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

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$54.06 $1.11 (2.09%) CZFS stock closing price Apr 26, 2017 (Closing)

The financial analysis of a company involves interpreting the income statement, balance sheet and cash flow statements of the company to draw insights like we've done in our Citizen Financial Services stock analysis. Financial strength can be guaged by performing Citizen Financial Services stock analysis and by analyzing the balance sheet. Quarterly results announcements include the release of all three financial statements, of which the balance sheet is one. Citizen Financial Services revenue was $13.26M and Citizen Financial Services operating cash flow was $16.19M for 2016-Q4. The balance sheet shows total liabilities of $1.1B and shareholders equity of $123.26M. 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-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3
Cash24.7M23.32M33.77M45.07M32.08M16.77M16.87M24.74M17.38M17.03M
Marketable Securities----------
Receivables794.81M747.08M705.93M696.52M692.13M579.53M568.27M561.89M550.93M540.62M
Inventory1.82M0.57M1.3M1.55M0.6M1.24M1.15M1.02M0.49M0.75M
Raw Materials----------
Work In Progress----------
Finished Goods----------
Notes Receivable----------
Other Current Assets----------
Citizen Financial Services Total Current Assets
821.35M770.98M741.01M743.15M724.81M597.55M586.3M587.66M568.81M558.41M
Property Plant & Equipment29.1M---29.18M---23.77M-
Accumulated Depreciation12.07M---11.92M---11.41M-
Citizen Financial Services Net Property Plant & Equipment
17.03M17.14M17.23M17.24M17.26M12.54M12.58M12.61M12.35M11.77M
Investment & Advances314.01M349.15M360.94M371.92M359.73M300.63M304.79M291.9M306.14M308.28M
Other Non-Current Assets----------
Deferred Charges----------
Intangibles23.18M23.14M23.27M23.39M23.52M10.25M10.25M10.25M10.25M10.25M
Deposits & Other Assets47.43M37.22M37.05M36.83M37.63M32.99M28.54M27.52M27.47M24.31M
Citizen Financial Services Total Assets
1.22B1.2B1.18B1.19B1.16B953.97M942.47M929.97M925.04M913.04M
Notes Payable----------
Accounts Payable1.01B1.01B1B1.02B988.03M797.84M791.88M788.77M773.93M768.04M
Current Portion Long-Term Debt----------
Current Portion Capital Leases----------
Accrued Expenses0.72M0.63M0.64M0.66M0.73M0.69M0.67M0.69M0.75M0.75M
Income Taxes Payable----------
Other Current Liabilities----------
Citizen Financial Services Total Current Liabilities
1.01B1.01B1B1.02B988.76M798.54M792.56M789.46M774.68M768.79M
Mortgages----------
Deferred Taxes/Income----------
Convertible Debt----------
Long-Term Debt79.66M51.85M38.78M39.99M41.63M44.65M39.19M29.38M41.79M37.72M
Non-Current Capital Leases----------
Other Long-Term Liabilities13.86M10.86M12.15M12.12M12.82M6.87M7.49M8.82M8.03M7.36M
Citizen Financial Services Total Liabilities
1.1B1.07B1.06B1.07B1.04B850.07M839.25M827.68M824.52M813.88M
Minority Interest----------
Preferred Stock----------
Common Stock Net3.7M3.7M3.7M3.67M3.67M3.33M3.33M3.33M3.33M3.33M
Capital Surplus42.25M42.24M42.24M40.72M40.71M25.13M25.12M25.14M25.15M25.14M
Retained Earnings91.27M89.5M87.75M87.69M85.79M84.69M83.37M81.4M79.51M77.25M
Treasury Stock12.57M11.28M11.28M11.02M10.18M10.1M8.77M9.2M8.23M8.08M
Other Liabilities-1.39M1.39M2.04M0.9M-0.23M0.84M0.17M1.6M0.76M1.51M
Citizen Financial Services Shareholders Equity
123.26M125.55M124.45M121.97M119.76M103.9M103.22M102.28M100.52M99.16M
Citizen Financial Services Total Liabilities & Shareholders Equity
1.22B1.2B1.18B1.19B1.16B953.97M942.47M929.97M925.04M913.04M
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 monetary significance. CZFS assets grew from $1.2B in 2016-Q3 to $1.22B in 2016-Q4 . 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: 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
0.82
Debt to Equity ratio
0.65
Asset Turnover
ratio
0.04
receivables turnover
ratio
0.07
PB ratio (
price to book ratio
)
1.4640