CITIZENS FINANCIAL SERVICES (CZFS) Fundamental Analysis & Valuation

NASDAQ:CZFS • US1746151042

Current stock price

60.02 USD
+0.04 (+0.07%)
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This CZFS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CZFS Profitability Analysis

1.1 Basic Checks

  • CZFS had positive earnings in the past year.
  • In the past year CZFS had a positive cash flow from operations.
  • In the past 5 years CZFS has always been profitable.
  • Of the past 5 years CZFS 4 years had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • With a decent Return On Assets value of 1.11%, CZFS is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • CZFS has a Return On Equity of 10.40%. This is in the better half of the industry: CZFS outperforms 64.57% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 10.4%
ROIC N/A
ROA(3y)0.9%
ROA(5y)1.06%
ROE(3y)8.82%
ROE(5y)10.94%
ROIC(3y)N/A
ROIC(5y)N/A
CZFS Yearly ROA, ROE, ROICCZFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 31.27%, CZFS belongs to the top of the industry, outperforming 80.58% of the companies in the same industry.
  • CZFS's Profit Margin has been stable in the last couple of years.
  • The Operating Margin and Gross Margin are not available for CZFS so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 31.27%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.84%
PM growth 5Y-0.92%
GM growth 3YN/A
GM growth 5YN/A
CZFS Yearly Profit, Operating, Gross MarginsCZFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. CZFS Health Analysis

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 is higher compared to a year ago.
CZFS Yearly Shares OutstandingCZFS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1M 2M 3M 4M
CZFS Yearly Total Debt VS Total AssetsCZFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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.
  • CZFS's Debt to FCF ratio of 9.78 is on the low side compared to the rest of the industry. CZFS is outperformed by 76.64% of its industry peers.
  • CZFS has a Debt/Equity ratio of 0.85. This is a neutral value indicating CZFS is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.85, CZFS is doing worse than 83.20% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 9.78
Altman-Z N/A
ROIC/WACCN/A
WACC14.44%
CZFS Yearly LT Debt VS Equity VS FCFCZFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CZFS Growth Analysis

3.1 Past

  • CZFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.42%, which is quite impressive.
  • CZFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.06% yearly.
  • Looking at the last year, CZFS shows a quite strong growth in Revenue. The Revenue has grown by 10.30% in the last year.
  • The Revenue has been growing by 8.82% on average over the past years. This is quite good.
EPS 1Y (TTM)30.42%
EPS 3Y2.32%
EPS 5Y4.06%
EPS Q2Q%31.06%
Revenue 1Y (TTM)10.3%
Revenue growth 3Y11.12%
Revenue growth 5Y8.82%
Sales Q2Q%14.59%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.07% on average over the next years.
  • Based on estimates for the next years, CZFS will show a small growth in Revenue. The Revenue will grow by 4.03% on average per year.
EPS Next Y4.62%
EPS Next 2Y3.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.45%
Revenue Next 2Y4.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 2 4 6 8

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6

4. CZFS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.89, the valuation of CZFS can be described as very cheap.
  • Based on the Price/Earnings ratio, CZFS is valued cheaply inside the industry as 91.08% 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 25.23.
  • Based on the Price/Forward Earnings ratio of 7.53, the valuation of CZFS can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, CZFS is valued cheaply inside the industry as 90.55% of the companies are valued more expensively.
  • CZFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.42.
Industry RankSector Rank
PE 7.89
Fwd PE 7.53
CZFS Price Earnings VS Forward Price EarningsCZFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CZFS is valued a bit cheaper than 64.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.09
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.71
PEG (5Y)1.94
EPS Next 2Y3.07%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CZFS Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.33%, CZFS has a reasonable but not impressive dividend return.
  • CZFS's Dividend Yield is a higher than the industry average which is at 2.78.
  • CZFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.33%

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
CZFS Yearly Dividends per shareCZFS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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 2Y3.07%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
CZFS Dividend Payout.CZFS Dividend Payout, showing the Payout Ratio.CZFS Dividend Payout.PayoutRetained Earnings

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CZFS Fundamentals: All Metrics, Ratios and Statistics

CITIZENS FINANCIAL SERVICES

NASDAQ:CZFS (3/20/2026, 8:00:01 PM)

After market: 60.02 0 (0%)

60.02

+0.04 (+0.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners29.28%
Inst Owner Change2.6%
Ins Owners5.24%
Ins Owner Change0.61%
Market Cap288.70M
Revenue(TTM)112.34M
Net Income(TTM)34.07M
Analysts82.86
Price Target65.64 (9.36%)
Short Float %0.81%
Short Ratio3.19
Dividend
Industry RankSector Rank
Dividend Yield 3.33%
Yearly Dividend1.94
Dividend Growth(5Y)2.54%
DP27.82%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-13
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)15.64%
EPS NY rev (1m)1.43%
EPS NY rev (3m)6.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.78%
Revenue NY rev (3m)0.1%
Valuation
Industry RankSector Rank
PE 7.89
Fwd PE 7.53
P/S 2.65
P/FCF 10.09
P/OCF 9.53
P/B 0.88
P/tB 1.21
EV/EBITDA N/A
EPS(TTM)7.61
EY12.68%
EPS(NY)7.97
Fwd EY13.27%
FCF(TTM)5.95
FCFY9.91%
OCF(TTM)6.3
OCFY10.49%
SpS22.65
BVpS68.13
TBVpS49.8
PEG (NY)1.71
PEG (5Y)1.94
Graham Number108
Profitability
Industry RankSector 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)0.9%
ROA(5y)1.06%
ROE(3y)8.82%
ROE(5y)10.94%
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-2.84%
PM growth 5Y-0.92%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector 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
WACC14.44%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.42%
EPS 3Y2.32%
EPS 5Y4.06%
EPS Q2Q%31.06%
EPS Next Y4.62%
EPS Next 2Y3.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.3%
Revenue growth 3Y11.12%
Revenue growth 5Y8.82%
Sales Q2Q%14.59%
Revenue Next Year5.45%
Revenue Next 2Y4.03%
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-24.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-22.15%
OCF growth 3YN/A
OCF growth 5YN/A

CITIZENS FINANCIAL SERVICES / CZFS Fundamental Analysis 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 7.89 and the Price/Book (PB) ratio is 0.88.


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 4.62% in the next year.