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CITIZENS FINANCIAL SERVICES (CZFS) Stock Fundamental Analysis

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

56.5  +2.37 (+4.38%)

After market: 56.2 -0.3 (-0.53%)

Fundamental Rating

4

CZFS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. CZFS may be in some trouble as it scores bad on both profitability and health. 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.
Each year in the past 5 years CZFS has been profitable.
CZFS had a positive operating cash flow in each of the past 5 years.
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

Looking at the Return On Assets, with a value of 0.92%, CZFS is in the better half of the industry, outperforming 61.06% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.28%, CZFS is in line with its industry, outperforming 59.30% of the companies in the same industry.
Industry RankSector Rank
ROA 0.92%
ROE 9.28%
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

Looking at the Profit Margin, with a value of 27.31%, CZFS is in the better half of the industry, outperforming 72.61% of the companies in the same industry.
CZFS's Profit Margin has declined in the last couple of years.
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) 27.31%
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.
CZFS has about the same amout of shares outstanding than it did 1 year ago.
CZFS has more shares outstanding than it did 5 years ago.
CZFS has a better debt/assets ratio than last year.
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 9.34. This is a negative value and a sign of low solvency as CZFS would need 9.34 years to pay back of all of its debts.
The Debt to FCF ratio of CZFS (9.34) is worse than 78.64% of its industry peers.
A Debt/Equity ratio of 0.99 indicates that CZFS is somewhat dependend on debt financing.
CZFS has a Debt to Equity ratio of 0.99. This is amonst the worse of the industry: CZFS underperforms 85.18% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 9.34
Altman-Z N/A
ROIC/WACCN/A
WACC14.69%
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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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.49% over the past year.
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 quite strong growth in Revenue. The Revenue has grown by 10.88% in the last year.
CZFS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.79% yearly.
EPS 1Y (TTM)1.49%
EPS 3Y-6.27%
EPS 5Y2.28%
EPS Q2Q%20.6%
Revenue 1Y (TTM)10.88%
Revenue growth 3Y9.11%
Revenue growth 5Y11.79%
Sales Q2Q%26.11%

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 8.06% yearly.
CZFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.30% yearly.
EPS Next Y10.71%
EPS Next 2Y8.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year12.78%
Revenue Next 2Y10.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same 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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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.16 indicates a reasonable 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 86.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.22, CZFS is valued rather cheaply.
CZFS is valuated reasonably with a Price/Forward Earnings ratio of 8.21.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CZFS indicates a somewhat cheap valuation: CZFS is cheaper than 79.90% of the companies listed in the same industry.
CZFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.86.
Industry RankSector Rank
PE 9.16
Fwd PE 8.21
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CZFS indicates a somewhat cheap valuation: CZFS is cheaper than 77.14% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.44
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)0.86
PEG (5Y)4.02
EPS Next 2Y8.06%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

CZFS has a Yearly Dividend Yield of 3.64%.
CZFS's Dividend Yield is a higher than the industry average which is at 3.52.
CZFS's Dividend Yield is a higher than the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 3.64%

5.2 History

The dividend of CZFS has a limited annual growth rate of 2.74%.
CZFS has paid a dividend for at least 10 years, which is a reliable track record.
CZFS has decreased its dividend in the last 3 years.
Dividend Growth(5Y)2.74%
Div Incr Years2
Div Non Decr Years2
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

33.44% of the earnings are spent on dividend by CZFS. This is a low number and sustainable payout ratio.
CZFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.44%
EPS Next 2Y8.06%
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 (5/2/2025, 8:00:01 PM)

After market: 56.2 -0.3 (-0.53%)

56.5

+2.37 (+4.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-28 2025-07-28/amc
Inst Owners27.62%
Inst Owner Change1.76%
Ins Owners5.6%
Ins Owner Change0.24%
Market Cap268.94M
Analysts85.71
Price Target71.4 (26.37%)
Short Float %1.45%
Short Ratio5.76
Dividend
Industry RankSector Rank
Dividend Yield 3.64%
Yearly Dividend1.96
Dividend Growth(5Y)2.74%
DP33.44%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-14 2025-03-14 (0.495)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.96%
Min EPS beat(2)6.95%
Max EPS beat(2)12.96%
EPS beat(4)2
Avg EPS beat(4)0.36%
Min EPS beat(4)-15.24%
Max EPS beat(4)12.96%
EPS beat(8)5
Avg EPS beat(8)950.59%
EPS beat(12)5
Avg EPS beat(12)633.13%
EPS beat(16)8
Avg EPS beat(16)476.8%
Revenue beat(2)0
Avg Revenue beat(2)-3.89%
Min Revenue beat(2)-7%
Max Revenue beat(2)-0.78%
Revenue beat(4)0
Avg Revenue beat(4)-4.86%
Min Revenue beat(4)-7.45%
Max Revenue beat(4)-0.78%
Revenue beat(8)1
Avg Revenue beat(8)-4.07%
Revenue beat(12)4
Avg Revenue beat(12)-0.07%
Revenue beat(16)8
Avg Revenue beat(16)3.89%
PT rev (1m)0%
PT rev (3m)2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.93%
EPS NY rev (1m)0%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)2.92%
Revenue NQ rev (3m)2.92%
Revenue NY rev (1m)3.27%
Revenue NY rev (3m)3.27%
Valuation
Industry RankSector Rank
PE 9.16
Fwd PE 8.21
P/S 2.64
P/FCF 8.44
P/OCF 8.1
P/B 0.9
P/tB 1.27
EV/EBITDA N/A
EPS(TTM)6.17
EY10.92%
EPS(NY)6.89
Fwd EY12.19%
FCF(TTM)6.69
FCFY11.85%
OCF(TTM)6.97
OCFY12.34%
SpS21.4
BVpS62.97
TBVpS44.35
PEG (NY)0.86
PEG (5Y)4.02
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 9.28%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.31%
GM N/A
FCFM 31.29%
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 0.99
Debt/FCF 9.34
Debt/EBITDA N/A
Cap/Depr 72.76%
Cap/Sales 1.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 114.56%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.69%
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 Y10.71%
EPS Next 2Y8.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.88%
Revenue growth 3Y9.11%
Revenue growth 5Y11.79%
Sales Q2Q%26.11%
Revenue Next Year12.78%
Revenue Next 2Y10.3%
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 1Y33.23%
FCF growth 3Y-5.35%
FCF growth 5Y8.4%
OCF growth 1Y25.04%
OCF growth 3Y-4.99%
OCF growth 5Y8.79%