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Citizens Financial Services Inc. (CZFS) Peer Comparison

Stock Card factsheet share-fund-plan-icon

$82.92

up-down-arrow $-0.67 (-0.80%)

As on 04-Sep-2026 16:00EDT

Market cap

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$399 Mln

Revenue (TTM)

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$176 Mln

P/E Ratio

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9.8

P/B Ratio

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1.1

Div. Yield

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2.4 %

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Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Market cap ($ Mln)
 399 17,917 16,894 18,774 11,816
Revenue ($ Mln)
 176 4,716 4,850,848 9,224,159 4,633
Net Profit ($ Mln)
 41.05 1,446.16 1,127,054.00 3,289,261.15 1,057.00
Net Margin (%)
 23.34 30.67 23.23 35.66 22.81
RoE (%)
 11.88 15.94 20.82 8.53 11.56
Price to Earnings
 9.78 12.55 13.95 8.53 11.99
Price-To-Book
 1.13 1.91 3.09 0.65 1.37

Income Statement ($ Mln)

Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Operating Revenue arrow
175.88 4,715.66 4,850,848.00 9,224,158.74 4,633.00
Cost of Revenue arrow
60.03 1,782.73 1,785,978.00 11,019,213.44 1,142.00
Gross Profit arrow
109.70 2,736.64 2,275,837.00 4,115,603.00 3,356.00
Operating Expenses arrow
65.51 1,075.90 1,693,275.00 7,059,973.38 2,106.00
Operating Profit (EBIT) arrow
50.34 1,857.03 1,371,595.00 4,258,048.74 1,385.00
Other Income arrow
0.00 0.00 0.00 0.00 0.00
Profit before Tax arrow
50.34 1,857.03 1,371,595.00 4,258,048.74 1,370.00
Provision for Tax arrow
9.29 410.87 219,797.00 921,201.59 298.00
Profit after Tax (Net Income) arrow
41.05 1,446.16 1,127,054.00 3,289,261.15 1,057.00
Minority Interest arrow
0.00 0.00 -24,744.00 -95,997.00 -16.00
Consolidated Profit arrow
0.00 0.00 0.00 1,497,940.00 511.00

Liabilities ($ Mln)

Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Shareholder's Funds arrow
352.83 9,245.93 4,974,214.00 38,884,732.00 9,168.00
Minority Interest arrow
0.00 0.00 -24,744.00 -95,997.00 -16.00
Non-Current Liabilities arrow
2,839.28 4,588.90 29,508,900.00 529,411,287.92 71,971.00
Current Liabilities arrow
3.36 69,657.16 35,676,111.00 62,140,450.84 3,003.00
Total Liabilities arrow
3,064.56 80,435.00 68,147,280.00 601,457,286.00 83,876.00

Assets ($ Mln)

Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Non-Current Assets arrow
3,150.85 62,184.44 60,607,845.00 605,001,903.54 83,403.00
Current Assets arrow
41.27 21,277.31 9,715,486.00 23,527,718.90 1,034.00
Total Assets arrow
3,064.56 80,435.00 68,147,280.00 601,457,286.00 83,876.00
Total Debt* arrow
394.02 3,992.35 13,883,464.00 102,499,260.21 4,324.00
Net Current Assets arrow
0.00 0.00 0.00 0.00 0.00

Cashflow ($ Mln)

Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Cash From Operating Activities arrow
36.53 1,501.70 704,904.49 13,642,391.00 988.00
Cash Flow from Investing Activities arrow
-40.08 -5,476.51 -1,292,537.89 -9,880,603.00 -1,454.00
Cash from Financing Activities arrow
-4.37 2,897.23 -50,055.82 7,685,336.00 524.00
Net Cash Inflow / Outflow arrow
-- -- -- -- --

Ratios

Profitability Ratios

 Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
ROCE (%) arrow
5.88 11.26 4.87 2.65 7.33
ROE (%) arrow
11.88 15.94 20.82 8.53 11.56
ROA (%) arrow
1.30 1.54 1.46 0.51 1.18
EBIT Margin (%) arrow
28.62 39.38 28.28 27.91 22.53
Net Margin (%) arrow
23.34 30.67 23.23 35.66 22.81
Cash Profit Margin (%) arrow
0.00 0.00 0.00 0.00 0.00

Growth Ratios

 Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Revenue Growth (%) arrow
3.20 16.07 19.86 -63.66 -3.82
EBIT Growth (%) arrow
30.46 20.70 5.51 -33.70 -3.78
Net Profit Growth (%) arrow
29.90 21.24 5.79 14.11 25.39
EPS Growth (%) arrow
28.95 21.72 7.64 14.22 33.89
Book Value Growth (%) arrow
12.47 12.91 10.19 12.25 9.54

Valuation Ratios

 Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Price / Earnings arrow
7.48 11.80 0.01 0.00 12.06
Price / Book Value arrow
1.13 1.91 3.09 0.65 1.37
Dividend Yield (%) arrow
2.40 2.14 4.13 3.71 2.56
EV/EBITDA arrow
12.43 3.50 6.15 9.78 8.36
Market Cap ($ Cr) arrow
-- -- -- -- --

Solvency Ratios

 Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Debt to Equity arrow
1.12 0.33 2.13 0.00 0.14
Short term debt to equity ratio arrow
0.00 0.10 0.65 1.60 0.33
Current Ratio arrow
12.29 0.31 0.27 0.38 0.34
Quick Ratio arrow
12.29 0.31 0.27 0.38 0.34
Interest Coverage arrow
1.87 2.13 1.79 1.45 1.93

Operating Efficiency Ratios

 Citizens Financial Services Inc. (CZFS) East West Bancorp (EWBC) Banco Santander - Chile ADS - ADR Woori Financial Group Inc (WF) First Horizon National Corporation (FHN)
Debtors to sales (%) arrow
6.21 0.00 0.00 0.00 0.00
Asset Turnover arrow
0.06 0.05 0.06 0.01 0.05
Receivable days arrow
22.14 24.86 54.29 1,170.63 4,646.62
Inventory Days arrow
-- -- -- -- --
Payable days arrow
22.48 -- 90.12 193.65 15,129.51
Cash Conversion Cycle arrow
-- -- -- -- --
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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