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CZFS
Citizens Financial Services Inc
NASDAQ· Financial Services· Banks - Regional· CUSIP 174615104
$80.98-0.21%Price as of Aug 29, 18:39 UTC · updated once a day, after the close
Key metrics
- Market cap
- $389.5M
- P/E
- 9.5x
- Forward P/E
- 9.2x
- P/B
- 1.1x
- Dividend yield
- 2.52%
- Payout
- 23.86%
- EPS
- $8.55
- ROE
- 12.32%
- Profit margin
- 35.77%
- Revenue growth
- +10.00%
- Beta
- 0.38
- 52-week high
- $84.35
- 52-week low
- $52.35
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +33.4% over 5Y.
today you would have $1,531.41▲ +53.1%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 17 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $57.02 | $63.31 | $64.08 | $75.21 | $58.91 | $54.35 | $59.69 | $53.92 | $60.54 | $50.93 | $47.09 | $51.56 | $51.38 | $38.96 | $30.95 | $33.20 | $23.10 | |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$118.80
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$53.77
Earnings growing 3.8% a year plus a 2.5% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$114.44
Median P/E of 13.4 among peers in the sector.
Earnings
$93.49
Median P/E of 10.9 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
$52.63
Cash flow growing 3.8% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| MTALMetals Acquisition Corp. II | $10.16 | — | — | — | — | $389.47M |
| WENNWEN Acquisition Corp | $10.39 | 32.5x | — | — | — | $389.82M |
| RDAGRepublic Digital Acquisition Co | $10.40 | — | — | — | — | $390M |
| ALFCenturion Acquisition Corp. | $10.88 |
About the company
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.
- 388
- Mansfield, United States
Company description provided by Yahoo Finance.