Citizens Financial Services Inc. Common Stock (CZFS) - Net Assets
Based on the latest financial reports, Citizens Financial Services Inc. Common Stock (CZFS) has net assets worth $338.05 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.06 Billion) and total liabilities ($2.73 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check CZFS asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $338.05 Million |
| % of Total Assets | 11.03% |
| Annual Growth Rate | 9.53% |
| 5-Year Change | 59.09% |
| 10-Year Change | 174.24% |
| Growth Volatility | 8.44 |
Citizens Financial Services Inc. Common Stock - Net Assets Trend (1993–2025)
This chart illustrates how Citizens Financial Services Inc. Common Stock's net assets have evolved over time, based on quarterly financial data. Also explore CZFS current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for Citizens Financial Services Inc. Common Stock (1993–2025)
The table below shows the annual net assets of Citizens Financial Services Inc. Common Stock from 1993 to 2025. For live valuation and market cap data, see market cap of Citizens Financial Services Inc. Common .
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $338.05 Million | +12.78% |
| 2024-12-31 | $299.73 Million | +7.18% |
| 2023-12-31 | $279.67 Million | +39.73% |
| 2022-12-31 | $200.15 Million | -5.81% |
| 2021-12-31 | $212.49 Million | +9.39% |
| 2020-12-31 | $194.26 Million | +25.51% |
| 2019-12-31 | $154.77 Million | +11.17% |
| 2018-12-31 | $139.23 Million | +7.92% |
| 2017-12-31 | $129.01 Million | +4.66% |
| 2016-12-31 | $123.27 Million | +2.93% |
| 2015-12-31 | $119.76 Million | +19.13% |
| 2014-12-31 | $100.53 Million | +9.20% |
| 2013-12-31 | $92.06 Million | +2.88% |
| 2012-12-31 | $89.47 Million | +9.83% |
| 2011-12-31 | $81.47 Million | +18.60% |
| 2010-12-31 | $68.69 Million | +11.64% |
| 2009-12-31 | $61.53 Million | +16.59% |
| 2008-12-31 | $52.77 Million | +8.74% |
| 2007-12-31 | $48.53 Million | +11.56% |
| 2006-12-31 | $43.50 Million | +4.67% |
| 2005-12-31 | $41.56 Million | +1.89% |
| 2004-12-31 | $40.79 Million | +5.87% |
| 2003-12-31 | $38.53 Million | +0.32% |
| 2002-12-31 | $38.41 Million | +15.03% |
| 2001-12-31 | $33.39 Million | +9.30% |
| 2000-12-31 | $30.55 Million | +12.80% |
| 1999-12-31 | $27.08 Million | -5.30% |
| 1998-12-31 | $28.60 Million | +10.32% |
| 1997-12-31 | $25.92 Million | +13.18% |
| 1996-12-31 | $22.90 Million | +7.55% |
| 1995-12-31 | $21.30 Million | +12.66% |
| 1994-12-31 | $18.90 Million | +3.07% |
| 1993-12-31 | $18.34 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Citizens Financial Services Inc. Common Stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1947.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $213.62 Million | 63.19% |
| Common Stock | $5.26 Million | 1.55% |
| Other Comprehensive Income | $-12.38 Million | -3.66% |
| Other Components | $131.55 Million | 38.91% |
| Total Equity | $338.05 Million | 100.00% |
Citizens Financial Services Inc. Common Stock Competitors by Market Cap
The table below lists competitors of Citizens Financial Services Inc. Common Stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Companhia Brasileira de Distribuição
F:C1B2
|
$287.63 Million |
|
Vátryggingafélag Íslands hf
IC:SKAGI
|
$287.80 Million |
|
E Split Corp Class A
TO:ENS
|
$287.82 Million |
|
Oncology Institute Inc
NASDAQ:TOI
|
$287.99 Million |
|
Microbio Co Ltd
TWO:4128
|
$287.22 Million |
|
NACCO Industries Inc
NYSE:NC
|
$286.94 Million |
|
Norwood Financial Corp
NASDAQ:NWFL
|
$286.90 Million |
|
Rossari Biotech Limited
NSE:ROSSARI
|
$286.86 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Citizens Financial Services Inc. Common Stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 299,734,000 to 338,051,000, a change of 38,317,000 (12.8%).
- Net income of 36,572,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 11,144,000.
