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CITIZENS FINANCIAL SERVICES (CZFS) Stock Fundamental Analysis

NASDAQ:CZFS - Nasdaq - US1746151042 - Common Stock - Currency: USD

56.89  -1.11 (-1.91%)

Fundamental Rating

4

CZFS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. CZFS has a bad profitability rating. Also its financial health evaluation is rather negative. CZFS has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years CZFS always reported a positive cash flow from operatings.
CZFS Yearly Net Income VS EBIT VS OCF VS FCFCZFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

The Return On Assets of CZFS (0.94%) is better than 60.05% of its industry peers.
CZFS has a Return On Equity of 9.22%. This is comparable to the rest of the industry: CZFS outperforms 58.02% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 9.22%
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
CZFS Yearly ROA, ROE, ROICCZFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

CZFS has a Profit Margin of 27.76%. This is in the better half of the industry: CZFS outperforms 75.32% of its industry peers.
In the last couple of years the Profit Margin of CZFS has declined.
CZFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.76%
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
CZFS Yearly Profit, Operating, Gross MarginsCZFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

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.
Compared to 1 year ago, CZFS has an improved debt to assets ratio.
CZFS Yearly Shares OutstandingCZFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
CZFS Yearly Total Debt VS Total AssetsCZFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

CZFS has a debt to FCF ratio of 10.46. This is a negative value and a sign of low solvency as CZFS would need 10.46 years to pay back of all of its debts.
The Debt to FCF ratio of CZFS (10.46) is worse than 79.39% of its industry peers.
A Debt/Equity ratio of 0.98 indicates that CZFS is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.98, CZFS is not doing good in the industry: 85.24% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.98
Debt/FCF 10.46
Altman-Z N/A
ROIC/WACCN/A
WACC14.76%
CZFS Yearly LT Debt VS Equity VS FCFCZFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CZFS Yearly Current Assets VS Current LiabilitesCZFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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5

3. Growth

3.1 Past

CZFS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.49%.
The Earnings Per Share has been growing slightly by 2.28% on average over the past years.
CZFS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.94%.
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)1.49%
EPS 3Y-6.27%
EPS 5Y2.28%
EPS Q2Q%20.6%
Revenue 1Y (TTM)4.94%
Revenue growth 3Y9.11%
Revenue growth 5Y11.79%
Sales Q2Q%9.75%

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 8.11% yearly.
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 Y12.86%
EPS Next 2Y8.11%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CZFS Yearly Revenue VS EstimatesCZFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
CZFS Yearly EPS VS EstimatesCZFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.31, the valuation of CZFS can be described as reasonable.
Based on the Price/Earnings ratio, CZFS is valued cheaply inside the industry as 86.01% of the companies are valued more expensively.
CZFS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.05.
A Price/Forward Earnings ratio of 8.34 indicates a reasonable valuation of CZFS.
Based on the Price/Forward Earnings ratio, CZFS is valued a bit cheaper than the industry average as 74.81% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CZFS to the average of the S&P500 Index (37.67), we can say CZFS is valued rather cheaply.
Industry RankSector Rank
PE 9.31
Fwd PE 8.34
CZFS Price Earnings VS Forward Price EarningsCZFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CZFS indicates a somewhat cheap valuation: CZFS is cheaper than 66.92% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.48
EV/EBITDA N/A
CZFS Per share dataCZFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)0.72
PEG (5Y)4.09
EPS Next 2Y8.11%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CZFS has a Yearly Dividend Yield of 3.37%.
Compared to an average industry Dividend Yield of 3.40, 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 2.32.
Industry RankSector Rank
Dividend Yield 3.37%

5.2 History

The dividend of CZFS has a limited annual growth rate of 2.74%.
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)2.74%
Div Incr Years3
Div Non Decr Years3
CZFS Yearly Dividends per shareCZFS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

CZFS pays out 32.91% of its income as dividend. This is a sustainable payout ratio.
The dividend of CZFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP32.91%
EPS Next 2Y8.11%
EPS Next 3YN/A
CZFS Yearly Income VS Free CF VS DividendCZFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CZFS Dividend Payout.CZFS Dividend Payout, showing the Payout Ratio.CZFS Dividend Payout.PayoutRetained Earnings

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CITIZENS FINANCIAL SERVICES

NASDAQ:CZFS (7/28/2025, 1:23:47 PM)

56.89

-1.11 (-1.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)08-04 2025-08-04/amc
Inst Owners27.75%
Inst Owner Change-1.15%
Ins Owners5.13%
Ins Owner Change1.05%
Market Cap273.64M
Analysts85.71
Price Target65.64 (15.38%)
Short Float %N/A
Short Ratio5.08
Dividend
Industry RankSector Rank
Dividend Yield 3.37%
Yearly Dividend1.96
Dividend Growth(5Y)2.74%
DP32.91%
Div Incr Years3
Div Non Decr Years3
Ex-Date06-13 2025-06-13 (0.490099)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.11%
Min EPS beat(2)5.28%
Max EPS beat(2)6.95%
EPS beat(4)3
Avg EPS beat(4)5.49%
Min EPS beat(4)-3.21%
Max EPS beat(4)12.96%
EPS beat(8)5
Avg EPS beat(8)951.26%
EPS beat(12)6
Avg EPS beat(12)633.98%
EPS beat(16)8
Avg EPS beat(16)475.15%
Revenue beat(2)0
Avg Revenue beat(2)-1.69%
Min Revenue beat(2)-2.61%
Max Revenue beat(2)-0.78%
Revenue beat(4)0
Avg Revenue beat(4)-3.65%
Min Revenue beat(4)-7%
Max Revenue beat(4)-0.78%
Revenue beat(8)1
Avg Revenue beat(8)-3.38%
Revenue beat(12)4
Avg Revenue beat(12)-0.21%
Revenue beat(16)7
Avg Revenue beat(16)2.2%
PT rev (1m)0%
PT rev (3m)-8.06%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.82%
EPS NY rev (1m)-0.08%
EPS NY rev (3m)0.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.82%
Valuation
Industry RankSector Rank
PE 9.31
Fwd PE 8.34
P/S 2.67
P/FCF 9.48
P/OCF 8.92
P/B 0.89
P/tB 1.24
EV/EBITDA N/A
EPS(TTM)6.11
EY10.74%
EPS(NY)6.82
Fwd EY11.99%
FCF(TTM)6
FCFY10.55%
OCF(TTM)6.38
OCFY11.21%
SpS21.28
BVpS64.09
TBVpS45.7
PEG (NY)0.72
PEG (5Y)4.09
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.76%
GM N/A
FCFM 28.21%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.98
Debt/FCF 10.46
Debt/EBITDA N/A
Cap/Depr 102.51%
Cap/Sales 1.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 101.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.76%
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)1.49%
EPS 3Y-6.27%
EPS 5Y2.28%
EPS Q2Q%20.6%
EPS Next Y12.86%
EPS Next 2Y8.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.94%
Revenue growth 3Y9.11%
Revenue growth 5Y11.79%
Sales Q2Q%9.75%
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 1Y-3.21%
FCF growth 3Y-5.35%
FCF growth 5Y8.4%
OCF growth 1Y-2.97%
OCF growth 3Y-4.99%
OCF growth 5Y8.79%