Citizens Gross Profit vs Interest Income Analysis

CZFS Stock

USD 69.39 0.67 0.96%

Citizens Financial financial indicator trend analysis is way more than just evaluating Citizens Financial prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Citizens Financial is a good investment. Please check the relationship between Citizens Financial Gross Profit and its Interest Income accounts. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Gross Profit vs Interest Income

Gross Profit vs Interest Income Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Citizens Financial Gross Profit account and Interest Income. At this time, the significance of the direction appears to have very strong relationship.

The correlation between Citizens Financial's Gross Profit and Interest Income is 0.8. Overlapping area represents the amount of variation of Gross Profit that can explain the historical movement of Interest Income in the same time period over historical financial statements of Citizens Financial Services, assuming nothing else is changed. The correlation between historical values of Citizens Financial's Gross Profit and Interest Income is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Gross Profit of Citizens Financial Services are associated (or correlated) with its Interest Income. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Interest Income has no effect on the direction of Gross Profit i.e., Citizens Financial's Gross Profit and Interest Income go up and down completely randomly.

Correlation Coefficient

0.8

Relationship Direction	Positive
Relationship Strength	Strong

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Gross Profit

Gross profit is a required income statement account that reflects total revenue of Citizens Financial Services minus its cost of goods sold. It is profit before Citizens Financial operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Interest Income

Income earned from the investment of cash or from lending money to others, including interest from bank accounts, bonds, or other interest-bearing investments.

Most indicators from Citizens Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Citizens Financial current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Selling General Administrative is likely to gain to about 38.3 M in 2024. Tax Provision is likely to gain to about 5.2 M in 2024

	2021	2022	2023	2024 (projected)
Interest Expense	7.1M	11.2M	46.9M	49.2M
Depreciation And Amortization	1.1M	1.0M	1.5M	1.6M