- Other factors decreased equity by 9,399,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $36.57 Million | +10.82% |
| Other Comprehensive Income | $11.14 Million | +3.3% |
| Other Changes | $-9.40 Million | -2.78% |
| Total Change | $- | 12.78% |
Book Value vs Market Value Analysis
This analysis compares Citizens Financial Services Inc. Common Stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.87x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 12.85x to 0.87x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1993-12-31 | $4.77 | $61.32 | x |
| 1994-12-31 | $4.92 | $61.32 | x |
| 1995-12-31 | $5.58 | $61.32 | x |
| 1996-12-31 | $5.94 | $61.32 | x |
| 1997-12-31 | $6.74 | $61.32 | x |
| 1998-12-31 | $7.39 | $61.32 | x |
| 1999-12-31 | $7.05 | $61.32 | x |
| 2000-12-31 | $8.13 | $61.32 | x |
| 2001-12-31 | $8.79 | $61.32 | x |
| 2002-12-31 | $10.20 | $61.32 | x |
| 2003-12-31 | $10.30 | $61.32 | x |
| 2004-12-31 | $10.68 | $61.32 | x |
| 2005-12-31 | $11.16 | $61.32 | x |
| 2006-12-31 | $11.84 | $61.32 | x |
| 2007-12-31 | $13.48 | $61.32 | x |
| 2008-12-31 | $14.75 | $61.32 | x |
| 2009-12-31 | $17.24 | $61.32 | x |
| 2010-12-31 | $19.29 | $61.32 | x |
| 2011-12-31 | $22.98 | $61.32 | x |
| 2012-12-31 | $25.47 | $61.32 | x |
| 2013-12-31 | $26.49 | $61.32 | x |
| 2014-12-31 | $29.09 | $61.32 | x |
| 2015-12-31 | $34.73 | $61.32 | x |
| 2016-12-31 | $32.78 | $61.32 | x |
| 2017-12-31 | $34.56 | $61.32 | x |
| 2018-12-31 | $37.40 | $61.32 | x |
| 2019-12-31 | $41.80 | $61.32 | x |
| 2020-12-31 | $49.03 | $61.32 | x |
| 2021-12-31 | $52.27 | $61.32 | x |
| 2022-12-31 | $49.43 | $61.32 | x |
| 2023-12-31 | $63.19 | $61.32 | x |
| 2024-12-31 | $63.04 | $61.32 | x |
| 2025-12-31 | $70.43 | $61.32 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Citizens Financial Services Inc. Common Stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.82%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 21.11%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.07x
- Recent ROE (10.82%) is below the historical average (12.85%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1993 | 13.22% | 26.25% | 0.04x | 11.79x | $590.00K |
| 1994 | 13.89% | 28.12% | 0.04x | 12.30x | $734.70K |
| 1995 | 13.31% | 25.16% | 0.05x | 11.60x | $704.30K |
| 1996 | 13.11% | 24.10% | 0.04x | 12.35x | $712.60K |
| 1997 | 14.78% | 26.85% | 0.05x | 11.37x | $1.24 Million |
| 1998 | 12.20% | 24.17% | 0.05x | 10.96x | $629.20K |
| 1999 | 13.12% | 13.58% | 0.08x | 12.58x | $844.80K |
| 2000 | 10.50% | 11.11% | 0.07x | 13.53x | $153.10K |
| 2001 | 11.25% | 11.28% | 0.08x | 12.61x | $418.10K |
| 2002 | 14.57% | 17.26% | 0.07x | 11.27x | $1.75 Million |
| 2003 | 12.66% | 15.78% | 0.07x | 12.04x | $1.03 Million |
| 2004 | 12.91% | 17.05% | 0.06x | 12.24x | $1.19 Million |
| 2005 | 12.69% | 15.80% | 0.06x | 12.73x | $1.12 Million |
| 2006 | 13.33% | 15.44% | 0.07x | 13.15x | $1.45 Million |
| 2007 | 13.88% | 16.39% | 0.07x | 12.18x | $1.88 Million |
| 2008 | 13.09% | 17.98% | 0.06x | 12.67x | $1.63 Million |
| 2009 | 16.03% | 22.19% | 0.06x | 11.86x | $3.71 Million |
| 2010 | 16.74% | 25.39% | 0.06x | 11.83x | $4.63 Million |
| 2011 | 15.75% | 28.38% | 0.05x | 10.78x | $4.69 Million |
| 2012 | 15.89% | 30.87% | 0.05x | 9.86x | $5.27 Million |
| 2013 | 14.53% | 30.64% | 0.05x | 9.94x | $4.17 Million |
| 2014 | 13.31% | 31.39% | 0.05x | 9.20x | $3.33 Million |
| 2015 | 9.71% | 26.99% | 0.04x | 9.71x | $-350.00K |
| 2016 | 10.25% | 24.83% | 0.04x | 9.92x | $311.20K |
| 2017 | 10.10% | 22.95% | 0.04x | 10.56x | $123.90K |
| 2018 | 12.95% | 27.96% | 0.05x | 10.28x | $4.11 Million |
| 2019 | 12.59% | 27.70% | 0.05x | 9.47x | $4.01 Million |
| 2020 | 12.92% | 30.72% | 0.04x | 9.74x | $5.68 Million |
| 2021 | 13.70% | 34.05% | 0.04x | 10.09x | $7.87 Million |
| 2022 | 14.52% | 31.22% | 0.04x | 11.66x | $9.05 Million |
| 2023 | 6.37% | 12.84% | 0.05x | 10.64x | $-10.16 Million |
| 2024 | 9.28% | 16.50% | 0.06x | 10.09x | $-2.16 Million |
| 2025 | 10.82% | 21.11% | 0.06x | 9.07x | $2.77 Million |
Industry Comparison
This section compares Citizens Financial Services Inc. Common Stock's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Citizens Financial Services Inc. Common Stock (CZFS) | $338.05 Million | 13.22% | 8.07x | $287.27 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Citizens Financial Services Inc. Common Stock
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state… Read more