Ownership and insider activity for Citizens Financial Services, Inc. (CZFS): insider transactions, US Senate and House trading disclosures and shares outstanding. Track how corporate insiders and politicians are trading the stock.
Citizens Financial Services, Inc. functions as the parent company for First Citizens Community Bank, providing a comprehensive array of financial solutions and banking services to a diverse clientele, including individuals, businesses, government entities, and institutions. Its core offerings encompass various deposit instruments such as checking, savings, and certificate of deposit accounts.
Price
| Price | $81.33 |
| Market Cap | $391M |
| Exchange | NASDAQ |
| Country | US |
Recent Insider Transactions
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| 2026-09-15 | LANDY R JOSEPH | A-Award | 70 | |
| 2026-09-15 | DePaola Rinaldo A | A-Award | 70 | |
| 2026-09-15 | Hilfiger Janie M | A-Award | 70 | |
| 2026-09-15 | Painter John P II | A-Award | 70 | |
| 2026-09-15 | Behm John D | A-Award | 70 | |
| 2026-09-15 | BOWER JOSEPH B JR | A-Award | 70 | |
| 2026-09-15 | Freeman Thomas E. | A-Award | 70 | |
| 2026-09-15 | KUNES CHRISTOPHER W | A-Award | 70 | |
| 2026-09-15 | Chappell Robert W | A-Award | 70 | |
| 2026-09-15 | OSBORNE TERRY B | A-Award | 70 |
Balance Sheet (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $24.7M | $28.8M | $32.3M | $32.8M | $82.5M | $183.9M | $32.3M | $56.9M | $46.0M | $38.1M |
| Short-term Investments | $314.0M | $254.8M | $241.0M | $240.7M | $295.2M | $412.4M | $439.5M | $417.6M | $47.1M | $36.1M |
| Receivables | $11.8M | $4.2M | $4.5M | $4.6M | $6.0M | $5.2M | $7.3M | $11.0M | $10.3M | $10.7M |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | $350.6M | $287.8M | $277.8M | $278.0M | $383.7M | $601.5M | $479.1M | $485.5M | $103.4M | $84.9M |
| Property, Plant & Equipment | $17.0M | $16.5M | $16.3M | $15.9M | $16.9M | $17.0M | $17.6M | $21.4M | $21.4M | $21.0M |
| Goodwill | $21.1M | $23.3M | $23.3M | $23.3M | $31.4M | $31.4M | $31.4M | $85.8M | $85.8M | $85.8M |
| Intangible Assets | $2.1M | $2.0M | $1.6M | $1.3M | $1.7M | $1.6M | $1.3M | $3.6M | $2.9M | $2.2M |
| Total Assets | $1.22B | $1.36B | $1.43B | $1.47B | $1.89B | $2.14B | $2.33B | $2.98B | $3.03B | $3.06B |
| Accounts Payable | $720000 | $897000 | $1.1M | $1.1M | $1.0M | $711000 | $1.2M | $4.3M | $4.7M | $3.1M |
| Short-term Debt | 0 | 0 | 0 | 0 | $62.3M | 0 | 0 | $30.6M | $24.9M | $15.5M |
| Total Current Liabilities | $1.01B | $1.11B | $1.19B | $1.21B | $1.59B | $1.84B | $1.85B | $2.36B | $2.41B | $2.40B |
| Long-term Debt | $79.7M | $114.7M | $91.2M | $85.1M | $88.8M | $74.0M | $257.3M | $271.4M | $272.8M | $294.0M |
| Total Liabilities | $1.10B | $1.23B | $1.29B | $1.31B | $1.70B | $1.93B | $2.13B | $2.70B | $2.73B | $2.73B |
| Retained Earnings | $91.3M | $90.0M | $99.7M | $110.8M | $126.6M | $146.0M | $164.9M | $173.0M | $189.4M | $213.6M |
| Total Equity | $123.3M | $129.0M | $139.2M | $154.8M | $194.3M | $212.5M | $200.1M | $279.7M | $299.7M | $338.1M |
| Total Debt | $79.7M | $114.7M | $91.2M | $85.1M | $88.8M | $74.0M | $257.3M | $302.0M | $297.7M | $309.4M |
| Net Debt | -$259.1M | -$168.9M | -$182.1M | -$188.4M | -$288.8M | -$522.3M | -$214.5M | -$172.5M | $204.6M | $235.3M |
| Working Capital | -$655.6M | -$818.1M | -$908.5M | -$934.2M | -$1.21B | -$1.24B | -$1.37B | -$1.87B | -$2.31B | -$2.31B |
Financial Health
| Debt / Equity | 1.12 |
| Current Ratio | 12.29 |
Profitability
| Return on Equity | 12.05% |
| Return on Invested Capital | 1.29% |
| Return on Assets | 1.29% |
| Gross Margin | 65.87% |
| Operating Margin | 28.62% |
| Net Margin | 23.34% |
Related companies: CBAN · COSO · CZNC · FDBC · FNLC · LNKB · MBCN
Explore sector: Financial Services · Banks - Regional
More sections of CZFS: Overview · Financials · Valuation · Statistics · Estimates · Technical · News · Events
Discover more: Radar — undervalued stock signals · Investment Academy — learn to analyze stocks