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

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$62.1 $0.05 (0.08%) CZFS stock closing price Jul 20, 2018 (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. How cash on hand has increased or decreased is one of the many indicators used while undertaking the Citizen Financial Services stock analysis, and provides insights into the firm's financial performance. Annual results are typically accompanied with the company releasing financial statements. Citizen Financial Services had a long term debt of $114.66M at the end of 2017. To understand the debt servicing capacity of the company, one needs to look at Citizen Financial Services operating cash flow and Citizen Financial Services revenue also. Citizen Financial Services debt to equity ratio is 0.96.

View latest 10 year balance sheet data to check Citizen Financial Services financial performance.
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Quarterly
Annual
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Fiscal year is Jan - Dec2017201620152014201320122011201020092008
Cash28.8M24.7M32.08M17.38M12.56M26.33M30.43M43.99M31.44M19.85M
Marketable Securities----------
Receivables993.53M794.81M692.13M550.93M537.24M499.49M484.64M471.05M454.63M431.34M
Inventory1.43M1.82M---1.45M----
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Total Current Assets
1.02B821.35M724.81M568.81M550.08M527.28M515.07M515.05M486.08M451.2M
Property Plant & Equipment29.22M29.1M29.18M23.77M22.05M22.16M22.11M23.2M23.06M23.34M
Accumulated Depreciation12.7M12.07M11.92M11.41M10.94M10.64M10.41M10.7M10.84M10.58M
Net Property Plant & Equipment
16.52M17.03M17.26M12.35M11.1M11.52M11.7M12.5M12.22M12.76M
Investment & Advances254.78M314.01M359.73M306.14M317.3M310.25M318.82M251.3M198.58M174.13M
Other Non-Current Assets----------
Deferred Charges----------
Intangibles25.24M23.18M23.52M10.25M10.25M10.25M10.25M10.25M10.25M10.25M
Deposits & Other Assets41.56M47.43M37.63M27.47M26.18M23.11M22.71M23.41M22.32M20.25M
Total Assets
1.36B1.22B1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M
Notes Payable----------
Accounts Payable1.1B1.01B988.03M773.93M748.31M737.09M733.99M680.71M605.55M546.68M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses-----1.14M1.51M1.77M2.03M2.23M
Income Taxes Payable----------
Other Current Liabilities----------
Total Current Liabilities
1.11B1.01B988.76M774.68M749.21M738.23M735.5M682.49M607.59M548.91M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt114.66M79.66M41.63M41.79M66.93M46.12M53.88M55.99M54.11M61.2M
Non-Current Capital Leases----------
Other Long-Term Liabilities12.37M13.86M12.82M8.03M6.73M8.58M7.71M5.35M6.23M5.72M
Total Liabilities
1.23B1.1B1.04B824.52M822.87M792.95M797.09M743.83M667.95M615.84M
Minority Interest----------
Preferred Stock----------
Common Stock Net3.87M3.7M3.67M3.33M3.3M3.16M3.13M3.1M3.07M3.04M
Capital Surplus51.1M42.25M40.71M25.15M23.56M16.46M15.31M14.23M13.45M12.98M
Retained Earnings89.98M91.27M85.79M79.51M74.32M71.81M63.33M54.93M47.35M41.03M
Treasury Stock12.55M12.57M10.18M8.23M7.91M6.59M5.26M4.63M4.4M4.31M
Other Liabilities-3.39M-1.39M-0.23M--1.22M4.63M4.94M1.05M2.04M-
Shareholders Equity129.01M123.26M119.76M100.52M92.05M89.47M81.46M68.69M61.52M52.77M
Total Liabilities & Shareholders Equity1.36B1.22B1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M
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: An asset is a resource that a corporation like Citizen Financial Services owns and has economic value. The two major types of assets are: fixed assets like real estate, plant and machinery and current assets like cash, marketable securities and inventory. The total asset value for CZFS stock as of 2017 is $1.36B. Its easy to associate the term with manufacturing companies, which invest a lot in factories and equipment. However, the same cannot be said about tech stocks.
  • Liabilities include short term loans and long term loans availed by the company to fund its business operations. CZFS stock had total liabilities of $1.23B for the year 2017.

Citizen Financial Services Balance Sheet - Key Ratios

Current ratio
0.94
Debt to equity ratio
0.96
Asset turnover ratio
0.05
Receivables turnover
0.06
Price to book ratio
1.7