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

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$54.5 $0.44 (0.82%) CZFS stock closing price Apr 27, 2017 (Closing)

The fundamental analysis of this company requires a thorough look at Citizen Financial Services balance sheet. 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. A company releases its balance sheet every quarter along with its quarterly results. Citizen Financial Services revenue was $50.9M and Citizen Financial Services operating cash flow was $16.19M for 2016. The balance sheet shows total liabilities of $1.1B and shareholders equity of $123.26M. 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. 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007
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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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: An asset is a resource that a corporation like Citizen Financial Services owns and has monetary significance. CZFS assets grew from $1.16B in 2015 to $1.22B in 2016 . Assets can be of two types: fixed assets like real estate, plant and machinery; and current assets which includes cash, accounts receivable etc. Tech stocks typically don't have too many assets.
  • 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 $1.1B. 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
0.82
Debt to Equity ratio
0.65
Asset Turnover
ratio
0.04
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
1.4760