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

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$52.25 $0.25 (0.48%) CZFS stock closing price Feb 24, 2017 (Closing)

The fundamental analysis of this company requires a thorough look at Citizen Financial Services balance sheet. 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. Good quarterly results indicate a company's strong financial performance. Its important to check all financial statements including the balance sheet. Citizen Financial Services balance sheet as at the end of 2016-Q3 indicates an asset turnover ratio of 0.04M and debt to equity ratio of 0.41M. Whereas, Citizen Financial Services revenue was $13.26M and Citizen Financial Services operating cash flow was $10.76M for the same period. View Citizen Financial Services quarterly results to get the balance sheet details for the latest & last 40 quarters data..

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Cash23.32M33.77M45.07M32.08M16.77M16.87M24.74M17.38M17.03M18.22M
Marketable Securities----------
Receivables747.08M705.93M696.52M692.13M579.53M568.27M561.89M550.93M540.62M536.68M
Inventory0.57M1.3M1.55M0.6M1.24M1.15M1.02M0.49M0.75M0.54M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizen Financial Services Total Current Assets
770.98M741.01M743.15M724.81M597.55M586.3M587.66M568.81M558.41M555.44M
Property Plant & Equipment---29.18M---23.77M--
Accumulated Depreciation---11.92M---11.41M--
Citizen Financial Services Net Property Plant & Equipment
17.14M17.23M17.24M17.26M12.54M12.58M12.61M12.35M11.77M11.5M
Investment & Advances349.15M360.94M371.92M359.73M300.63M304.79M291.9M306.14M308.28M312.32M
Other Non-Current Assets----------
Deferred Charges----------
Intangibles23.14M23.27M23.39M23.52M10.25M10.25M10.25M10.25M10.25M10.25M
Deposits & Other Assets37.22M37.05M36.83M37.63M32.99M28.54M27.52M27.47M24.31M24.64M
Citizen Financial Services Total Assets
1.2B1.18B1.19B1.16B953.97M942.47M929.97M925.04M913.04M914.16M
Notes Payable----------
Accounts Payable1.01B1B1.02B988.03M797.84M791.88M788.77M773.93M768.04M765.45M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.63M0.64M0.66M0.73M0.69M0.67M0.69M0.75M0.75M0.73M
Income Taxes Payable----------
Other Current Liabilities----------
Citizen Financial Services Total Current Liabilities
1.01B1B1.02B988.76M798.54M792.56M789.46M774.68M768.79M766.19M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt51.85M38.78M39.99M41.63M44.65M39.19M29.38M41.79M37.72M43.07M
Non-Current Capital Leases----------
Other Long-Term Liabilities10.86M12.15M12.12M12.82M6.87M7.49M8.82M8.03M7.36M6.66M
Citizen Financial Services Total Liabilities
1.07B1.06B1.07B1.04B850.07M839.25M827.68M824.52M813.88M815.93M
Minority Interest----------
Preferred Stock----------
Common Stock Net3.7M3.7M3.67M3.67M3.33M3.33M3.33M3.33M3.33M3.33M
Capital Surplus42.24M42.24M40.72M40.71M25.13M25.12M25.14M25.15M25.14M25.14M
Retained Earnings89.5M87.75M87.69M85.79M84.69M83.37M81.4M79.51M77.25M76.92M
Treasury Stock11.28M11.28M11.02M10.18M10.1M8.77M9.2M8.23M8.08M8.26M
Other Liabilities1.39M2.04M0.9M-0.23M0.84M0.17M1.6M0.76M1.51M1.1M
Citizen Financial Services Shareholders Equity
125.55M124.45M121.97M119.76M103.9M103.22M102.28M100.52M99.16M98.23M
Citizen Financial Services Total Liabilities & Shareholders Equity
1.2B1.18B1.19B1.16B953.97M942.47M929.97M925.04M913.04M914.16M
All figures in USD. M: Millions of USD, B: Billions of USD.
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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: CZFS total assets, which was at $1.2B for 2016-Q3 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: This item on the balance sheet implies the firm's, in this case Citizen Financial Services's, legal obligations including loans, accounts payable, deferred revenue, accrued expenses and mortgages. The total liabilities for CZFS stock stand at $1.07B.
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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

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