Citizens Financial Services, Inc.
Financial ServicesNASDAQ:CZFS · NASDAQ Capital Market
+$1.93 today
Vol 0.01M · Avg 0.01M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Return Metrics
ROE, ROIC & ROA over time
ROE
10.8%
avg 11.2%
ROIC
5.3%
avg 6.1%
ROA
1.2%
avg 1.1%
Analysis
ROE is currently the strongest return metric at 10.8% versus its period average of 11.2%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
Randall E. Black | Vice Chairman, President & Chief Executive Officer | $780,457.00 | — | 59 | $13,171.43 | 0.27% |
Jeffrey R. White | Chief Operating Officer | $351,662.00 | — | 40 | $1,674.00 | 0.03% |
Jeffrey L. Wilson | Executive Vice President & Chief Lending Officer of First Citizens Community Bank | $319,126.00 | — | 64 | $1,674.00 | 0.03% |
Stephen J. Guillaume | Executive Vice President & Chief Financial Officer | $300,268.00 | — | 49 | $4,718.35 | 0.10% |
Jeffrey Carr | Senior Vice President & Chief Retail Banking Officer of First Citizens Community Bank | $153,636.00 | — | 56 | $1,674.00 | 0.03% |
Kathleen Campbell CFMP | Senior Vice President, CFMP & Director of Marketing of First Citizens National Bank | $109,505.00 | — | 65 | $0.00 | <0.01% |
Cynthia T. Pazzaglia | Senior Vice President of Human Resources | — | — | 67 | $6,601.00 | 0.14% |
Marina Smalanaskas | Senior Vice President & Southcentral Market Executive | — | — | 54 | $0.00 | <0.01% |
Gina Marie Boor | Corporate Secretary | — | — | — | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
9
$81,576.68
Sells
4
$184,355.82
Net Sentiment
$102,779.14
Net selling
Most Active
Guillaume Stephen J
4 transactions
1–10 of 13
Analysis
Insiders reported 9 buys worth $81,576.68 and 4 sells worth $184,355.82 over the last 12 months. That adds up to net selling of $102,779.14. Guillaume Stephen J was the most active insider with 4 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | -6.3% | +7.8% (12yr)1 analysts |
| Revenue | N/A | N/A | -2.2% | +9.1% (12yr)1 analysts |
| Net Income | N/A | N/A | -6.5% | +10.8% (12yr)1 analysts |
| EBIT | N/A | N/A | -8.2% | +7.6% (12yr)1 analysts |
Analysis
Recent growth has been strongest in Revenue at -2.2% over three years. Forward estimates point to Net Income at +10.8% (12yr), giving you a quick check on whether expectations are accelerating or cooling.
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Who manages CZFS?
Citizens Financial Services, Inc. (CZFS) lists 9 active executives. The top listed executive is Stephen J. Guillaume, Executive Vice President & Chief Financial Officer.
Are CZFS insiders buying or selling?
Recent insider activity shows net buying of $329,168.03.
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