Citizens Financial Services Inc  

(Public, OTCBB:CZFS)   Watch this stock  
Find more results for TERRY ROBERT FREEMAN´┐Ż
-0.25 (-0.50%)
May 22 - Close
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Currency in USD
Range 49.05 - 49.75
52 week 49.05 - 55.00
Open 49.15
Vol / Avg. 2,380.00/229.00
Mkt cap 150.27M
P/E 11.33
Div/yield 0.41/3.26
EPS 4.39
Shares 3.02M
Beta 0.13
Inst. own 3%
Apr 27, 2015
Q1 2015 Citizens Financial Services Inc Earnings Release

Key stats and ratios

Q1 (Mar '15) 2014
Net profit margin 33.49% 35.51%
Operating margin 41.44% 44.95%
EBITD margin - 47.98%
Return on average assets 1.35% 1.45%
Return on average equity 12.34% 13.90%
Employees 172 -
CDP Score - -


United States - Map
+1-570-6622121 (Phone)

Website links


Citizens Financial Services, Inc. is a bank holding company for First Citizens Community Bank (the Bank). The Company is primarily engaged in the ownership and management of the Bank and the Bank’s wholly owned insurance agency subsidiary, First Citizens Insurance Agency, Inc. The Bank’s primary market area consists of the Pennsylvania Counties of Bradford, Potter and Tioga in North Central Pennsylvania. It also includes Allegany, Steuben, Chemung and Tioga Counties in Southern New York. In addition to the main office, the Bank has 16 other full service branch offices in its market area and loan production offices located in Clinton and Luzerne Counties in Pennsylvania. These activities and services principally include checking, savings, time and deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans, and a variety of other specialized financial services.

Officers and directors

Randall E. Black President, Chief Executive Officer, Director
Age: 48
Mickey L. Jones Chief Financial Officer, Chief Operating Officer, Executive Vice President, Treasurer of the company and the Bank
Age: 54
Terry B. Osborne Executive Vice President, Chief Credit Officer and Secretary of the Company and Bank
Age: 61
Jeffrey B. Carr Senior Vice President, Chief Retail Banking Officer
Age: 45
Gregory J. Anna Senior Vice President, Information Systems Manager of the Bank
Age: 53
Kathleen M. Campbell Senior Vice President - Marketing Manager for the Bank
Age: 54
Robert B. Mosso Senior Vice President - Wealth Management Division Manager of the Bank
Age: 44
Cynthia T. Pazzaglia Senior Vice President , Human Resource Manager of the Bank
Age: 56
Jeffrey L. Wilson Senior Vice President, Chief Lending Officer of the Bank
Age: 53
Robert W. Chappell Independent Director
Age: 48