Citizens Financial Services, Inc.

Citizens Financial Services, Inc.

CZFS

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Market Cap$389.1M
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Citizens Financial Services, Inc.Citizens Financial Services, Inc.9.42.48%12%2.61.1
$181.07

Current Fair Value

119.2% upside

Undervalued by 119.2% based on the discounted cash flow analysis.

Share Statistics

Market cap$389.10 Million
Enterprise Value$752.79 Million
Dividend Yield$2.01 (2.48%)
Earnings per Share$7.62
Beta0.38
Outstanding Shares4,798,104

Return

Return on Equity11.63%ROE
Return on Assets1.29%
Return on Invested Capital2.08%

Valuation & Multiples

P/E Ratio9.45P/E Ratio
PEG46.39PEG
Price to Sales2.58Price to Sales
Price to Book Ratio1.13Price to Book Ratio
Enterprise Value to Revenue4.89
Enterprise Value to EBIT11.35
Enterprise Value to Net Income18
Total Debt to Enterprise0.52
Debt to Equity1.12Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
July 30, 2026
EPS Estimate
$1.98
Average shareholder expectation
Revenue Estimate
$29.30 M
Average shareholder expectation

Next Earnings Call

Expected Date
October 29, 2026
EPS Estimate
$2.20
Average shareholder expectation
Revenue Estimate
$31.00 M
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.00000%
Total Calls-
Total Puts-

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %31.78%▲ 2.62%
Total Invested$110.18M▲ 28.76%
Investors Holding90▲ 3.00%

ESG Score

No data

About Citizens Financial Services, Inc.

293 employees
CEO: Randall Black