Citizens Financial Services, Inc.
CZFS
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+ FollowMarket Cap$353.74M
Close$
$176.41
146.7% upside
Current Fair Value
146.7% upsideUndervalued by 146.7% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $353.74 Million |
|---|---|
| Enterprise Value | $525.68 Million |
| Dividend Yield | $2.01 (2.73%) |
| Earnings per Share | $7.62 |
| Beta | 0.38 |
| Outstanding Shares | 4,798,170 |
Return
| Return on Equity | 11.45% |
|---|---|
| Return on Assets | 1.30% |
| Return on Invested Capital | 2.17% |
Valuation & Multiples
| P/E Ratio | 8.98 |
|---|---|
| PEG | 24.84 |
| Price to Sales | 2.31 |
| Price to Book Ratio | 1.01 |
| Enterprise Value to Revenue | 3.43 |
| Enterprise Value to EBIT | 8 |
| Enterprise Value to Net Income | 13 |
| Total Debt to Enterprise | 0.38 |
| Debt to Equity | 0.58 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
May 7, 2026
EPS Estimate
-
Average shareholder expectationRevenue Estimate
-
Average shareholder expectationNext Earnings Call
Expected Date
July 29, 2026
EPS Estimate
$1.98
Average shareholder expectationRevenue Estimate
$29.30 M
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.00000% |
|---|---|
| Total Calls | - |
| Total Puts | - |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 3.16%▼ 26.00% |
|---|---|
| Total Invested | $10.99M▼ 87.15% |
| Investors Holding | 11▼ 76.00% |
ESG Score
No data
About Citizens Financial Services, Inc.
293 employees
CEO: Randall Black