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

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$55.7 $0.05 (0.09%) CZFS stock closing price Sep 21, 2017 (Closing)

The Citizen Financial Services balance sheet is a snapshot of the company's financial health at a given point of time, whereas the other two financial statements are for a particular accounting period. Balance sheet items like cash at hand, total assets and liabilities helps one analyze a company and summarize the financial performance of the company like we have in our Citizen Financial Services stock analysis. A company releases its balance sheet every quarter along with its quarterly results. Citizen Financial Services balance sheet as at the end of 2016 indicates an asset turnover ratio of 0.04M and debt to equity ratio of 0.55M. Whereas, Citizen Financial Services revenue was $50.9M and Citizen Financial Services operating cash flow was $16.19M for the same period. View latest 0 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 - Dec.2016201520142013201220112010200920082007
Cash24.7M32.08M17.38M12.56M26.33M30.43M43.99M31.44M19.85M10.38M
Marketable Securities----------
Receivables794.81M692.13M550.93M537.24M499.49M484.64M471.05M454.63M431.34M421.7M
Inventory1.82M0.6M0.49M0.27M1.45M-----
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizen Financial Services Total Current Assets
821.35M724.81M568.81M550.08M527.28M515.07M515.05M486.08M451.2M432.09M
Property Plant & Equipment29.1M29.18M23.77M22.05M22.16M22.11M23.2M23.06M23.34M-
Accumulated Depreciation12.07M11.92M11.41M10.94M10.64M10.41M10.7M10.84M10.58M-
Citizen Financial Services Net Property Plant & Equipment
17.03M17.26M12.35M11.1M11.52M11.7M12.5M12.22M12.76M12.53M
Investment & Advances314.01M359.73M306.14M317.3M310.25M318.82M251.3M198.58M174.13M120.8M
Other Non-Current Assets----------
Deferred Charges----------
Intangibles23.18M23.52M10.25M10.25M10.25M10.25M10.25M10.25M10.25M8.6M
Deposits & Other Assets47.43M37.63M27.47M26.18M23.11M22.71M23.41M22.32M20.25M16.99M
Citizen Financial Services Total Assets
1.22B1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M591.02M
Notes Payable----------
Accounts Payable1.01B988.03M773.93M748.31M737.09M733.99M680.71M605.55M546.68M456.02M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.72M0.73M0.75M0.89M1.14M1.51M1.77M2.03M2.23M2.19M
Income Taxes Payable----------
Other Current Liabilities----------
Citizen Financial Services Total Current Liabilities
1.01B988.76M774.68M749.21M738.23M735.5M682.49M607.59M548.91M458.22M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt79.66M41.63M41.79M66.93M46.12M53.88M55.99M54.11M61.2M80.34M
Non-Current Capital Leases----------
Other Long-Term Liabilities13.86M12.82M8.03M6.73M8.58M7.71M5.35M6.23M5.72M3.92M
Citizen Financial Services Total Liabilities
1.1B1.04B824.52M822.87M792.95M797.09M743.83M667.95M615.84M542.5M
Minority Interest----------
Preferred Stock----------
Common Stock Net3.7M3.67M3.33M3.3M3.16M3.13M3.1M3.07M3.04M3.02M
Capital Surplus42.25M40.71M25.15M23.56M16.46M15.31M14.23M13.45M12.98M12.51M
Retained Earnings91.27M85.79M79.51M74.32M71.81M63.33M54.93M47.35M41.03M37.59M
Treasury Stock12.57M10.18M8.23M7.91M6.59M5.26M4.63M4.4M4.31M4.17M
Other Liabilities-1.39M-0.23M0.76M-1.22M4.63M4.94M1.05M2.04M0.02M-0.42M
Citizen Financial Services Shareholders Equity
123.26M119.76M100.52M92.05M89.47M81.46M68.69M61.52M52.77M48.52M
Citizen Financial Services Total Liabilities & Shareholders Equity
1.22B1.16B925.04M914.93M882.42M878.56M812.52M729.47M668.61M591.02M
All figures in USD. M: Millions of USD, B: Billions of USD.
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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 $1.22B for 2016 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 $1.1B.
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Citizen Financial Services Balance Sheet - Key Ratios

Current ratio
0.87
Debt to equity ratio
0.55
Asset turnover ratio
0.04
Receivables turnover
0.07
price to book ratio
1.55