Interest Expense Depreciation And Amortization

Citizens Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Common Stock	Total Current Liabilities	Accounts Payable	Inventory	Other Current Assets	Other Liab	Long Term Debt	Good Will	Short Term Investments
Total Assets		0.91	0.99	0.92	0.68	0.98	0.41	0.63	0.49	0.36	0.76	0.93	0.82	0.52	0.97	1.0	0.45	0.73	0.76	0.58	0.59	-0.46	0.67	0.91	0.92	0.74
Short Long Term Debt Total	0.91		0.86	0.89	0.92	0.85	0.03	0.74	0.67	0.13	0.55	0.95	0.78	0.65	0.92	0.91	0.17	0.54	0.84	0.74	0.54	-0.4	0.35	0.99	0.91	0.61
Total Stockholder Equity	0.99	0.86		0.93	0.62	0.98	0.45	0.62	0.48	0.36	0.78	0.91	0.8	0.51	0.96	0.99	0.45	0.75	0.74	0.55	0.59	-0.47	0.7	0.87	0.91	0.75
Property Plant And Equipment Net	0.92	0.89	0.93		0.74	0.87	0.19	0.85	0.75	0.02	0.65	0.92	0.7	0.77	0.95	0.92	0.1	0.64	0.88	0.68	0.42	-0.32	0.5	0.89	0.96	0.67
Net Debt	0.68	0.92	0.62	0.74		0.62	-0.37	0.73	0.74	-0.09	0.28	0.82	0.55	0.68	0.72	0.68	-0.13	0.33	0.77	0.72	0.37	-0.28	0.04	0.89	0.76	0.43
Retained Earnings	0.98	0.85	0.98	0.87	0.62		0.44	0.52	0.37	0.47	0.83	0.85	0.74	0.4	0.9	0.98	0.54	0.8	0.63	0.42	0.57	-0.49	0.73	0.85	0.82	0.81
Cash	0.41	0.03	0.45	0.19	-0.37	0.44		-0.14	-0.33	0.57	0.57	0.15	0.43	-0.23	0.3	0.4	0.76	0.49	-0.01	-0.13	0.32	-0.23	0.78	0.07	0.19	0.35
Non Current Assets Total	0.63	0.74	0.62	0.85	0.73	0.52	-0.14		0.98	-0.5	0.35	0.76	0.45	0.99	0.73	0.63	-0.4	0.31	0.89	0.75	0.08	0.0	0.09	0.71	0.83	0.43
Non Currrent Assets Other	0.49	0.67	0.48	0.75	0.74	0.37	-0.33	0.98		-0.61	0.17	0.67	0.35	0.99	0.62	0.49	-0.56	0.17	0.85	0.75	-0.02	0.08	-0.08	0.64	0.74	0.28
Other Assets	0.36	0.13	0.36	0.02	-0.09	0.47	0.57	-0.5	-0.61		0.41	0.13	0.37	-0.61	0.2	0.36	0.96	0.45	-0.23	-0.25	0.57	-0.52	0.63	0.18	0.03	0.3
Cash And Short Term Investments	0.76	0.55	0.78	0.65	0.28	0.83	0.57	0.35	0.17	0.41		0.58	0.49	0.24	0.66	0.76	0.54	0.73	0.38	0.11	0.37	-0.46	0.72	0.53	0.57	0.97
Net Receivables	0.93	0.95	0.91	0.92	0.82	0.85	0.15	0.76	0.67	0.13	0.58		0.83	0.67	0.97	0.93	0.2	0.5	0.92	0.83	0.64	-0.5	0.4	0.95	0.98	0.59
Common Stock Shares Outstanding	0.82	0.78	0.8	0.7	0.55	0.74	0.43	0.45	0.35	0.37	0.49	0.83		0.35	0.86	0.83	0.46	0.49	0.68	0.67	0.63	-0.4	0.58	0.83	0.81	0.42
Non Current Liabilities Total	0.52	0.65	0.51	0.77	0.68	0.4	-0.23	0.99	0.99	-0.61	0.24	0.67	0.35		0.64	0.52	-0.52	0.2	0.86	0.74	-0.01	0.07	-0.02	0.62	0.75	0.33
Other Stockholder Equity	0.97	0.92	0.96	0.95	0.72	0.9	0.3	0.73	0.62	0.2	0.66	0.97	0.86	0.64		0.97	0.29	0.6	0.87	0.74	0.59	-0.44	0.54	0.93	0.98	0.64
Total Liab	1.0	0.91	0.99	0.92	0.68	0.98	0.4	0.63	0.49	0.36	0.76	0.93	0.83	0.52	0.97		0.44	0.73	0.76	0.58	0.59	-0.46	0.66	0.92	0.92	0.73
Total Current Assets	0.45	0.17	0.45	0.1	-0.13	0.54	0.76	-0.4	-0.56	0.96	0.54	0.2	0.46	-0.52	0.29	0.44		0.48	-0.13	-0.18	0.58	-0.51	0.71	0.21	0.12	0.39
Common Stock	0.73	0.54	0.75	0.64	0.33	0.8	0.49	0.31	0.17	0.45	0.73	0.5	0.49	0.2	0.6	0.73	0.48		0.28	0.01	0.25	-0.23	0.88	0.53	0.51	0.71
Total Current Liabilities	0.76	0.84	0.74	0.88	0.77	0.63	-0.01	0.89	0.85	-0.23	0.38	0.92	0.68	0.86	0.87	0.76	-0.13	0.28		0.93	0.5	-0.37	0.15	0.83	0.94	0.42
Accounts Payable	0.58	0.74	0.55	0.68	0.72	0.42	-0.13	0.75	0.75	-0.25	0.11	0.83	0.67	0.74	0.74	0.58	-0.18	0.01	0.93		0.53	-0.35	-0.06	0.74	0.83	0.13
Inventory	0.59	0.54	0.59	0.42	0.37	0.57	0.32	0.08	-0.02	0.57	0.37	0.64	0.63	-0.01	0.59	0.59	0.58	0.25	0.5	0.53		-0.92	0.31	0.53	0.55	0.32
Other Current Assets	-0.46	-0.4	-0.47	-0.32	-0.28	-0.49	-0.23	0.0	0.08	-0.52	-0.46	-0.5	-0.4	0.07	-0.44	-0.46	-0.51	-0.23	-0.37	-0.35	-0.92		-0.24	-0.37	-0.4	-0.45
Other Liab	0.67	0.35	0.7	0.5	0.04	0.73	0.78	0.09	-0.08	0.63	0.72	0.4	0.58	-0.02	0.54	0.66	0.71	0.88	0.15	-0.06	0.31	-0.24		0.4	0.42	0.6
Long Term Debt	0.91	0.99	0.87	0.89	0.89	0.85	0.07	0.71	0.64	0.18	0.53	0.95	0.83	0.62	0.93	0.92	0.21	0.53	0.83	0.74	0.53	-0.37	0.4		0.92	0.58
Good Will	0.92	0.91	0.91	0.96	0.76	0.82	0.19	0.83	0.74	0.03	0.57	0.98	0.81	0.75	0.98	0.92	0.12	0.51	0.94	0.83	0.55	-0.4	0.42	0.92		0.58
Short Term Investments	0.74	0.61	0.75	0.67	0.43	0.81	0.35	0.43	0.28	0.3	0.97	0.59	0.42	0.33	0.64	0.73	0.39	0.71	0.42	0.13	0.32	-0.45	0.6	0.58	0.58

