NASDAQ: CZFSCitizens Financial Services Inc Stock
$55.02-0.89 (-1.59%)
Updated Apr 21, 2025
CZFS Price
$55.02
Fair Value Price
$132.83
Market Cap
$261.87M
52 Week Low
$38.53
52 Week High
$75.40
P/E
9.39x
P/B
0.87x
P/S
3.03x
PEG
1.26x
Dividend Yield
3.57%
Revenue
$99.27M
Earnings
$27.82M
Gross Margin
100%
Operating Margin
33.93%
Profit Margin
28%
Debt to Equity
9.1
Operating Cash Flow
$33M
Beta
0.45
Next Earnings
Apr 23, 2025
Ex-Dividend
N/A
Next Dividend
N/A
CZFS Overview
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CZFS's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
CZFS
Ranked#50 of 296
Ranked#50 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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CZFS News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CZFS scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CZFS ($55.02) is undervalued by 58.58% relative to our estimate of its Fair Value price of $132.83 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CZFS ($55.02) is significantly undervalued by 58.58% relative to our estimate of its Fair Value price of $132.83 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
CZFS ($55.02) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CZFS due diligence checks available for Premium users.
Valuation
CZFS fair value
Fair Value of CZFS stock based on Discounted Cash Flow (DCF)
Price
$55.02
Fair Value
$132.83
Undervalued by
58.58%
CZFS ($55.02) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CZFS ($55.02) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CZFS ($55.02) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CZFS price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9.39x
Industry
13.07x
Market
27.14x
CZFS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CZFS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CZFS price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.87x
Industry
1.07x
CZFS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CZFS price to earnings growth (PEG)
For valuing profitable companies with growth potential
CZFS is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
CZFS's financial health
Profit margin
Revenue
$26.2M
Net Income
$8.0M
Profit Margin
30.5%
CZFS's Earnings (EBIT) of $33.68M... subscribe to Premium to read more.
Interest Coverage Financials
CZFS's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$3.0B
Liabilities
$2.7B
Debt to equity
9.1
CZFS's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CZFS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$10.5M
Investing
-$175.0k
Financing
-$4.9M
CZFS's operating cash flow ($33.18M)... subscribe to Premium to read more.
Debt Coverage Financials
CZFS vs Bank Stocks
Citizens Financial Services Stock FAQ
Company
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