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

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$51.5 $2 (4.04%) CZFS stock closing price Oct 25, 2016 (Closing)

A balance sheet is one of the three key financial statements released by a publicly listed company like Citizen Financial Services, and helps in stock analysis. As in our Citizen Financial Services stock analysis, analyzing a company also involves looking at the company's assets and liabilities as given in its balance sheet, which can be used to measure financial performance. A company releases its balance sheet every quarter along with its quarterly results. The Citizen Financial Services balance sheet for 2015 shows total assets of $1.16B. Citizen Financial Services revenue was $43.07M and Citizen Financial Services operating cash flow was $12.81M for the same year. View latest and last 10 year balance sheet data to check Citizen Financial Services financial performance..

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Marketable Securities----------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizen Financial Services Total Current Assets
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
Investment & Advances359.73M306.14M317.3M310.25M318.82M251.3M198.58M174.13M120.8M109.74M
Other Non-Current Assets----------
Deferred Charges----------
Deposits & Other Assets37.63M27.47M26.18M23.11M22.71M23.41M22.32M20.25M16.99M17.55M
Citizen Financial Services Total Assets
Notes Payable----------
Accounts Payable988.03M773.93M748.31M737.09M733.99M680.71M605.55M546.68M456.02M446.51M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.73M0.75M0.89M1.14M1.51M1.77M2.03M2.23M2.19M2.28M
Income Taxes Payable----------
Other Current Liabilities----------
Citizen Financial Services Total Current Liabilities
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt41.63M41.79M66.93M46.12M53.88M55.99M54.11M61.2M80.34M75.77M
Non-Current Capital Leases----------
Other Long-Term Liabilities12.82M8.03M6.73M8.58M7.71M5.35M6.23M5.72M3.92M4.09M
Citizen Financial Services Total Liabilities
Minority Interest----------
Preferred Stock----------
Common Stock Net3.67M3.33M3.3M3.16M3.13M3.1M3.07M3.04M3.02M2.99M
Capital Surplus40.71M25.15M23.56M16.46M15.31M14.23M13.45M12.98M12.51M11.93M
Retained Earnings85.79M79.51M74.32M71.81M63.33M54.93M47.35M41.03M37.59M34M
Treasury Stock10.18M8.23M7.91M6.59M5.26M4.63M4.4M4.31M4.17M3.69M
Other Liabilities-0.23M0.76M-1.22M4.63M4.94M1.05M2.04M0.02M-0.42M-1.73M
Citizen Financial Services Shareholders Equity
Citizen Financial Services Total Liabilities & Shareholders Equity
All figures in USD. M: Millions of USD, B: Billions of USD.

Looking at Citizen Financial Services historical stock prices and the current Citizen Financial Services stock price can tell you how the stock price has moved, whereas the Citizen Financial Services PE ratio chart shows if its shares are overpriced in comparison to peers. The important things to look for in a balance sheet are:
  • Assets: CZFS total assets, which was at $1.16B for 2015 is a balance sheet item representing value of what Citizen Financial Services owns. Assets are brought to aid a firms operations, or to increase its economic value. It must be noted that tech stocks may not have a lot of assets, as the value for these companies is often derived from future earning potential.
  • Liabilities include short term loans and long term loans availed by the company to fund its business operations. CZFS stock had total liabilities of $1.04B for year 2015.

Citizen Financial Services Balance Sheet - Key Ratios

Current ratio
Debt to Equity ratio
Asset Turnover
receivables turnover
PB ratio (
price to book ratio