Citizens Financial Services Inc  

(Public, OTCBB:CZFS)   Watch this stock  
Find more results for TERRY ROBERT FREEMAN´┐Ż
0.00 (0.00%)
Nov 24 - Close
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Currency in USD
Range     -
52 week 45.50 - 53.75
Open     -
Vol / Avg. 0.00/402.00
Mkt cap 138.83M
P/E 11.07
Div/yield 0.41/3.55
EPS 4.18
Shares 3.00M
Beta -0.04
Inst. own 3%
Jan 20, 2016
Q4 2015 Citizens Financial Services Inc Earnings Release (Estimated) Add to calendar
Oct 29, 2015
Q3 2015 Citizens Financial Services Inc Earnings Release

Key stats and ratios

Q3 (Sep '15) 2014
Net profit margin 30.04% 35.51%
Operating margin 37.20% 44.95%
EBITD margin - 47.98%
Return on average assets 1.21% 1.45%
Return on average equity 11.06% 13.90%
Employees 172 -
CDP Score - -


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

Website links


Citizens Financial Services, Inc. is a Pennsylvania-chartered bank and trust company, operated under the name First Citizens National Bank (the Bank). The Company is 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 is a service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These activities and services include checking, savings, and time 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. The Trust and Investment division of the Bank offers a range of client investment, estate, mineral management and retirement services. The Company operates 20 banking facilities, 17 of which operate as bank branches.

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