About Citizens Financial Services, Inc.
https://www.firstcitizensbank.comCitizens 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.
CEO
Randall E. Black
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2017-06-14 | Forward | 21:20 |
| 2013-06-19 | Forward | 21:20 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:140.01K
XSU.TO
Weight:0.01%
Shares:117.78K
IWM
Weight:0.01%
Shares:117.78K
Summary
Showing Top 3 of 72
Ratings Snapshot
Rating : A-
Price Target
Institutional Ownership
BLACKROCK, INC.
Shares:320.51K
Value:$20.64M
BLACKROCK INC.
Shares:305.59K
Value:$19.68M
VANGUARD GROUP INC
Shares:246.74K
Value:$15.89M
Summary
Showing Top 3 of 83
About Citizens Financial Services, Inc.
https://www.firstcitizensbank.comCitizens 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.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $44.11M ▲ | $16.13M ▼ | $10.01M ▲ | 22.68% ▲ | $2.09 ▲ | $11.44M ▲ |
| Q2-2025 | $42.41M ▼ | $16.15M ▼ | $8.46M ▲ | 19.95% ▲ | $1.76 ▲ | $10.89M ▲ |
| Q1-2025 | $42.44M ▼ | $16.43M ▼ | $7.62M ▼ | 17.96% ▼ | $1.59 ▼ | $9.82M ▼ |
| Q4-2024 | $43.13M ▲ | $16.67M ▲ | $7.98M ▲ | 18.51% ▲ | $1.66 ▲ | $9.97M ▲ |
| Q3-2024 | $42.44M | $16.03M | $7.54M | 17.76% | $1.57 | $9.67M |
What's going well?
Revenue and profits are both up, with operating margins improving. The company is keeping expenses in check and delivering more profit per sale.
What's concerning?
General and administrative costs jumped sharply, which could be a warning sign if it continues. Interest costs remain a heavy drag on profits.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $107.65M ▼ | $3.06B ▲ | $2.73B ▲ | $327.68M ▲ |
| Q2-2025 | $116.75M ▲ | $2.97B ▼ | $2.65B ▼ | $313.65M ▲ |
| Q1-2025 | $85.41M ▼ | $3.02B ▼ | $2.71B ▼ | $308.3M ▲ |
| Q4-2024 | $93.14M ▼ | $3.03B ▼ | $2.73B ▼ | $299.73M ▲ |
| Q3-2024 | $459.77M | $3.03B | $2.73B | $298.65M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $10.01M ▲ | $2.88M ▼ | $-103.54M ▼ | $82.26M ▲ | $-18.41M ▼ | $3.96M ▼ |
| Q2-2025 | $8.46M ▲ | $5.98M ▼ | $70.69M ▲ | $-63.98M ▼ | $12.7M ▲ | $5.49M ▼ |
| Q1-2025 | $7.62M ▼ | $10.95M ▲ | $-728K ▼ | $-15.63M ▼ | $-5.42M ▼ | $10.36M ▲ |
| Q4-2024 | $7.98M ▲ | $10.48M ▲ | $-175K ▲ | $-4.87M ▼ | $5.44M ▲ | $10.02M ▲ |
| Q3-2024 | $7.54M | $6.22M | $-79.04M | $71.15M | $-1.67M | $5.59M |
Revenue by Products
| Product | Q4-2020 | Q1-2021 | Q1-2025 | Q2-2025 |
|---|---|---|---|---|
 Community Banking | $0 ▲ | $0 ▲ | $40.00M ▲ | $40.00M ▲ |
 Automated Teller Machine Income | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Brokerage and Insurance | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Financial Service Other | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Interchange Revenue | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Overdraft Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Service | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Service Charges on Deposit Accounts Other | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Statement Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Trust Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Randall E. Black
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2017-06-14 | Forward | 21:20 |
| 2013-06-19 | Forward | 21:20 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:140.01K
XSU.TO
Weight:0.01%
Shares:117.78K
IWM
Weight:0.01%
Shares:117.78K
Summary
Showing Top 3 of 72
Ratings Snapshot
Rating : A-
Price Target
Institutional Ownership
BLACKROCK, INC.
Shares:320.51K
Value:$20.64M
BLACKROCK INC.
Shares:305.59K
Value:$19.68M
VANGUARD GROUP INC
Shares:246.74K
Value:$15.89M
Summary
Showing Top 3 of 83