64.7 USD
-0.84 (-1.28%)
We assign a fundamental rating of 4 out of 10 to CZFS. CZFS was compared to 383 industry peers in the Banks industry. While CZFS is still in line with the averages on profitability rating, there are concerns on its financial health. CZFS has a decent growth rate and is not valued too expensively. Finally CZFS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- CZFS had positive earnings in the past year.
- In the past year CZFS had a positive cash flow from operations.
- Each year in the past 5 years CZFS has been profitable.
- In the past 5 years CZFS always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.11%, CZFS is in the better half of the industry, outperforming 72.32% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 10.40%, CZFS is in the better half of the industry, outperforming 66.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 10.4% | ||
| ROIC | N/A |
ROA(3y)0.92%
ROA(5y)1.09%
ROE(3y)10.06%
ROE(5y)11.36%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 31.27%, CZFS belongs to the top of the industry, outperforming 83.29% of the companies in the same industry.
- CZFS's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for CZFS so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.27% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-9.73%
PM growth 5Y-3.95%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CZFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, CZFS has about the same amount of shares outstanding.
- The number of shares outstanding for CZFS has been increased compared to 5 years ago.
- The debt/assets ratio for CZFS has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of CZFS is 9.78, which is on the high side as it means it would take CZFS, 9.78 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 9.78, CZFS is not doing good in the industry: 78.33% of the companies in the same industry are doing better.
- CZFS has a Debt/Equity ratio of 0.85. This is a neutral value indicating CZFS is somewhat dependend on debt financing.
- CZFS has a worse Debt to Equity ratio (0.85) than 83.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 9.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- CZFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.58%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 2.28% on average over the past years.
- Looking at the last year, CZFS shows a small growth in Revenue. The Revenue has grown by 7.88% in the last year.
- The Revenue has been growing by 11.79% on average over the past years. This is quite good.
EPS 1Y (TTM)23.58%
EPS 3Y-6.27%
EPS 5Y2.28%
EPS Q2Q%32.76%
Revenue 1Y (TTM)7.88%
Revenue growth 3Y9.11%
Revenue growth 5Y11.79%
Sales Q2Q%17.9%
3.2 Future
- CZFS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.34% yearly.
- Based on estimates for the next years, CZFS will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.
EPS Next Y31.03%
EPS Next 2Y15.98%
EPS Next 3Y11.34%
EPS Next 5YN/A
Revenue Next Year11.97%
Revenue Next 2Y9.08%
Revenue Next 3Y7.38%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.11, which indicates a very decent valuation of CZFS.
- CZFS's Price/Earnings ratio is rather cheap when compared to the industry. CZFS is cheaper than 89.30% of the companies in the same industry.
- CZFS is valuated cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 8.24, which indicates a very decent valuation of CZFS.
- 88.25% of the companies in the same industry are more expensive than CZFS, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. CZFS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.11 | ||
| Fwd PE | 8.24 |
4.2 Price Multiples
- 61.36% of the companies in the same industry are more expensive than CZFS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.88 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- CZFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.29
PEG (5Y)4
EPS Next 2Y15.98%
EPS Next 3Y11.34%
5. Dividend
5.1 Amount
- CZFS has a Yearly Dividend Yield of 3.00%. Purely for dividend investing, there may be better candidates out there.
- CZFS's Dividend Yield is a higher than the industry average which is at 2.64.
- Compared to an average S&P500 Dividend Yield of 1.82, CZFS pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3% |
5.2 History
- The dividend of CZFS has a limited annual growth rate of 2.54%.
- CZFS has been paying a dividend for at least 10 years, so it has a reliable track record.
- CZFS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.54%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- 27.82% of the earnings are spent on dividend by CZFS. This is a low number and sustainable payout ratio.
- The dividend of CZFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.82%
EPS Next 2Y15.98%
EPS Next 3Y11.34%
CITIZENS FINANCIAL SERVICES / CZFS FAQ
What is the ChartMill fundamental rating of CITIZENS FINANCIAL SERVICES (CZFS) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CZFS.
What is the valuation status for CZFS stock?
ChartMill assigns a valuation rating of 6 / 10 to CITIZENS FINANCIAL SERVICES (CZFS). This can be considered as Fairly Valued.
What is the profitability of CZFS stock?
CITIZENS FINANCIAL SERVICES (CZFS) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for CZFS stock?
The Price/Earnings (PE) ratio for CITIZENS FINANCIAL SERVICES (CZFS) is 9.11 and the Price/Book (PB) ratio is 0.95.
What is the earnings growth outlook for CITIZENS FINANCIAL SERVICES?
The Earnings per Share (EPS) of CITIZENS FINANCIAL SERVICES (CZFS) is expected to grow by 31.03% in the next year.