.81	3.83	3.34	3.32	3.45	4.8	5.21	6.27	7.09	7.11	3.98	5.79	7.62
Diluted EPS from Cont Ops	3.58	4.01	3.81	3.83	3.34	3.32	3.45	4.8	5.21	6.27	7.09	7.11	3.98	5.79	7.62

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	349	337	330	324	392	339	284	273	273	378	596	472	474	472	74
+ Cash & Cash Equivalents	30	26	13	17	32	25	29	32	33	82	184	32	57	46	38
+ ST Investments	319	310	317	306	360	314	255	241	241	295	412	440	418	426	36
+ Accounts & Notes Receiv	4	4	4	4	4	12	4	4	5	6	5	7	11	10	11
+ Accounts Receivable, Net	4	4	4	4	4	4	4	4	5	6	5	7	11	10	11
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	8	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-353	-340	-334	-327	-396	-351	-288	-278	-278	-384	-601	-479	-486	-482	-85
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	12	12	11	12	17	17	17	16	16	17	17	18	21	21	21
+ Property, Plant & Equip	22	22	22	24	29	29	29	30	30	32	33	34	39	40	40
- Accumulated Depreciation	10	11	11	11	12	12	13	13	14	15	16	17	18	19	19
+ LT Investments & Receivables	319	310	317	306	360	314	255	242	241	297	415	442	420	428	447
+ LT Investments	319	310	317	306	360	314	255	242	241	297	415	442	420	428	447
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-331	-322	-328	-319	-377	-331	-271	-258	-257	-314	-432	-459	-441	-449	-468
+ Total Intangible Assets	10	10	10	11	24	23	25	25	25	33	33	33	89	89	88
+ Goodwill	10	10	10	10	21	21	23	23	23	31	31	31	86	86	86
+ Other Intangible Assets	- -	- -	- -	- -	2	2	2	2	1	2	2	1	4	3	2
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-341	-332	-339	-329	-401	-354	-297	-283	-282	-347	-465	-492	-530	-538	-556
Total Assets	879	882	915	925	1,163	1,223	1,362	1,431	1,466	1,892	2,144	2,333	2,975	3,026	3,065
+ Payables & Accruals	2	1	1	1	1	1	1	1	1	1	1	1	4	5	3
+ Accounts Payable	2	1	1	1	1	1	1	1	1	1	1	1	4	5	3
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13	8	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13	8	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-2	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-17	-12	-3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-2	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-1	-17	-12	-3
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	54	46	67	42	42	80	115	91	85	89	74	257	271	273	294
+ LT Borrowings	54	46	67	42	42	80	115	91	85	89	74	257	271	273	294
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-54	-46	-67	-42	-42	-80	-115	-91	-85	-89	-74	-257	-271	-273	-294
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-54	-46	-67	-42	-42	-80	-115	-91	-85	-89	-74	-257	-271	-273	-294
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	797	793	823	825	1,043	1,100	1,233	1,291	1,312	1,697	1,931	2,133	2,696	2,726	2,727
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	18	20	27	28	44	46	55	57	59	80	83	85	148	150	153
+ Common Stock	3	3	3	3	4	4	4	4	4	4	4	4	5	5	5
+ Additional Paid in Capital	15	16	24	25	41	42	51	53	55	76	78	81	143	145	148
- Treasury Stock	5	7	8	8	10	13	13	14	14	15	16	17	17	16	16
+ Retained Earnings	63	72	74	80	86	91	90	100	111	127	146	165	173	189	214
+ Other Equity	5	5	-1	1	- -	-1	-3	-4	-1	3	- -	-33	-25	-24	-12
Equity Before Minority Interest	81	89	92	101	120	123	129	139	155	194	212	200	280	300	338
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	81	89	92	101	120	123	129	139	155	194	212	200	280	300	338
Total Liabilities & Equity	879	882	915	925	1,163	1,223	1,362	1,431	1,466	1,892	2,144	2,333	2,975	3,026	3,065
Shares Outstanding	4	4	3	3	4	4	4	4	4	4	4	4	5	5	5
