CZFS Valuation

Citizens Financial Services Inc

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56.300

-0.4(-0.705%)1D

Overview
Forecast
Valuation
Earnings

CZFS Relative Valuation

CZFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CZFS is overvalued; if below, it's undervalued.

Historical Valuation

Citizens Financial Services Inc (CZFS) is now in the Fair zone, suggesting that its current forward PE ratio of 7.89 is considered Fairly compared with the five-year average of 9.42. The fair price of Citizens Financial Services Inc (CZFS) is between 55.08 to 82.40 according to relative valuation methord.

Relative Value

Fair Zone

55.08-82.40

Current Price：56.30

Fair

7.89

Trailing

Forward

0.00

EV/EBITDA

Citizens Financial Services Inc. (CZFS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Citizens Financial Services Inc. (CZFS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Citizens Financial Services Inc. (CZFS) has a current PS of 0.00. The 5-year average PS is 2.67. The thresholds are as follows: Strongly Undervalued below -0.16, Undervalued between -0.16 and 1.26, Fairly Valued between 4.08 and 1.26, Overvalued between 4.08 and 5.49, and Strongly Overvalued above 5.49. The current Forward PS of 0.00 falls within the Undervalued range.

0.00

P/OCF

Citizens Financial Services Inc. (CZFS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Citizens Financial Services Inc. (CZFS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Citizens Financial Services Inc (CZFS) has a current Price-to-Book (P/B) ratio of 0.87. Compared to its 3-year average P/B ratio of 1.10 , the current P/B ratio is approximately -21.12% higher. Relative to its 5-year average P/B ratio of 1.13, the current P/B ratio is about -22.96% higher. Citizens Financial Services Inc (CZFS) has a Forward Free Cash Flow (FCF) yield of approximately 11.54%. Compared to its 3-year average FCF yield of 10.01%, the current FCF yield is approximately 15.33% lower. Relative to its 5-year average FCF yield of 10.10% , the current FCF yield is about 14.29% lower.

0.87

P/B

Median3y

1.10

Median5y

1.13

11.54

FCF Yield

Median3y

10.01

Median5y

10.10

Competitors Valuation Multiple

The average P/S ratio for CZFS's competitors is 2.32, providing a benchmark for relative valuation. Citizens Financial Services Inc Corp (CZFS) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 11.25%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CZFS.O

Citizens Financial Services Inc

Primis Financial Corp

John Marshall Bancorp Inc

CoastalSouth Bancshares Inc

Performance Decomposition

Market capitalization of CZFS increased by 1.55% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 21.83 to 31.48.

The secondary factor is the Revenue Growth, contributed 11.25%to the performance.

Overall, the performance of CZFS in the past 1 year is driven by Margin Expansion. Which is more sustainable.

11.25%

24.17M → 26.89M

Revenue Growth

44.21%

21.83 → 31.48

Margin Expansion

-53.91%

18.69 → 8.61

P/E Change

1.55%