Citizens Financial Services, Inc. (CZFS)
Valuation Overview•Is Citizens Financial Services, Inc. Overvalued or Undervalued?
Trading at a relative discount to industry peers, suggesting a specific risk premium is applied.
Moderate quality score of 52/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral with steady expected earnings growth. This is paired with healthy capital returns, anchored by a strong, well-covered dividend yield.
CZFS demonstrates strong business quality with robust profitability and healthy margins. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 26.0% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $44.5M | +2.7% | — | — | +14.9% | |
| EBITDA | $12.9M | — | +7.3% | — | — | |
| Net Income | $10.5M | +31.5% | +8.0% | — | +12.1% | |
| EPS (Diluted) | $2.18 | +31.6% | +2.4% | +4.0% | +8.5% | |
| Free Cash Flow | $15.1M | +10.6% | +3.7% | +26.5% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 63.4% | 61.3% | 72.0% | 78.2% |
| Operating Margin | 26.0% | 20.5% | 28.2% | 30.9% |
| Net Margin | 21.1% | 16.8% | 23.1% | 25.0% |
| FCF Margin | 20.1% | 18.8% | 26.9% | 26.9% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $1.98 | $2.16 | +9.1% | ||
| Q1'26 | — | $2.18 | — | ||
| Q1'26 | $2.07 | $2.18 | +5.3% | ||
| Q1'26 | $2.07 | $2.18 | +5.3% | ||
| Q4'25 | $1.76 | $2.09 | +18.8% | ||
| Q3'25 | $1.62 | $1.76 | +8.6% | ||
| Q2'25 | $1.49 | $1.60 | +7.4% | ||
| Q1'25 | $1.54 | $1.68 | +9.1% |
Total return is +22.4% (1Y), lagging the benchmark by -2.6%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +23.9% | +14.6% | — |
| 1Y | +22.4% | -2.6% | +3.5% |
| 3YCAGR | -3.9% | -24.1% | +7.1% |
| 5YCAGR | +5.3% | -7.6% | +16.1% |
| 10YCAGR | +7.7% | -6.3% | — |
The S&P 500 is at 31.3x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Citizens Financial Services, Inc. (CZFS) valuation, health, and returns.
Based on peer relative multiples, Citizens Financial Services, Inc. appears Cheap versus peers compared to industry peers.
Citizens Financial Services, Inc. has multiple valuation anchors: Peer Relative Fair Value: $106.79. A convergence of these signals offers higher conviction.
Citizens Financial Services, Inc. displays fair financial health with a composite quality score of 52/100, supported by a Piotroski F-Score of 5/9, Return on Invested Capital (ROIC) of 5.4%.
Citizens Financial Services, Inc. pays a 2.9% dividend yield, covered by a 26% payout ratio with 4 years of growth, supplemented by a 0.2% buyback yield.
Citizens Financial Services, Inc.'s current growth trajectory is Stable. The company achieved +2.7% 1Y revenue growth and +31.6% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 75% of recent quarters with a 8-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Citizens Financial Services, Inc. include: -19.0% 1-year max drawdown. Volatility risk is characterized by a beta of 0.32x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.