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

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$52 $0 (0%) CZFS stock closing price Dec 02, 2016 (Closing)

A thorough fundamental analysis involves using data from Citizen Financial Services balance sheet, apart from other financial statements, to value the business. 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. Citizen Financial Services revenue was $43.07M and Citizen Financial Services operating cash flow was $12.81M for 2015. The balance sheet shows total liabilities of $1.04B and shareholders equity of $119.76M. View latest and last 10 year balance sheet data to check Citizen Financial Services financial performance..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Cash32.08M17.38M12.56M26.33M30.43M43.99M31.44M19.85M10.38M10.01M
Marketable Securities----------
Receivables692.13M550.93M537.24M499.49M484.64M471.05M454.63M431.34M421.7M413.35M
Inventory0.6M0.49M0.27M1.45M------
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizen Financial Services Total Current Assets
724.81M568.81M550.08M527.28M515.07M515.05M486.08M451.2M432.09M423.37M
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
17.26M12.35M11.1M11.52M11.7M12.5M12.22M12.76M12.53M12.89M
Investment & Advances359.73M306.14M317.3M310.25M318.82M251.3M198.58M174.13M120.8M109.74M
Other Non-Current Assets----------
Deferred Charges----------
Intangibles23.52M10.25M10.25M10.25M10.25M10.25M10.25M10.25M8.6M8.6M
Deposits & Other Assets37.63M27.47M26.18M23.11M22.71M23.41M22.32M20.25M16.99M17.55M
Citizen Financial Services Total Assets
1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M591.02M572.16M
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
988.76M774.68M749.21M738.23M735.5M682.49M607.59M548.91M458.22M448.8M
Mortgages----------
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
1.04B824.52M822.87M792.95M797.09M743.83M667.95M615.84M542.5M528.66M
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
119.76M100.52M92.05M89.47M81.46M68.69M61.52M52.77M48.52M43.5M
Citizen Financial Services Total Liabilities & Shareholders Equity
1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M591.02M572.16M
All figures in USD. M: Millions of USD, B: Billions of USD.
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Apart from balance sheet items, an investor would do well to keep track of the Citizen Financial Services stock price by looking at Citizen Financial Services historical stock prices. One can compare PE with industry average by looking at the Citizen Financial Services PE ratio chart. The common balance sheet items 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 or obligations comprise of current liabilities that include short term loans, amounts payable to suppliers, or any other outstanding payments including long term liabilities that take into account long term loans for funding large projects. The total liabilities for Citizen Financial Services is $1.04B. Shareholders' equity comes under liabilities as it is money the company owes the holders of CZFS stock.
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Citizen Financial Services Balance Sheet - Key Ratios

Current ratio
0.74
Debt to Equity ratio
0.31
Asset Turnover
ratio
0.04
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
1.4580