CZFS Valuation

Citizens Financial Services Inc

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55.280

0.000(0.000%)

Overview
Forecast
Valuation

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 8.36 is considered Fairly compared with the five-year average of 9.40. The fair price of Citizens Financial Services Inc (CZFS) is between 50.52 to 76.31 according to relative valuation methord.

Relative Value

Fair Zone

50.52-76.31

Current Price：55.28

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

0.85

P/B

Median3y

1.15

Median5y

1.14

12.26

FCF Yield

Median3y

10.30

Median5y

9.99

Competitors Valuation Multiple

The average P/S ratio for CZFS's competitors is 2.25, providing a benchmark for relative valuation. Citizens Financial Services Inc Corp (CZFS) exhibits a P/S ratio of 2.70, which is 20.05% above the industry average. Given its robust revenue growth of 3.64%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

CZFS.O

Citizens Financial Services Inc