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Citizens Financial Account Relationship Matchups

Citizens Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.5B	1.9B	2.1B	2.3B	3.0B	3.1B
Short Long Term Debt Total	85.1M	88.8M	74.0M	257.3M	322.0M	338.1M
Total Stockholder Equity	154.8M	194.3M	212.5M	200.1M	279.7M	293.6M
Property Plant And Equipment Net	15.9M	16.9M	17.0M	17.6M	32.5M	34.1M
Net Debt	52.3M	6.4M	(109.9M)	225.0M	265.1M	278.4M
Retained Earnings	110.8M	126.6M	146.0M	164.9M	173.0M	181.6M
Cash	32.8M	82.5M	183.9M	32.3M	52.8M	29.4M
Non Current Assets Total	282.0M	347.1M	464.7M	492.0M	2.9B	3.1B
Non Currrent Assets Other	(5.8M)	(9.9M)	(464.7M)	(12.9M)	2.4B	2.5B
Other Assets	906.3M	1.2B	1.1B	1.4B	6.4M	6.1M
Cash And Short Term Investments	273.5M	377.7M	596.3M	471.8M	470.4M	493.9M
Net Receivables	4.6M	6.0M	5.2M	7.3M	11.0M	11.6M
Common Stock Shares Outstanding	3.7M	3.9M	4.0M	4.0M	4.4M	4.1M
Liabilities And Stockholders Equity	1.5B	1.9B	2.1B	2.3B	3.0B	3.1B
Non Current Liabilities Total	85.1M	88.8M	74.0M	1.2M	2.7B	2.8B
Other Stockholder Equity	40.7M	60.7M	62.2M	63.9M	126.4M	132.8M
Total Liab	1.3B	1.7B	1.9B	2.1B	2.7B	2.8B
Total Current Assets	278.0M	383.7M	601.5M	479.1M	52.8M	66.8M
Common Stock	3.9M	4.4M	4.4M	4.4M	5.2M	3.4M
Accumulated Other Comprehensive Income	(629K)	2.6M	(155K)	(33.1M)	(24.9M)	(23.7M)
Total Current Liabilities	1.1M	1.0M	711K	1.2M	1.9B	2.0B
Accounts Payable	1.1M	1.0M	711K	1.2M	4.3M	4.5M
Inventory	(43.8M)	(90.3M)	(190.3M)	(40.1M)	26.7M	28.0M
Other Current Assets	43.8M	90.3M	190.3M	40.1M	68.5M	65.1M
Other Liab	12.4M	18.7M	20.5M	15.2M	17.4M	10.6M
Long Term Debt	85.1M	88.8M	74.0M	257.3M	322.0M	338.1M
Short Term Investments	240.7M	295.2M	412.4M	439.5M	417.6M	438.5M
Intangible Assets	1.3M	1.7M	1.6M	1.3M	3.7M	4.9M
Property Plant Equipment	17.1M	16.9M	17.0M	17.6M	20.3M	15.2M
Short Term Debt	56.4M	62.3M	47.3M	230.7M	213.7M	224.4M
Other Current Liab	(1.1M)	(1.0M)	(711K)	(1.2M)	(4.3M)	(4.1M)
Net Tangible Assets	130.8M	161.2M	179.5M	167.5M	192.6M	135.0M
Long Term Investments	241.4M	1.7B	1.8B	441.7M	419.5M	722.4M

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