Citizens Financial Services, Inc. provides a full range of banking and related services through its wholly owned subsidiary, First Citizens Community Bank and its wholly owned subsidiary, First Citizens Insurance Agency, Inc.

First Citizens Investment and Trust Services Division provides investment, trust, and fiduciary services for individuals and corporations.

Employee Rating

3.3More
TypePublic
HQMansfield, US
Founded1872
Size (employees)263 (est)+17%
Websitefirstcitizensbank.com
Citizens Financial Services was founded in 1872 and is headquartered in Mansfield, US
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Citizens Financial Services Office Locations

Citizens Financial Services has an office in Mansfield
Mansfield, US (HQ)
15 S Main St
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Citizens Financial Services Financials and Metrics

Citizens Financial Services Revenue

USD

Revenue (Q3, 2018)

16.3m

Gross profit (Q3, 2018)

13.8m

Gross profit margin (Q3, 2018), %

84.7%

Net income (Q3, 2018)

4.6m

EBIT (Q3, 2018)

11.3m

Market capitalization (8-Oct-2018)

221.0m

Cash (30-Sep-2018)

16.5m
Citizens Financial Services's current market capitalization is $221 m.
Annual
USDFY, 2013FY, 2015FY, 2016FY, 2017

Cost of goods sold

6.3m4.8m5.0m5.8m

Depreciation and amortization

327.0k297.0k

EBIT

29.5m30.4m36.4m39.7m

Pre tax profit

17.1m14.3m15.7m19.1m
Quarterly
USDQ3, 2013Q1, 2014Q3, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Revenue

11.1m10.5m10.7m10.7m10.7m12.4m12.4m12.9m13.3m13.7m14.0m15.3m15.9m16.3m

Cost of goods sold

1.6m1.3m1.2m1.2m1.2m1.3m1.3m1.2m1.3m1.4m1.5m2.0m2.3m2.5m

Gross profit

9.6m9.3m9.5m9.5m9.5m11.1m11.2m11.6m12.0m12.3m12.5m13.3m13.6m13.8m

Gross profit Margin, %

86%88%89%89%89%90%90%90%90%90%89%87%86%85%
Annual
USDFY, 2013FY, 2016FY, 2017

Net Income

13.4m12.6m13.0m

Depreciation and Amortization

428.0k320.0k200.0k

Accounts Payable

(248.0k)(14.0k)29.0k

Cash From Operating Activities

17.8m16.2m15.7m
Quarterly
USDQ3, 2013Q1, 2014Q3, 2014Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

10.1m3.2m9.9m6.3m9.2m3.3m6.3m9.5m3.3m6.8m10.4m4.2m8.9m13.5m

Depreciation and Amortization

318.0k127.0k358.0k236.0k370.0k76.0k175.0k265.0k108.0k199.0k321.0k69.0k182.0k301.0k

Accounts Payable

(172.0k)(121.0k)(142.0k)(81.0k)(63.0k)(74.0k)(90.0k)(98.0k)(108.0k)(92.0k)(30.0k)

Cash From Operating Activities

12.9m3.6m11.3m5.4m8.9m2.4m6.2m10.8m6.3m9.8m12.7m6.3m9.6m14.9m
USDY, 2018

Financial Leverage

10.5 x
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Citizens Financial Services Online and Social Media Presence

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Citizens Financial Services News and Updates

Citizens Financial Services, Inc. Declares Quarterly Cash Dividend

MANSFIELD, Pa., Sept. 17, 2018 /PRNewswire/ -- The Board of Directors of Citizens Financial Services, Inc. (OTCPink: CZFS), the bank holding company for First Citizens Community Bank, recently declared a cash dividend for its shareholders. The cash dividend of $0.44 per share is payable...
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Citizens Financial Services Company Life and Culture

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Citizens Financial Services Frequently Asked Questions

  • When was Citizens Financial Services founded?

    Citizens Financial Services was founded in 1872.

  • How many employees does Citizens Financial Services have?

    Citizens Financial Services has 263 employees.

  • Who are Citizens Financial Services competitors?

    Competitors of Citizens Financial Services include Franklin Financial Services, Northwest Indiana Bancorp and Isabella Bank.

  • Where is Citizens Financial Services headquarters?

    Citizens Financial Services headquarters is located at 15 S Main St, Mansfield.

  • Where are Citizens Financial Services offices?

    Citizens Financial Services has an office in Mansfield.

  • How many offices does Citizens Financial Services have?

    Citizens Financial Services has 1 office.