Financhill
Sell
34

CZFS Quote, Financials, Valuation and Earnings

Last price:
$66.55
Seasonality move :
4.2%
Day range:
$64.20 - $66.69
52-week range:
$38.52 - $75.40
Dividend yield:
2.96%
P/E ratio:
11.49x
P/S ratio:
3.15x
P/B ratio:
1.05x
Volume:
7.6K
Avg. volume:
23.9K
1-year change:
2.17%
Market cap:
$314.9M
Revenue:
$91.9M
EPS (TTM):
$5.76

Analysts' Opinion

  • Consensus Rating
    Citizens Financial Services has received a consensus rating of --. The company's average rating is a -- based on 0 Buy ratings, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of --, Citizens Financial Services has an estimated downside of -9.31% from its current price of $66.16.
  • Price Target Upside
    According to analysts, the highest upside price target is -- representing -100% upside increase from its current price of $66.16.

Fair Value

  • According to the consensus of 0 analysts, Citizens Financial Services has -9.31% downside to fair value with a price target of -- per share.

CZFS vs. S&P 500

  • Over the past 5 trading days, Citizens Financial Services has overperformed the S&P 500 by 3.87% 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 revenues have been falling on a year-over-year basis for 1 quarter in a row. In the most recent quarter Citizens Financial Services reported revenues of $25.1M.

Earnings Growth

  • Citizens Financial Services has grown year-over-year earnings for 0 quarters straight. In the most recent quarter Citizens Financial Services reported earnings per share of $1.59.
Enterprise value:
86.9M
EV / Invested capital:
0.16x
Price / LTM sales:
3.15x
EV / EBIT:
0.86x
EV / Revenue:
0.87x
PEG ratio (5yr expected):
0.32x
EV / Free cash flow:
2.30x
Price / Operating cash flow:
8.32x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.92%
Net Income Margin (TTM):
27.41%
Return On Equity:
9.71%
Return On Invested Capital:
4.72%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Income Statement
Revenue $79.6M $88.1M $99.9M $26.1M $25.1M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $6.93 $4.24 $5.76 $1.59 $1.59
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Balance Sheet
Current Assets $383.1M $515.5M $498.6M $494.2M $479.6M
Total Assets $1.9B $2B $2.3B $3B $3B
Current Liabilities $1M $823K $922K $2.7M $5.5M
Total Liabilities $1.7B $1.8B $2.2B $2.7B $2.7B
Total Equity $189.1M $209M $191.4M $262.7M $298.7M
Total Debt $99.6M $78.2M $258.9M $316.2M $231.7M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Cash Flow Statement
Cash Flow Operations $30.7M $19.2M $38.9M $7.4M $6.2M
Cash From Investing -$408.7M $78M -$65.2M -$72.9M -$79M
Cash From Financing $299.3M -$77M $19.7M $64.1M $71.2M
Free Cash Flow $29.4M $16.4M $37.7M $7M $5.6M
CZFS
Sector
Market Cap
$314.9M
$700.3M
Price % of 52-Week High
87.75%
88.31%
Dividend Yield
2.96%
2.2%
Shareholder Yield
9.59%
3.87%
1-Year Price Total Return
2.17%
7.75%
Beta (5-Year)
0.537
0.737
Dividend yield:
2.96%
Annualized payout:
$1.93
Payout ratio:
33.89%
Growth streak:
2 years

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Technicals

8-day SMA
Buy
Level $66.10
200-day SMA
Buy
Level $52.14
Bollinger Bands (100)
Buy
Level 51.19 - 67.89
Chaikin Money Flow
Buy
Level 1.1M
20-day SMA
Sell
Level $68.80
Relative Strength Index (RSI14)
Sell
Level 46.61
ADX Line
Buy
Level 22.69
Williams %R
Neutral
Level -67.179
50-day SMA
Sell
Level $66.49
MACD (12, 26)
Sell
Level -0.61
25-day Aroon Oscillator
Sell
Level -68
On Balance Volume
Neutral
Level 626.2K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.4555)
Sell
CA Score (Annual)
Level (-2.2169)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (2.7378)
--
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 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CZFS average analyst price target in the past 3 months is --.

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

    According to analysts, the consensus estimate is that Citizens Financial Services share price will drop to -- 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 rise from its current level to --.

  • 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 -- according to 0 Wall Street analysts, 0 of them rate 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 --. 0 of 0 analysts rate the stock a -- 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 $66.55 per share. This represents the most recent stock quote for Citizens Financial Services. Yesterday, Citizens Financial Services closed at $66.16 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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