Citizen Financial Services Balance Sheet - Annual (OTCBB:CZFS)

Add to My Stocks
$51.5 $0 (0%) CZFS stock closing price Feb 21, 2017 (Closing)

The financial analysis of a company like Citizen Financial Services involves checking the three financial statements of the company in detail, of which the balance sheet is one. All three financial statements should be used to measure the financial performance of the company, and should form a part of the Citizen Financial Services stock analysis. A company releases its balance sheet every quarter along with its quarterly results. The Citizen Financial Services balance sheet for 2015 shows cash on hand of $32.08M. The cash has increased by $14.7M. Citizen Financial Services revenue was $43.07M and Citizen Financial Services operating cash flow was $12.81M. View latest and last 10 year balance sheet data to check Citizen Financial Services financial performance..

show more
Annual
Quarterly
View Previous Years
View Next Years
Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007
Cash32.08M17.38M12.56M26.33M30.43M43.99M31.44M19.85M10.38M
Marketable Securities---------
Receivables692.13M550.93M537.24M499.49M484.64M471.05M454.63M431.34M421.7M
Inventory0.6M0.49M0.27M1.45M-----
Raw Materials---------
Work In Progress---------
Finished Goods---------
Notes Receivable---------
Other Current Assets---------
Citizen Financial Services Total Current Assets
724.81M568.81M550.08M527.28M515.07M515.05M486.08M451.2M432.09M
Property Plant & Equipment29.18M23.77M22.05M22.16M22.11M23.2M23.06M23.34M-
Accumulated Depreciation11.92M11.41M10.94M10.64M10.41M10.7M10.84M10.58M-
Citizen Financial Services Net Property Plant & Equipment
17.26M12.35M11.1M11.52M11.7M12.5M12.22M12.76M12.53M
Investment & Advances359.73M306.14M317.3M310.25M318.82M251.3M198.58M174.13M120.8M
Other Non-Current Assets---------
Deferred Charges---------
Intangibles23.52M10.25M10.25M10.25M10.25M10.25M10.25M10.25M8.6M
Deposits & Other Assets37.63M27.47M26.18M23.11M22.71M23.41M22.32M20.25M16.99M
Citizen Financial Services Total Assets
1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M591.02M
Notes Payable---------
Accounts Payable988.03M773.93M748.31M737.09M733.99M680.71M605.55M546.68M456.02M
Current Portion Long-Term Debt---------
Current Portion Capital Leases---------
Accrued Expenses0.73M0.75M0.89M1.14M1.51M1.77M2.03M2.23M2.19M
Income Taxes Payable---------
Other Current Liabilities---------
Citizen Financial Services Total Current Liabilities
988.76M774.68M749.21M738.23M735.5M682.49M607.59M548.91M458.22M
Mortgages---------
Deferred Taxes/Income---------
Convertible Debt---------
Long-Term Debt41.63M41.79M66.93M46.12M53.88M55.99M54.11M61.2M80.34M
Non-Current Capital Leases---------
Other Long-Term Liabilities12.82M8.03M6.73M8.58M7.71M5.35M6.23M5.72M3.92M
Citizen Financial Services Total Liabilities
1.04B824.52M822.87M792.95M797.09M743.83M667.95M615.84M542.5M
Minority Interest---------
Preferred Stock---------
Common Stock Net3.67M3.33M3.3M3.16M3.13M3.1M3.07M3.04M3.02M
Capital Surplus40.71M25.15M23.56M16.46M15.31M14.23M13.45M12.98M12.51M
Retained Earnings85.79M79.51M74.32M71.81M63.33M54.93M47.35M41.03M37.59M
Treasury Stock10.18M8.23M7.91M6.59M5.26M4.63M4.4M4.31M4.17M
Other Liabilities-0.23M0.76M-1.22M4.63M4.94M1.05M2.04M0.02M-0.42M
Citizen Financial Services Shareholders Equity
119.76M100.52M92.05M89.47M81.46M68.69M61.52M52.77M48.52M
Citizen Financial Services Total Liabilities & Shareholders Equity
1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M591.02M
All figures in USD. M: Millions of USD, B: Billions of USD.
View Previous Years
View Next Years
Get Balance sheet for another ticker

Most investors just check the Citizen Financial Services stock price, and Citizen Financial Services historical stock prices before investing. While share price is an important factor, one should also look at financials and valuation metrics like the Citizen Financial Services PE ratio chart. Below is a brief explanation of common balance sheet terms:
  • Assets: An asset is a resource that a corporation like Citizen Financial Services owns and has monetary significance. CZFS assets grew from $925.04M in 2014 to $1.16B in 2015 . Assets can be of two types: fixed assets like real estate, plant and machinery; and current assets which includes cash, accounts receivable etc. Tech stocks typically don't have too many assets.
  • Liabilities: The total liabilities of Citizen Financial Services for 2015 total to $1.04B. Liabilities for a company like Citizen Financial Services include bank loans, services which have been availed for which a settlement in the form of cash/ asset transfer needs to be done in future etc. A firm takes on such obligations to grow its business which in turn will generate future economic benefits for its business.
.

Citizen Financial Services Balance Sheet - Key Ratios

Current ratio
0.76
Debt to Equity ratio
0.41
Asset Turnover
ratio
0.04
receivables turnover
ratio
0.07

Annual Balance Sheets For Citizens Financial Services Inc Peers

Bryn Mawr Bank balance sheet, FNB Corp balance sheet, Howard Bancorp balance sheet, S&T Bancorp balance sheet, Unity Bancorp balance sheet