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	23	20	54	24	10	55	86	59	52	6	-110	225	227	234	256
Net Debt to Equity	28.78	22.12	59.06	24.29	7.98	44.58	66.56	42.3	33.82	3.28	-51.71	112.42	81.21	78.19	75.68
Tangible Common Equity Ratio	8.2	9.08	9.04	9.82	8.45	8.34	7.76	8.13	9.03	8.67	8.5	7.28	6.59	7.19	8.4
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	13	14	13	13	12	13	13	18	19	25	29	29	18	28	37
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	2	2	2
+ Non-Cash Items	2	1	4	2	1	3	2	3	1	-13	8	5	7	2	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	1
+ Deferred Income Taxes	- -	- -	1	- -	- -	- -	1	- -	- -	- -	1	- -	1	2	1
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	2	1	3	2	1	2	1	3	1	-14	7	4	6	- -	-2
+ Chg in Non-Cash Work Cap	- -	-1	- -	- -	- -	- -	- -	- -	- -	-1	- -	-2	1	1	-2
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	1	-2	-1	1	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	1	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	2	- -	-2
+ Inc (Dec) in Other	- -	- -	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	16	15	18	16	13	16	16	21	22	12	39	33	27	33	37
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	- -	- -	-1	-1	-1	- -	- -	- -	-1	-1	-2	-3	-1	-1
+ Acq of Fixed Prod Assets	-1	- -	- -	-1	-1	-1	- -	- -	- -	-1	-1	-2	-3	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-1	-1	-2	-1	-2	-3	-1	-1	-1	-2	-1	-1	- -	- -	-1
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-1	-1	-2	-1	-2	-3	-1	-1	-1	-2	-1	-1	- -	- -	-1
+ Net Change in LT Investment	-62	7	-20	16	-32	33	63	14	3	-50	-125	-84	99	-7	-6
+ Dec in LT Investment	100	139	106	75	83	92	126	91	84	103	90	49	139	91	112
+ Inc in LT Investment	-162	-132	-125	-59	-115	-59	-63	-78	-81	-153	-215	-133	-39	-98	-118
+ Net Cash From Acq & Div	- -	- -	- -	- -	78	- -	-4	- -	- -	1	- -	-1	3	7	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	5	7	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	78	- -	-4	- -	- -	- -	- -	-1	-1	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-14	-14	-41	-23	-26	-102	-164	-85	-35	-61	-32	-275	-41	-68	-33
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-76	-8	-61	-8	19	-70	-105	-72	-32	-111	-158	-362	59	-69	-40
+ Dividends Paid	-3	-5	-4	-6	-5	-5	-5	-6	-6	-7	-7	-8	-9	-9	-10
+ Net Cash From Debt	-2	-6	-21	3	5	- -	-2	-1	7	5	-17	-5	40	-35	-42
+ Cash From Debt	5	- -	- -	7	5	1	- -	- -	10	20	10	- -	40	- -	- -
+ Repayments of Debt	-7	-6	-21	-4	-1	-1	-2	-1	-3	-15	-27	-5	- -	-35	-42
+ Other Financing Activities	53	1	53	-2	-16	55	99	58	13	153	249	196	-91	70	48
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	47	-11	27	-7	-19	47	90	49	12	149	224	183	-59	25	-4
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-14	-4	-16	1	13	-7	1	-2	2	50	104	-147	27	-11	-8
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	2	2	2
EBITDA Margin (%)	1.32	1.09	1.15	1.25	1.21	0.7	0.39	0.7	1.79	1.55	1.42	1.26	1.65	1.79	1.87
Free Cash Flow	15	14	17	15	12	16	16	21	21	11	38	32	24	32	35
Net Cash Paid for Acquisitions	- -	- -	- -	- -	-78	- -	4	- -	- -	-1	- -	1	-3	-7	- -
Free Cash Flow to Firm	15	14	17	15	12	16	16	21	21	11	38	32	24	32	35
Free Cash Flow to Equity	13	9	-3	17	17	16	14	20	28	16	21	27	64	-3	-7
Free Cash Flow per Basic Share	4.16	4.05	4.98	4.26	3.46	4.11	4.12	5.58	5.69	2.72	9.16	7.73	5.35	6.64	7.35
Price/Free Cash Flow	6.18	8.22	9.94	9.33	12.07	10.56	13.76	8.86	9.74	16.7	6.02	8.73	9.73	8.73	7.24
Cash Flow to Net Income	1.21	1.04	1.33	1.21	1.1	1.28	1.21	1.19	1.12	0.47	1.33	1.14	1.49	1.19	1
Capital Expenditures	-1	- -	- -	-1	-1	-1	- -	- -	- -	-1	-1	-2	-3	-1	-1