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CZFS Citizens Financial Services

Citizens Financial Services, Inc. is the bank holding company for First Citizens Community Bank (“First Citizens”), a Pennsylvania-chartered commercial bank. First Citizens operates 31 full-service branch offices in Pennsylvania, Delaware and New York. For more information about Citizens and First Citizens, visit its website at www.firstcitizensbank.com.

Company profile

Ticker
CZFS
Exchange
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
IRS number
232265045

Investment data

Data from SEC filings
Securities sold
Number of investors

Calendar

6 May 21
3 Aug 21
31 Dec 21
Quarter (USD)
Mar 21 Dec 20 Sep 20 Jun 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from company earnings reports.

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
29 Jul 21 Coolidge R Lowell COMMON CLASS By will or laws of descent Dispose W Yes No 0 5,393 0 38,395
25 Jun 21 Chappell Robert W COMMON CLASS Other Aquire J No No 61 90.239 5.5K 9,314.168
25 Jun 21 Kosa E Gene COMMON CLASS Other Aquire J No No 61 53.33 3.25K 5,665.298
25 Jun 21 Landy R Joseph COMMON CLASS Other Aquire J No No 61 235.563 14.37K 24,030.867
25 Jun 21 Graham Roger C JR COMMON CLASS Other Aquire J No No 61 535.113 32.64K 54,246.41

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

13F holders
Current Prev Q Change
Total holders 0 0
Opened positions 0 0
Closed positions 0 1 EXIT
Increased positions 0 0
Reduced positions 0 0
13F shares
Current Prev Q Change
Total value 0 0
Total shares 0 0
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Largest transactions
Shares Bought/sold Change

Financial report summary

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Management Discussion
  • The Company had net income of $8,463,000 for the first three months of 2021 compared to $4,531,000 for last year’s comparable period, an increase of $3,932,000, or 86.8%. Basic earnings per share for the first three months of 2021 were $2.16 compared to $1.27 last year, representing a 70.1% increase.  Annualized return on assets and return on equity for the first three months of 2021 were 1.77% and 17.25%, respectively, compared with 1.24% and 11.48% for last year’s comparable period.
  • Net interest income, the most significant component of the Company’s earnings, is the amount by which interest income generated from interest-earning assets exceeds interest expense paid on interest-bearing liabilities.
  • Net interest income for the first three months of 2021 was $16,441,000, an increase of $3,551,000, or 27.6%, compared to the same period in 2020.  For the first three months of 2021 the provision for loan losses was $650,000, an increase of $250,000 over the comparable period in 2020. Consequently, net interest income after the provision for loan losses was $15,791,000 in the first three months of 2021 compared to $12,490,000 during the first three months of 2020.
Content analysis
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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. junior Avg
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