CZFS

Citizens Financial Services Inc

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Advanced Chart

60.570

+3.37(5.892%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

61.130

Open

57.750

VWAP

60.05

Vol

26.48K

Mkt Cap

291.18M

Low

57.750

Amount

1.59M

EV/EBITDA(TTM)

13.17

Total Shares

4.75M

538.71M

EV/OCF(TTM)

10.13

P/S(TTM)

2.65

Citizens Financial Services, Inc. is the holding company for First Citizens Community Bank (the Bank). The Bank is a full-service bank engaged in a range of banking activities and services for individual, business, governmental and institutional customers. These 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 Bank also provides trust services, including the administration of trusts and estates, retirement plans, and other employee benefit plans, along with a brokerage division that provides a comprehensive menu of investment services. It is primarily engaged in the ownership and management of CZFS Acquisition Company, LLC, its subsidiary, the Bank, and the Banks' wholly owned subsidiaries, First Citizens Insurance Agency, Inc. and 1st Realty of PA LLC.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

1.760

+11.8%

1.790

+7.61%

1.810

+14.26%

Estimates Revision

The market is revising No Change the revenue expectations for Citizens Financial Services, Inc. (CZFS) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 3.60%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+6.81%

In Past 3 Month

Stock Price

Go Up

+3.60%

In Past 3 Month

Valuation Metrics

The current forward P/E ratio for Citizens Financial Services Inc (CZFS.O) is 7.96, compared to its 5-year average forward P/E of 9.41. For a more detailed relative valuation and DCF analysis to assess Citizens Financial Services Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

9.41

Current PE

7.96

Overvalued PE

11.80

Undervalued PE

7.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

N/A

5Y Average PS

2.66

Current PS

0.00

Overvalued PS

4.08

Undervalued PS

1.24