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Profile - Citizens Financial Serv. (OTC BB:CZFS.OB)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Insider
Recent Events
July 27Dividend payment of $0.158
Location
15 South Main Street
Mansfield, PA 16933
Phone: (570) 662-2121
Fax: (570) 662-2365
Employees (last reported count): 128
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 11%
·Over the last 6 months:
 · 8 insider buys; 1,000  shares (0.3% of insider shares)
·Institutional: 0% (0% of float)
(one institution)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens Financial Services, Inc. is the holding company of First Citizens National Bank. The Bank is a national banking association headquartered in Mansfield, Pennsylvania and operating ten full-service banking offices in Potter, Tioga and Bradford counties. The Bank provides a comprehensive range of services including consumer loans, residential real estate loans, commercial loans, and loans to various state and municipal entities. Deposit programs encompass the full range of consumer as well as commercial checking and savings accounts. Deposit products also include certificates of deposit and individual retirement accounts. A comprehensive menu of trust and investment services also is available. The Company's principal sources of revenue are derived from its loan and investment portfolios.
More from Market Guide: Expanded Business Description

Financial Summary
Citizens Financial Services is a bank holding company for First Citizens National Bank, with 10 offices serving northern PA and southern NY. For the six months ended 6/30/01, total interest income rose 15% to $14.5 million. Net interest income after loan loss provision rose 19% to $6.7 million. Net income remained flat at $1.8 million. Results reflect increased earning asset balances and lower interest on borrowed funds, offset by higher personnel expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

R. Lowell Coolidge, 60
Chairman
--  
Richard Wilber, 52
Pres, CEO, Director
$176K
Thomas Lyman, 55
Treasurer
--  
Terry Osborne, 47
Sec.
110K
Randall Black, 34
Assistant Treasurer
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:CZFS.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 12-Sep-2000
$10.644
Recent Price$13.25 
52-Week High
on 11-July-2001
$14.356
Beta-0.11 
Daily Volume (3-month avg)455 
Daily Volume (10-day avg)2,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+20.3%
52-Week Change
relative to S&P500
+61.4%
Share-Related Items
Market Capitalization$37.1M
Shares Outstanding2.80M
Float2.50M
Dividends & Splits
Annual Dividend (indicated)$0.63 
Dividend Yield4.79%
Last Split: 97 for 96 on 19-July-2001
Per-Share Data
Book Value (mrq)$11.50 
Earnings (ttm)$1.15 
Earnings (mrq)$0.37 
Sales (ttm)$10.03 
Cash (mrq)$9.96 
Valuation Ratios
Price/Book (mrq)1.15 
Price/Earnings (ttm)11.56 
Price/Sales (ttm)1.32 
Income Statements
Sales (ttm)$28.1M
EBITDAN/A 
Income available to common (ttm)$3.20M
Profitability
Profit Margin (ttm)11.4%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.82%
Return on Equity (ttm)10.62%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$27.6M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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