Citizens Financial Services Inc. Common Stock (CZFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Citizens Financial Services Inc. Common Stock stock (CZFS) is currently trading at $60.66. Citizens Financial Services Inc. Common Stock PE ratio is 7.88. Citizens Financial Services Inc. Common Stock PS ratio (Price-to-Sales) is 2.62. Analyst consensus price target for CZFS is $69.00. WallStSmart rates CZFS as Hold.
- CZFS PE ratio analysis and historical PE chart
- CZFS PS ratio (Price-to-Sales) history and trend
- CZFS intrinsic value — DCF, Graham Number, EPV models
- CZFS stock price prediction 2025 2026 2027 2028 2029 2030
- CZFS fair value vs current price
- CZFS insider transactions and insider buying
- Is CZFS undervalued or overvalued?
- Citizens Financial Services Inc. Common Stock financial analysis — revenue, earnings, cash flow
- CZFS Piotroski F-Score and Altman Z-Score
- CZFS analyst price target and Smart Rating
Citizens Financial Services Inc.
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CZFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Citizens Financial Services Inc. Common Stock (CZFS)
CZFS trades at a significant discount to its Graham intrinsic value of $356.62, offering a 82% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Citizens Financial Services Inc. Common Stock (CZFS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around market cap. Fundamentals are solid but monitor weak areas for improvement.
Citizens Financial Services Inc. Common Stock (CZFS) Key Strengths (4)
Keeps $47 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 31.30% year-over-year
Keeps $33 of every $100 in revenue as net profit
Supporting Valuation Data
Citizens Financial Services Inc. Common Stock (CZFS) Areas to Watch (5)
Micro-cap company with very limited liquidity and high volatility
Modest revenue growth at 9.70%
Low institutional interest, mostly retail-driven
Moderate profitability with room for improvement
Revenue is fairly priced at 2.62x sales
Citizens Financial Services Inc. Common Stock (CZFS) Detailed Analysis Report
Overall Assessment
This company scores 64/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.87) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.90%, Profit Margin at 33.30%. Growth metrics are encouraging with EPS Growth at 31.30%.
The Bear Case
The primary concerns are Market Cap, Revenue Growth, Institutional Own.. Some valuation metrics including Price/Sales (2.62) suggest expensive pricing. Growth concerns include Revenue Growth at 9.70%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Market Cap, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CZFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CZFS's Price-to-Sales ratio of 2.62x trades 39% below its historical average of 4.29x (7th percentile). The current valuation is 57% below its historical high of 6.17x set in Mar 2014, and 19% above its historical low of 2.21x in Oct 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for Citizens Financial Services Inc. Common Stock (CZFS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Citizens Financial Services Inc. Common Stock is a mature, profitable business with steady cash generation. Revenue reached 110M with 10% growth year-over-year. Profit margins are strong at 33.3%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1150.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 33.3% and operating margin of 46.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 330.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Citizens Financial Services Inc. Common Stock.
Bottom Line
Citizens Financial Services Inc. Common Stock is a well-established business delivering consistent profitability with 33.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Citizens Financial Services Inc. Common Stock(CZFS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Citizens Financial Services, Inc. is the banking holding company of First Citizens Community Bank that offers a variety of banking products and services for individual, business, government and institutional clients. The company is headquartered in Mansfield, Pennsylvania.