Citizens Financial Services, Inc.
CZFS
Get informed when a big investor buys or sells
+ FollowMarket Cap$390.88M
Close$
$175.00
123.6% upside
Current Fair Value
123.6% upsideUndervalued by 123.6% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $390.88 Million |
|---|---|
| Enterprise Value | $754.56 Million |
| Dividend Yield | $2.02 (2.48%) |
| Earnings per Share | $7.62 |
| Beta | 0.38 |
| Outstanding Shares | 4,798,104 |
Return
| Return on Equity | 11.63% |
|---|---|
| Return on Assets | 1.29% |
| Return on Invested Capital | 2.08% |
Valuation & Multiples
| P/E Ratio | 9.49 |
|---|---|
| PEG | 46.6 |
| Price to Sales | 2.45 |
| Price to Book Ratio | 1.07 |
| Enterprise Value to Revenue | 4.9 |
| Enterprise Value to EBIT | 11.38 |
| Enterprise Value to Net Income | 18 |
| Total Debt to Enterprise | 0.52 |
| Debt to Equity | 1.12 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 30, 2026
EPS Estimate
$1.98
Average shareholder expectationRevenue Estimate
$29.30 M
Average shareholder expectationNext Earnings Call
Expected Date
October 29, 2026
EPS Estimate
$2.20
Average shareholder expectationRevenue Estimate
$31.00 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 % | 31.69%▲ 2.52% |
|---|---|
| Total Invested | $110.12M▲ 28.69% |
| Investors Holding | 90▲ 3.00% |
ESG Score
No data
About Citizens Financial Services, Inc.
293 employees
CEO: Randall Black