Citizens Financial Services, Inc.

Citizens Financial Services, Inc.

CZFS

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Market Cap$334.66M
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Citizens Financial Services, Inc.Citizens Financial Services, Inc.8.52.89%11%2.20.6
$167.31

Current Fair Value

140.2% upside

Undervalued by 140.2% based on the discounted cash flow analysis.

Share Statistics

Market cap$334.66 Million
Enterprise Value$506.60 Million
Dividend Yield$2.00 (2.89%)
Earnings per Share$7.62
Beta0.4
Outstanding Shares4,798,170

Return

Return on Equity11.45%ROE
Return on Assets1.30%
Return on Invested Capital2.17%

Valuation & Multiples

P/E Ratio8.5P/E Ratio
PEG23.51PEG
Price to Sales2.25Price to Sales
Price to Book Ratio0.98Price to Book Ratio
Enterprise Value to Revenue3.3
Enterprise Value to EBIT7.71
Enterprise Value to Net Income12
Total Debt to Enterprise0.39
Debt to Equity0.58Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 7, 2026
EPS Estimate
-
Average shareholder expectation
Revenue Estimate
-
Average shareholder expectation

Next Earnings Call

Expected Date
July 29, 2026
EPS Estimate
$1.98
Average shareholder expectation
Revenue Estimate
$29.30 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 %29.17%▲ 0.70%
Total Invested$85.57M▲ 9.82%
Investors Holding87▲ 5.00%

ESG Score

No data

About Citizens Financial Services, Inc.

293 employees
CEO: Randall Black