WallStreetZenWallStreetZen

NASDAQ: CZFS
Citizens Financial Services Inc Stock

$53.99+1.66 (+3.17%)
Updated Oct 7, 2024
CZFS Price
$53.99
Fair Value Price
N/A
Market Cap
$256.99M
52 Week Low
$38.53
52 Week High
$65.86
P/E
9.27x
P/B
0.9x
P/S
2.17x
PEG
N/A
Dividend Yield
3.61%
Revenue
$98.51M
Earnings
$27.39M
Gross Margin
100%
Operating Margin
33.76%
Profit Margin
27.8%
Debt to Equity
9.29
Operating Cash Flow
$40M
Beta
0.3
Next Earnings
Oct 21, 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 (31)
You've viewed Zen Score for 10/10 free stocks. Upgrade to Premium to see how CZFS scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CZFS is forecast by analysts to be 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 (9.27x), compared to the US market average (26.63x)
P/E vs Market Valuation
CZFS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more CZFS due diligence checks available for Premium users.

Be the first to know about important CZFS news, forecast changes, insider trades & much more!

Valuation

CZFS price to earnings (PE)

For valuing profitable companies with steady earnings
Company
9.27x
Industry
11.91x
Market
26.63x
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
0.9x
Industry
1.11x
CZFS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CZFS's financial health

Profit margin

Revenue
$22.6M
Net Income
$5.3M
Profit Margin
23.3%
CZFS's Earnings (EBIT) of $33.26M... subscribe to Premium to read more.
Interest Coverage Financials
CZFS's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.9B
Liabilities
$2.7B
Debt to equity
9.29
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
$3.0M
Investing
-$13.0M
Financing
$18.8M
CZFS's operating cash flow ($40.11M)... subscribe to Premium to read more.
Debt Coverage Financials

CZFS vs Bank Stocks

TickerMarket Cap1d %P/EP/B
CZFS$256.99M+3.17%9.27x0.90x
PCB$255.72M-0.88%10.81x0.72x
BCAL$258.36M-1.35%15.83x0.88x
BCML$259.94M-0.72%10.99x0.82x
COFS$261.02M-1.02%9.71x1.22x

Citizens Financial Services Stock FAQ

What is Citizens Financial Services's quote symbol?

(NASDAQ: CZFS) Citizens Financial Services trades on the NASDAQ under the ticker symbol CZFS. Citizens Financial Services stock quotes can also be displayed as NASDAQ: CZFS.

If you're new to stock investing, here's how to buy Citizens Financial Services stock.

What is the 52 week high and low for Citizens Financial Services (NASDAQ: CZFS)?

(NASDAQ: CZFS) Citizens Financial Services's 52-week high was $65.86, and its 52-week low was $38.53. It is currently -18.02% from its 52-week high and 40.14% from its 52-week low.

How much is Citizens Financial Services stock worth today?

(NASDAQ: CZFS) Citizens Financial Services currently has 4,759,931 outstanding shares. With Citizens Financial Services stock trading at $53.99 per share, the total value of Citizens Financial Services stock (market capitalization) is $256.99M.

Citizens Financial Services stock was originally listed at a price of $20.08 in Jan 4, 1999. If you had invested in Citizens Financial Services stock at $20.08, your return over the last 25 years would have been 168.83%, for an annualized return of 4.03% (not including any dividends or dividend reinvestments).

How much is Citizens Financial Services's stock price per share?

(NASDAQ: CZFS) Citizens Financial Services stock price per share is $53.99 today (as of Oct 7, 2024).

What is Citizens Financial Services's Market Cap?

(NASDAQ: CZFS) Citizens Financial Services's market cap is $256.99M, as of Oct 8, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Citizens Financial Services's market cap is calculated by multiplying CZFS's current stock price of $53.99 by CZFS's total outstanding shares of 4,759,931.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

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.