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CZFS

Citizens Financial Services Inc
$
54.600
-0.700(-1.270%)
  • Overview
  • Forecast
  • Valuation
Line
Line
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Candle
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
55.365
Open
55.310
VWAP
54.17
Vol
5.94K
Mkt Cap
259.87M
Low
53.8119
Amount
321.69K
EV/EBITDA(TTM)
15.24
Total Shares
4.75M
EV
531.81M
EV/OCF(TTM)
5.67
P/S(TTM)
2.77

Citizens Financial Services, Inc. is a bank 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 c...Show More

Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q1
FY2025Q2
FY2025Q3
23.50M
+6.3%
1.490
+1%
--
--
1.560
+20%
--
--
1.650
+3.77%
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 -7.06%.
Revenue Estimates for FY2025
No Change
down Image
0.00%
In Past 3 Month
EPS Estimates for FY2025
No Change
down Image
0.00%
In Past 3 Month
Stock Price
Go Down
down Image
-7.06%
In Past 3 Month

Valuation Metrics

The current forward P/E ratio for Citizens Financial Services Inc (CZFS.O) is 8.64, compared to its 5-year average forward P/E of 9.40. For a more detailed relative valuation and DCF analysis to assess Citizens Financial Services Inc 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
9.40
Current PE
8.64
Overvalued PE
11.84
Undervalued PE
6.96

Forward EV/EBITDA

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
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

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PS
2.88
Current PS
2.83
Overvalued PS
4.11
Undervalued PS
1.65

Financials

Annual
Quarterly
FY2024Q4
YoY :
+3.64%
26.06M
Total Revenue
FY2024Q4
YoY :
+2.66%
9.51M
Operating Profit
FY2024Q4
YoY :
+5.88%
7.98M
Net Income after Tax
FY2024Q4
YoY :
+5.66%
1.68
EPS - Diluted
FY2024Q3
YoY :
+140.07%
182.65M
Free Cash Flow
FY2024Q4
YoY :
-100.00%
N/A
FCF Margin - %
FY2024Q4
YoY :
+2.43%
30.72
Net Margin - %
FY2024Q4
YoY :
+38.10%
4.64
ROIC

Trading Trends

Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
8.4K
USD
1
6-9
Months
27.4K
USD
1
0-12
Months
0.0
USD
0
Bought
0-3
2
7.3K
USD
Months
3-6
2
17.3K
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

CZFS News & Events

Events Timeline
2025-01-30 (ET)
2025-01-30
15:27:59
Citizens Financial Services reports Q4 EPS $1.68 vs. $1.59 last year
select
News
9.5
01-30SeekingAlpha
Citizens Financial Services GAAP EPS of $1.68 beats by $0.15, revenue of $26.21M
-.-
01-30PRnewswire
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED FULL YEAR AND FOURTH QUARTER 2024 FINANCIAL RESULTS
-.-
2024-10-30PRnewswire
CITIZENS FINANCIAL SERVICES, INC. REPORTS UNAUDITED THIRD QUARTER 2024 FINANCIAL RESULTS
9.5
2024-10-21NASDAQ.COM
LCNB (LCNB) Q3 Earnings and Revenues Top Estimates
9.5
2024-10-17NASDAQ.COM
Independent Bank Corp. (INDB) Surpasses Q3 Earnings and Revenue Estimates
8.0
2024-09-11Yahoo Finance
Discover 3 US Dividend Stocks Yielding Over 3%
4.5
2024-08-27Yahoo Finance
Top US Dividend Stocks To Consider In August 2024
4.0
2024-08-12Yahoo Finance
Top US Dividend Stocks To Watch In August 2024
6.4
2024-07-31Business Insider
CZFS Stock Earnings: Citizens Financial Servs Misses EPS, Beats Revenue for Q2 2024
6.8
2024-07-30NASDAQ.COM
Citizens Financial Services (CZFS) Misses Q2 Earnings and Revenue Estimates
6.8
2024-07-30SeekingAlpha
Citizens Financial Services GAAP EPS of $1.11 misses by $0.21, revenue of $24.64M
7.2
2024-07-26NASDAQ.COM
Territorial Bancorp (TBNK) Reports Q2 Loss, Lags Revenue Estimates
6.8
2024-07-22NASDAQ.COM
TrustCo Bank (TRST) Q2 Earnings and Revenues Beat Estimates
4.0
2024-06-28Yahoo Finance
3 Leading Dividend Stocks With Yields Up To 4.9%
4.0
2024-06-20NASDAQ.COM
New Strong Sell Stocks for June 20th
-.-
2024-04-30SeekingAlpha
Citizens Financial Services upgraded to Buy at Janney on discounted valuation
-.-
2024-04-26earning
Citizens Financial Services GAAP EPS of $1.49, revenue of $25.93M
-.-
2024-04-26Business Insider
CZFS Stock Earnings: Citizens Financial Servs Misses EPS, Beats Revenue for Q1 2024
-.-
2024-04-25NASDAQ.COM
Citizens Financial Services (CZFS) Misses Q1 Earnings Estimates
-.-
2024-04-22earning
MainStreet Bank Q1 Earnings and Revenues Lag Estimates

FAQ

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What is Citizens Financial Services Inc (CZFS) stock price today?

The current price of CZFS is 54.6 USD — it has decreased -1.27 % in the last trading day.

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What is Citizens Financial Services Inc (CZFS)'s business?

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What is the price predicton of CZFS Stock?

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What is Citizens Financial Services Inc (CZFS)'s revenue for the last quarter?

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What is Citizens Financial Services Inc (CZFS)'s earnings per share (EPS) for the last quarter?

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What changes have occurred in the market's expectations for Citizens Financial Services Inc (CZFS)'s fundamentals?

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How many employees does Citizens Financial Services Inc (CZFS). have?

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