CITIZENS FINANCIAL SERVICES (CZFS) Stock Fundamental Analysis
USA - NASDAQ:CZFS - US1746151042 - Common Stock
56.17 USD
-0.84 (-1.47%)
56.17 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CZFS. CZFS was compared to 388 industry peers in the Banks industry. CZFS has a medium profitability rating, but doesn't score so well on its financial health evaluation. CZFS scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year CZFS was profitable.
CZFS had a positive operating cash flow in the past year.
In the past 5 years CZFS has always been profitable.
Each year in the past 5 years CZFS had a positive operating cash flow.
1.2 Ratios
CZFS's Return On Assets of 1.11% is fine compared to the rest of the industry. CZFS outperforms 73.71% of its industry peers.
CZFS's Return On Equity of 10.40% is fine compared to the rest of the industry. CZFS outperforms 67.27% of its industry peers.
| 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
The Profit Margin of CZFS (31.27%) is better than 84.02% of its industry peers.
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.
Compared to 5 years ago, CZFS has more shares outstanding
The debt/assets ratio for CZFS has been reduced compared to a year ago.
2.2 Solvency
CZFS has a debt to FCF ratio of 9.78. This is a negative value and a sign of low solvency as CZFS would need 9.78 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 9.78, CZFS is doing worse than 77.06% of the companies in the same industry.
A Debt/Equity ratio of 0.85 indicates that CZFS is somewhat dependend on debt financing.
CZFS has a worse Debt to Equity ratio (0.85) than 84.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 9.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.59%
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.
Measured over the past 5 years, CZFS shows a small growth in Earnings Per Share. The EPS has been growing by 2.28% on average per year.
CZFS shows a small growth in Revenue. In the last year, the Revenue has grown by 7.88%.
Measured over the past years, CZFS shows a quite strong growth in Revenue. The Revenue has been growing by 11.79% on average per year.
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
The Earnings Per Share is expected to grow by 13.32% on average over the next years. This is quite good.
Based on estimates for the next years, CZFS will show a quite strong growth in Revenue. The Revenue will grow by 8.61% on average per year.
EPS Next Y20.55%
EPS Next 2Y13.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.85%
Revenue Next 2Y8.61%
Revenue Next 3YN/A
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.91 indicates a rather cheap valuation of CZFS.
Compared to the rest of the industry, the Price/Earnings ratio of CZFS indicates a rather cheap valuation: CZFS is cheaper than 93.04% of the companies listed in the same industry.
CZFS is valuated cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.49, which indicates a rather cheap valuation of CZFS.
CZFS's Price/Forward Earnings ratio is rather cheap when compared to the industry. CZFS is cheaper than 86.86% of the companies in the same industry.
CZFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.59, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.91 | ||
| Fwd PE | 7.49 |
4.2 Price Multiples
CZFS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CZFS is cheaper than 69.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.45 | ||
| 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.
CZFS's earnings are expected to grow with 13.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)3.47
EPS Next 2Y13.32%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CZFS has a Yearly Dividend Yield of 3.51%.
Compared to an average industry Dividend Yield of 3.39, CZFS pays a bit more dividend than its industry peers.
CZFS's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
5.2 History
The dividend of CZFS has a limited annual growth rate of 2.54%.
CZFS has paid a dividend for at least 10 years, which is 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
CZFS pays out 27.82% of its income as dividend. This is a sustainable payout ratio.
CZFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.82%
EPS Next 2Y13.32%
EPS Next 3YN/A
56.17
-0.84 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners27.99%
Inst Owner Change1.31%
Ins Owners5.14%
Ins Owner Change0.58%
Market Cap270.18M
Revenue(TTM)108.95M
Net Income(TTM)34.07M
Analysts85.71
Price Target65.64 (16.86%)
Short Float %0.7%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.51% |
Yearly Dividend1.94
Dividend Growth(5Y)2.54%
DP27.82%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12%
Min EPS beat(2)7.58%
Max EPS beat(2)16.42%
EPS beat(4)4
Avg EPS beat(4)9.06%
Min EPS beat(4)5.28%
Max EPS beat(4)16.42%
EPS beat(8)5
Avg EPS beat(8)3.44%
EPS beat(12)8
Avg EPS beat(12)636.25%
EPS beat(16)8
Avg EPS beat(16)476.55%
Revenue beat(2)0
Avg Revenue beat(2)-0.95%
Min Revenue beat(2)-1.41%
Max Revenue beat(2)-0.5%
Revenue beat(4)0
Avg Revenue beat(4)-1.32%
Min Revenue beat(4)-2.61%
Max Revenue beat(4)-0.5%
Revenue beat(8)0
Avg Revenue beat(8)-3.21%
Revenue beat(12)2
Avg Revenue beat(12)-2.37%
Revenue beat(16)5
Avg Revenue beat(16)0.3%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)6.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.91 | ||
| Fwd PE | 7.49 | ||
| P/S | 2.48 | ||
| P/FCF | 9.45 | ||
| P/OCF | 8.92 | ||
| P/B | 0.82 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.1
EY12.64%
EPS(NY)7.5
Fwd EY13.35%
FCF(TTM)5.95
FCFY10.59%
OCF(TTM)6.3
OCFY11.21%
SpS22.65
BVpS68.13
TBVpS49.8
PEG (NY)0.39
PEG (5Y)3.47
Graham Number104.32
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.11% | ||
| ROE | 10.4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.27% | ||
| GM | N/A | ||
| FCFM | 26.25% |
ROA(3y)0.92%
ROA(5y)1.09%
ROE(3y)10.06%
ROE(5y)11.36%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 9.78 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 91.73% | ||
| Cap/Sales | 1.55% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 83.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.59%
ROIC/WACCN/A
Cap/Depr(3y)134.39%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.04%
Cap/Sales(5y)1.76%
Profit Quality(3y)119.21%
Profit Quality(5y)106.01%
High Growth Momentum
Growth
EPS 1Y (TTM)23.58%
EPS 3Y-6.27%
EPS 5Y2.28%
EPS Q2Q%32.76%
EPS Next Y20.55%
EPS Next 2Y13.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.88%
Revenue growth 3Y9.11%
Revenue growth 5Y11.79%
Sales Q2Q%17.9%
Revenue Next Year11.85%
Revenue Next 2Y8.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y73.97%
FCF growth 3Y-5.35%
FCF growth 5Y8.4%
OCF growth 1Y57.5%
OCF growth 3Y-4.99%
OCF growth 5Y8.79%
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.
Can you provide the valuation status for CITIZENS FINANCIAL SERVICES?
ChartMill assigns a valuation rating of 7 / 10 to CITIZENS FINANCIAL SERVICES (CZFS). This can be considered as Undervalued.
What is the profitability of CZFS stock?
CITIZENS FINANCIAL SERVICES (CZFS) has a profitability rating of 4 / 10.
What are the PE and PB ratios of CITIZENS FINANCIAL SERVICES (CZFS) stock?
The Price/Earnings (PE) ratio for CITIZENS FINANCIAL SERVICES (CZFS) is 7.91 and the Price/Book (PB) ratio is 0.82.
What is the expected EPS growth for CITIZENS FINANCIAL SERVICES (CZFS) stock?
The Earnings per Share (EPS) of CITIZENS FINANCIAL SERVICES (CZFS) is expected to grow by 20.55% in the next year.