CITIZENS FINANCIAL SERVICES (CZFS) Stock Fundamental Analysis
USA - NASDAQ:CZFS - US1746151042 - Common Stock
55.26 USD
+1.01 (+1.86%)
55.26 USD
0 (0%)
CZFS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. There are concerns on the financial health of CZFS while its profitability can be described as average. A decent growth rate in combination with a cheap valuation! Better keep an eye on CZFS. Finally CZFS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CZFS had positive earnings in the past year.
CZFS had a positive operating cash flow in the past year.
Each year in the past 5 years CZFS has been profitable.
Each year in the past 5 years CZFS had a positive operating cash flow.
1.2 Ratios
CZFS has a Return On Assets of 1.07%. This is in the better half of the industry: CZFS outperforms 72.05% of its industry peers.
Looking at the Return On Equity, with a value of 10.08%, CZFS is in the better half of the industry, outperforming 65.38% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 10.08% | ||
| 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
CZFS has a better Profit Margin (30.09%) than 81.03% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 30.09% | ||
| 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.
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.
2.2 Solvency
CZFS has a debt to FCF ratio of 9.95. This is a negative value and a sign of low solvency as CZFS would need 9.95 years to pay back of all of its debts.
CZFS's Debt to FCF ratio of 9.95 is on the low side compared to the rest of the industry. CZFS is outperformed by 77.18% of its industry peers.
A Debt/Equity ratio of 1.00 indicates that CZFS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.00, CZFS is doing worse than 84.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 9.95 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 23.58% over the past year.
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.
The Revenue has been growing slightly by 7.88% in the past year.
The Revenue has been growing by 11.79% on average over the past years. This is quite good.
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
Based on estimates for the next years, CZFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.32% on average per year.
The Revenue is expected to grow by 8.61% on average over the next years. This is quite good.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
With a Price/Earnings ratio of 7.78, the valuation of CZFS can be described as very cheap.
Based on the Price/Earnings ratio, CZFS is valued cheaply inside the industry as 92.56% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CZFS to the average of the S&P500 Index (26.03), we can say CZFS is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.37, the valuation of CZFS can be described as very cheap.
87.18% of the companies in the same industry are more expensive than CZFS, based on the Price/Forward Earnings ratio.
CZFS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 7.37 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CZFS is valued a bit cheaper than the industry average as 77.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.45 | ||
| 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.
A more expensive valuation may be justified as CZFS's earnings are expected to grow with 13.32% in the coming years.
PEG (NY)0.38
PEG (5Y)3.42
EPS Next 2Y13.32%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CZFS has a Yearly Dividend Yield of 3.69%. Purely for dividend investing, there may be better candidates out there.
CZFS's Dividend Yield is a higher than the industry average which is at 3.42.
CZFS's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
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
29.76% 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.
DP29.76%
EPS Next 2Y13.32%
EPS Next 3YN/A
55.26
+1.01 (+1.86%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners27.99%
Inst Owner Change-0.48%
Ins Owners5.14%
Ins Owner Change0.47%
Market Cap265.80M
Revenue(TTM)108.95M
Net Income(TTM)31.60M
Analysts85.71
Price Target65.64 (18.78%)
Short Float %0.7%
Short Ratio3.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Yearly Dividend1.94
Dividend Growth(5Y)2.54%
DP29.76%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.43%
Min EPS beat(2)5.28%
Max EPS beat(2)7.58%
EPS beat(4)4
Avg EPS beat(4)8.19%
Min EPS beat(4)5.28%
Max EPS beat(4)12.96%
EPS beat(8)5
Avg EPS beat(8)1.93%
EPS beat(12)7
Avg EPS beat(12)634.76%
EPS beat(16)8
Avg EPS beat(16)475.58%
Revenue beat(2)0
Avg Revenue beat(2)-1.55%
Min Revenue beat(2)-2.61%
Max Revenue beat(2)-0.5%
Revenue beat(4)0
Avg Revenue beat(4)-2.72%
Min Revenue beat(4)-7%
Max Revenue beat(4)-0.5%
Revenue beat(8)1
Avg Revenue beat(8)-2.88%
Revenue beat(12)3
Avg Revenue beat(12)-1.33%
Revenue beat(16)6
Avg Revenue beat(16)1.27%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.73%
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 | 7.78 | ||
| Fwd PE | 7.37 | ||
| P/S | 2.53 | ||
| P/FCF | 8.45 | ||
| P/OCF | 7.9 | ||
| P/B | 0.85 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.1
EY12.85%
EPS(NY)7.5
Fwd EY13.57%
FCF(TTM)6.54
FCFY11.84%
OCF(TTM)6.99
OCFY12.65%
SpS21.84
BVpS65.21
TBVpS46.85
PEG (NY)0.38
PEG (5Y)3.42
Graham Number102.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 10.08% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 30.09% | ||
| GM | N/A | ||
| FCFM | 29.96% |
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-Score9
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1 | ||
| Debt/FCF | 9.95 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 122.56% | ||
| Cap/Sales | 2.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 99.56% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC14.66%
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 1Y70.91%
FCF growth 3Y-5.35%
FCF growth 5Y8.4%
OCF growth 1Y59.63%
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 7.78 and the Price/Book (PB) ratio is 0.85.
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.