Why Did Stan Druckenmiller Sell Broadcom Stock?
In Q3, legendary macro investor Stan Druckenmiller sold his entire…
Buy
56
CZFS Quote, Financials, Valuation and Earnings
Last price:
$55.36
Seasonality move
:
1.94%
Day range:
$56.29 - $57.37
52-week range:
$49.96 - $66.06
Dividend yield:
3.57%
P/E ratio:
7.82x
P/S ratio:
1.55x
P/B ratio:
0.82x
Volume:
5.8K
Avg. volume:
8.7K
1-year change:
-7.78%
Market cap:
$267.5M
Revenue:
$169.5M
EPS (TTM):
$7.12
Analysts' Opinion
-
Consensus RatingCitizens Financial Services, Inc. has received a consensus rating of Buy. The company's average rating is a Buy based on 1 Buy rating, 0 Hold ratings, and 0 Sell ratings.
-
Price Target UpsideAccording to analysts' consensus price target of $65.00, Citizens Financial Services, Inc. has an estimated upside of 16.8% from its current price of $57.02.
-
Price Target DownsideAccording to analysts, the lowest downside price target is $65.00 representing 100% downside risk from its current price of $57.02.
Fair Value
-
According to the consensus of 1 analyst, Citizens Financial Services, Inc. has 16.8% upside to fair value with a price target of $65.00 per share.
CZFS vs. S&P 500
-
Over the past 5 trading days, Citizens Financial Services, Inc. has underperformed the S&P 500 by -4.14% suggesting its relative strength compared to the major market average is weak at this time.
Share Buyback
-
Citizens Financial Services, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Citizens Financial Services, Inc. has grown year-over-year revenues for 2 quarters straight. In the most recent quarter Citizens Financial Services, Inc. reported revenues of $44.1M.
Earnings Growth
-
Citizens Financial Services, Inc. has grown year-over-year earnings for 4 quarters straight. In the most recent quarter Citizens Financial Services, Inc. reported earnings per share of $2.09.
Enterprise value:
547.1M
EV / Invested capital:
--
Price / LTM sales:
1.55x
EV / EBIT:
5.22x
EV / Revenue:
3.18x
PEG ratio (5yr expected):
0.33x
EV / Free cash flow:
21.74x
Price / Operating cash flow:
10.56x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1.13%
Net Income Margin (TTM):
19.82%
Return On Equity:
11.01%
Return On Invested Capital:
5.71%
Operating Margin:
28.03%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $123.1M | $168.3M | $171.9M | $42.4M | $44.1M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $31.3M | $33.4M | $41.7M | $9.3M | $12.4M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $4.24 | $5.76 | $7.12 | $1.59 | $2.09 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $119.7M | $36.6M | $58.7M | $53.9M | $48.7M | |
| Total Assets | $2B | $2.3B | $3B | $3B | $3.1B | |
| Current Liabilities | $1.1B | $1.3B | $1.6B | $1.6B | $1.7B | |
| Total Liabilities | $1.8B | $2.2B | $2.7B | $2.7B | $2.7B | |
| Total Equity | $209M | $191.4M | $262.7M | $298.7M | $327.7M | |
| Total Debt | $37.1M | $258.9M | $316.2M | $231.7M | $279.6M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $20.8M | $37.1M | $26.9M | $4.8M | $172K | |
| Cash From Investing | $76.5M | -$63.4M | -$30.3M | -$77.6M | -$100.8M | |
| Cash From Financing | -$77M | $19.7M | -$2.2M | $71.2M | $82.3M | |
| Free Cash Flow | $18.3M | $36.5M | $25.2M | $4.2M | $27K | |
CZFS
Sector
Market Cap
$267.5M
$549M
Price % of 52-Week High
84.24%
90.77%
Dividend Yield
3.57%
1.57%
Shareholder Yield
7.21%
3.06%
1-Year Price Total Return
-7.78%
6.69%
Beta (5-Year)
0.421
0.461
Dividend yield:
3.57%
Annualized payout:
$1.94
Payout ratio:
23.98%
Growth streak:
3 years
Technicals
8-day SMA
Sell
Level
$58.34
200-day SMA
Sell
Level
$58.07
Bollinger Bands (100)
Sell
Level
55.21 - 61.19
Chaikin Money Flow
Buy
Level
1.3M
20-day SMA
Sell
Level
$59.05
Relative Strength Index (RSI14)
Sell
Level
44.15
ADX Line
Sell
Level
17.48
Williams %R
Buy
Level
-93.7733
50-day SMA
Sell
Level
$57.05
MACD (12, 26)
Buy
Level
0.14
25-day Aroon Oscillator
Buy
Level
24
On Balance Volume
Neutral
Level
701K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.5444)
Sell
CA Score
(Annual)
Level (-2.1454)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (4)
Sell
Ohlson Score
Level (6.3081)
Buy
Piotroski F Score
(Annual)
Level (7)
Buy
Quality Ratio Score
Level (3)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Citizens Financial Services, Inc. is a holding company, which operates as a community bank. The company was founded in 1984 and is headquartered in Mansfield, PA.
Stock Forecast FAQ
In the current month, CZFS has received 1 Buy ratings 0 Hold ratings, and 0 Sell ratings. The CZFS average analyst price target in the past 3 months is $65.00.
-
Where Will Citizens Financial Services, Inc. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Citizens Financial Services, Inc. share price will rise to $65.00 per share over the next 12 months.
-
What Do Analysts Say About Citizens Financial Services, Inc.?
Analysts are divided on their view about Citizens Financial Services, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Citizens Financial Services, Inc. is a Sell and believe this share price will drop from its current level to $65.00.
-
What Is Citizens Financial Services, Inc.'s Price Target?
The price target for Citizens Financial Services, Inc. over the next 1-year time period is forecast to be $65.00 according to 1 Wall Street analyst, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.
-
Is CZFS A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Citizens Financial Services, Inc. is a Buy. 1 of 1 analysts rates the stock a Buy at this time.
-
How Can I Buy Shares Of CZFS?
You can purchase shares of Citizens Financial Services, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Citizens Financial Services, Inc. shares.
-
What Is The Citizens Financial Services, Inc. Share Price Today?
Citizens Financial Services, Inc. was last trading at $55.36 per share. This represents the most recent stock quote for Citizens Financial Services, Inc.. Yesterday, Citizens Financial Services, Inc. closed at $57.02 per share.
-
How To Buy Citizens Financial Services, Inc. Stock Online?
In order to purchase Citizens Financial Services, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
CZFS
Sector
P/E ratio
7.82x
12.13x
PEG ratio
0.33x
0.30x
P/B ratio
0.82x
1.10x
Price / LTM sales
1.55x
1.81x
Growth Metrics
CZFS
Sector
Revenue growth
4.11%
5.54%
Earnings growth
31.47%
14.72%
Revenue (5-year growth)
19.35%
8.83%
Earnings forecast
$1.76
$0.64
Profitability
CZFS
Sector
Profitability FY 2024
--
--
Return on invested capital
5.71%
5.01%
Return on assets
1.13%
1%
Return on equity
11.01%
9.65%
Earnings Date
Last Earnings Date
Oct
30
Next Earnings Date
Jan
22
Estimated Next Earnings Date
Jan
29
Balance Sheet
CZFS
Sector
Total cash
$116.8M
$424.6M
Short term investments
$47.1M
$198.2M
Total assets
$3B
$3.1B
Long term debt
$279.6M
$78.3M
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