CZFS: Citizens Financial Services, Inc. - Summary | Jitta

Citizens Financial Services, Inc.

NASDAQ:CZFS

Price
$90.72
Loss Chance
43.4%
6.80JITTA SCORE
14.84%Over Jitta Line
Jitta Ranking
175 / 366
221 / 758
574 / 5,155
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HISTORICAL JITTA SCORE
Jitta Factors
Growth Opportunity (58)
Recent Business Performance (56)
Financial Strength (75)
Return to Shareholders (90)
Competitive Advantage (72)
Jitta Signs
Revenue and EarningConsistent
Operating MarginExpansion
Return on EquityConsistently High
Dividend PayoutIncreasing Every Year
CapExVery Low
SG&A to SalesDecreasing
Total DepositConsistent Growth
Loan to DepositEfficiency
Net Interest MarginHigh Efficiency
Key Stats
Jitta Score
Jitta Line
6.80
14.84%
5.86
20.59%
4.88
179.47%
Regional Banks
7.95
51.76%
7.45
48.41%
7.63
59.16%
COMPANY DESCRIPTION
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that 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.