Financhill
Buy
74

CZFS Quote, Financials, Valuation and Earnings

Last price:
$59.25
Seasonality move :
-0.61%
Day range:
$59.85 - $62.54
52-week range:
$39.10 - $75.40
Dividend yield:
3.14%
P/E ratio:
10.46x
P/S ratio:
2.90x
P/B ratio:
0.97x
Volume:
13.3K
Avg. volume:
9.6K
1-year change:
50%
Market cap:
$297.7M
Revenue:
$100.8M
EPS (TTM):
$5.98

Analysts' Opinion

  • Consensus Rating
    Citizens Financial Services has received a consensus rating of Buy. The company's average rating is a Buy based on 1 Buy rating, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $65.00, Citizens Financial Services has an estimated upside of 3.93% from its current price of $62.54.
  • Price Target Downside
    According to analysts, the lowest downside price target is $65.00 representing 100% downside risk from its current price of $62.54.

Fair Value

  • According to the consensus of 1 analyst, Citizens Financial Services has 3.93% upside to fair value with a price target of $65.00 per share.

CZFS vs. S&P 500

  • Over the past 5 trading days, Citizens Financial Services has overperformed the S&P 500 by 5.21% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Citizens Financial Services does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Citizens Financial Services has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Citizens Financial Services reported revenues of $26.4M.

Earnings Growth

  • Citizens Financial Services has grown year-over-year earnings for 2 quarters straight. In the most recent quarter Citizens Financial Services reported earnings per share of $1.60.
Enterprise value:
514.3M
EV / Invested capital:
0.84x
Price / LTM sales:
2.90x
EV / EBIT:
5.07x
EV / Revenue:
5.02x
PEG ratio (5yr expected):
0.16x
EV / Free cash flow:
17.81x
Price / Operating cash flow:
10.30x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.95%
Net Income Margin (TTM):
27.76%
Return On Equity:
9.63%
Return On Invested Capital:
4.89%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $83.4M $96.4M $102.4M $24.8M $26.4M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $7.21 $3.64 $5.98 $1.48 $1.60
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $491.9M $591.5M $497M $463.8M $105.4M
Total Assets $2B $2.2B $2.3B $2.9B $3B
Current Liabilities $913K $714K $1.8M $4.1M $3.1M
Total Liabilities $1.8B $2B $2.1B $2.6B $2.7B
Total Equity $198.8M $202.7M $213.2M $282.7M $308.3M
Total Debt $86.2M $68.2M $288.1M $283.6M $302M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $31.6M $29.6M $30.7M $13.5M $10.9M
Cash From Investing -$251.2M $77.4M -$92.9M $23.1M -$728K
Cash From Financing $131.6M -$103.5M $69.4M -$59.8M -$15.6M
Free Cash Flow $29.8M $27.1M $28.9M $13.4M $10.4M
CZFS
Sector
Market Cap
$297.7M
$613.4M
Price % of 52-Week High
82.94%
86.42%
Dividend Yield
3.14%
2.06%
Shareholder Yield
2.18%
4.07%
1-Year Price Total Return
50%
7.82%
Beta (5-Year)
0.401
0.587
Dividend yield:
3.14%
Annualized payout:
$1.96
Payout ratio:
32.91%
Growth streak:
3 years

Technicals

8-day SMA
Buy
Level $61.11
200-day SMA
Buy
Level $59.36
Bollinger Bands (100)
Buy
Level 56.34 - 62.06
Chaikin Money Flow
Buy
Level 1.3M
20-day SMA
Buy
Level $58.16
Relative Strength Index (RSI14)
Buy
Level 62.36
ADX Line
Buy
Level 15.37
Williams %R
Sell
Level -10.4878
50-day SMA
Buy
Level $57.51
MACD (12, 26)
Buy
Level 1.45
25-day Aroon Oscillator
Buy
Level 84
On Balance Volume
Neutral
Level 617.6K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3314)
Sell
CA Score (Annual)
Level (-2.1525)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.377)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.

Stock Forecast FAQ

In the current month, CZFS has received 1 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CZFS average analyst price target in the past 3 months is $65.00.

  • Where Will Citizens Financial Services Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Citizens Financial Services share price will rise to $65.00 per share over the next 12 months.

  • What Do Analysts Say About Citizens Financial Services?

    Analysts are divided on their view about Citizens Financial Services share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Citizens Financial Services is a Sell and believe this share price will drop from its current level to $65.00.

  • What Is Citizens Financial Services's Price Target?

    The price target for Citizens Financial Services over the next 1-year time period is forecast to be $65.00 according to 1 Wall Street analyst, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is CZFS A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Citizens Financial Services is a Buy. 1 of 1 analysts rates the stock a Buy at this time.

  • How Can I Buy Shares Of CZFS?

    You can purchase shares of Citizens Financial Services via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens Financial Services shares.

  • What Is The Citizens Financial Services Share Price Today?

    Citizens Financial Services was last trading at $59.25 per share. This represents the most recent stock quote for Citizens Financial Services. Yesterday, Citizens Financial Services closed at $62.54 per share.

  • How To Buy Citizens Financial Services Stock Online?

    In order to purchase Citizens Financial Services stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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