NASDAQ: CZFSCitizens Financial Services Inc Stock
$45.00+1.73 (+4%)
Updated Apr 19, 2024
CZFS Price
$45.00
Fair Value Price
N/A
Market Cap
$211.81M
52 Week Low
$40.71
52 Week High
$92.00
P/E
11.08x
P/B
0.76x
P/S
3.29x
PEG
N/A
Dividend Yield
4.34%
Revenue
$86.34M
Earnings
$17.81M
Gross Margin
100%
Operating Margin
24.92%
Profit Margin
20.6%
Debt to Equity
9.64
Operating Cash Flow
$27M
Beta
0.24
Next Earnings
Apr 25, 2024
Ex-Dividend
N/A
Next Dividend
N/A
CZFS Overview
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
CZFS was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CZFS is good value based on its earnings relative to its share price (11.08x), compared to the US market average (40.51x)
P/E vs Market Valuation
CZFS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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Valuation
CZFS fair value
Fair Value of CZFS stock based on Discounted Cash Flow (DCF)
Price
$45.00
Fair Value
$68.24
Undervalued by
34.05%
CZFS was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CZFS price to earnings (PE)
For valuing profitable companies with steady earnings
Company
11.08x
Industry
-10.33x
Market
40.51x
CZFS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CZFS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CZFS price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.76x
Industry
0.97x
CZFS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CZFS's financial health
Profit margin
Revenue
$25.1M
Net Income
$7.5M
Profit Margin
30%
CZFS's Earnings (EBIT) of $21.52M... subscribe to Premium to read more.
Interest Coverage Financials
CZFS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$3.0B
Liabilities
$2.7B
Debt to equity
9.64
CZFS's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CZFS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$16.2M
Investing
$3.7M
Financing
-$10.4M
CZFS's operating cash flow ($26.54M)... subscribe to Premium to read more.
Debt Coverage Financials
CZFS vs Bank Stocks
Citizens Financial Services Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.