62.49 USD
-2.26 (-3.49%)
At close: Feb 11, 2026
67.6 USD
+5.11 (+8.18%)
After Hours: 2/4/2026, 8:12:44 PM
CZFS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year CZFS was profitable.
- In the past year CZFS had a positive cash flow from operations.
- Each year in the past 5 years CZFS has been profitable.
- Of the past 5 years CZFS 4 years had a positive operating cash flow.
1.2 Ratios
- CZFS has a Return On Assets of 1.11%. This is in the better half of the industry: CZFS outperforms 71.13% of its industry peers.
- CZFS's Return On Equity of 10.40% is fine compared to the rest of the industry. CZFS outperforms 66.67% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- Looking at the Profit Margin, with a value of 31.27%, CZFS belongs to the top of the industry, outperforming 82.68% of the companies in the same industry.
- CZFS's Profit Margin has been stable 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 Rank | Sector 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
2. Health
2.1 Basic Checks
- CZFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for CZFS remains at a similar level compared to 1 year ago.
- The number of shares outstanding for CZFS has been increased compared to 5 years ago.
- CZFS has a worse debt/assets ratio than last year.
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.
- The Debt to FCF ratio of CZFS (9.78) is worse than 78.22% of its industry peers.
- A Debt/Equity ratio of 0.85 indicates that CZFS is somewhat dependend on debt financing.
- CZFS's Debt to Equity ratio of 0.85 is on the low side compared to the rest of the industry. CZFS is outperformed by 82.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.85 | ||
| Debt/FCF | 9.78 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.08%
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 30.42%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 4.06% on average over the past years.
- The Revenue has grown by 10.30% in the past year. This is quite good.
- Measured over the past years, CZFS shows a quite strong growth in Revenue. The Revenue has been growing by 8.82% on average per year.
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
- CZFS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.87% yearly.
- Based on estimates for the next years, CZFS will show a small growth in Revenue. The Revenue will grow by 5.16% on average per year.
EPS Next Y3.15%
EPS Next 2Y2.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.27%
Revenue Next 2Y5.16%
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.21, the valuation of CZFS can be described as very reasonable.
- Based on the Price/Earnings ratio, CZFS is valued cheaper than 92.65% of the companies in the same industry.
- CZFS is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 7.96, the valuation of CZFS can be described as very cheap.
- Based on the Price/Forward Earnings ratio, CZFS is valued cheaper than 92.39% of the companies 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 27.97.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 7.96 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, CZFS is valued a bit cheaper than 65.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CZFS does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.61
PEG (5Y)2.02
EPS Next 2Y2.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- CZFS has a Yearly Dividend Yield of 2.99%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.53, CZFS pays a bit more dividend than its industry peers.
- CZFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
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.
- CZFS's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP27.82%
EPS Next 2Y2.87%
EPS Next 3YN/A
62.49
-2.26 (-3.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-28 2026-04-28
Inst Owners28.25%
Inst Owner Change2.36%
Ins Owners5.2%
Ins Owner Change0.13%
Market Cap300.58M
Revenue(TTM)112.34M
Net Income(TTM)34.07M
Analysts85.71
Price Target65.64 (5.04%)
Short Float %0.84%
Short Ratio3.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.99% |
Yearly Dividend1.94
Dividend Growth(5Y)2.54%
DP27.82%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)15.64%
EPS NQ rev (3m)15.64%
EPS NY rev (1m)4.76%
EPS NY rev (3m)4.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.88%
Revenue NY rev (3m)0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 7.96 | ||
| P/S | 2.76 | ||
| P/FCF | 10.51 | ||
| P/OCF | 9.92 | ||
| P/B | 0.92 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.61
EY12.18%
EPS(NY)7.85
Fwd EY12.57%
FCF(TTM)5.95
FCFY9.52%
OCF(TTM)6.3
OCFY10.08%
SpS22.65
BVpS68.13
TBVpS49.8
PEG (NY)2.61
PEG (5Y)2.02
Graham Number108
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)0.9%
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 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
WACC14.08%
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 Y3.15%
EPS Next 2Y2.87%
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 Year6.27%
Revenue Next 2Y5.16%
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 FAQ
What is the ChartMill fundamental rating of CITIZENS FINANCIAL SERVICES (CZFS) stock?
ChartMill assigns a fundamental rating of 3 / 10 to CZFS.
What is the valuation status for CZFS stock?
ChartMill assigns a valuation rating of 5 / 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 8.21 and the Price/Book (PB) ratio is 0.92.
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 3.15% in the next year.