CITIZENS FINANCIAL SERVICES(NASDAQ:CZFS) stock Fundamental Analysis

Fundamental Rating

CZFS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. Both the profitability and financial health of CZFS have multiple concerns. CZFS is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year CZFS was profitable.

CZFS had a positive operating cash flow in the past year.

In the past 5 years CZFS has always been profitable.

Of the past 5 years CZFS 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.90%, CZFS is in the better half of the industry, outperforming 61.31% of the companies in the same industry.

CZFS has a Return On Equity (9.17%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.9%
ROE	9.17%
ROIC	N/A

ROA(3y)0.92%

ROA(5y)1.09%

ROE(3y)10.06%

ROE(5y)11.36%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CZFS has a better Profit Margin (27.11%) than 70.10% of its industry peers.

In the last couple of years the Profit Margin of CZFS has declined.

The Operating Margin and Gross Margin are not available for CZFS so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	27.11%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.73%

PM growth 5Y-3.95%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CZFS does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, CZFS has about the same amount of shares outstanding.

The number of shares outstanding for CZFS has been increased compared to 5 years ago.

CZFS has a worse debt/assets ratio than last year.

2.2 Solvency

CZFS has a debt to FCF ratio of 6.14. This is a slightly negative value and a sign of low solvency as CZFS would need 6.14 years to pay back of all of its debts.

CZFS has a worse Debt to FCF ratio (6.14) than 70.60% of its industry peers.

CZFS has a Debt/Equity ratio of 0.78. This is a neutral value indicating CZFS is somewhat dependend on debt financing.

CZFS has a worse Debt to Equity ratio (0.78) than 81.41% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.78
Debt/FCF	6.14
Altman-Z	N/A

ROIC/WACCN/A

WACC11.69%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CZFS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.65%.

Measured over the past 5 years, CZFS shows a small growth in Earnings Per Share. The EPS has been growing by 2.28% on average per year.

CZFS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.89%.

Measured over the past years, CZFS shows a quite strong growth in Revenue. The Revenue has been growing by 11.79% on average per year.

EPS 1Y (TTM)-9.65%

EPS 3Y-6.27%

EPS 5Y2.28%

EPS Q2Q%6.05%

Revenue 1Y (TTM)10.89%

Revenue growth 3Y9.11%

Revenue growth 5Y11.79%

Sales Q2Q%4.66%

3.2 Future

Based on estimates for the next years, CZFS will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.06% on average per year.

Based on estimates for the next years, CZFS will show a quite strong growth in Revenue. The Revenue will grow by 10.30% on average per year.

EPS Next Y10.71%

EPS Next 2Y8.06%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.78%

Revenue Next 2Y10.3%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

CZFS is valuated reasonably with a Price/Earnings ratio of 9.76.

74.12% of the companies in the same industry are more expensive than CZFS, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of CZFS to the average of the S&P500 Index (28.33), we can say CZFS is valued rather cheaply.

CZFS is valuated reasonably with a Price/Forward Earnings ratio of 8.82.

68.59% of the companies in the same industry are more expensive than CZFS, based on the Price/Forward Earnings ratio.

The average S&P500 Price/Forward Earnings ratio is at 21.37. CZFS is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.76
Fwd PE	8.82

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CZFS is valued cheaper than 81.91% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	7.26
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.91

PEG (5Y)4.28

EPS Next 2Y8.06%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CZFS has a Yearly Dividend Yield of 3.54%.

Compared to an average industry Dividend Yield of 3.66, CZFS has a dividend in line with its industry peers.

CZFS's Dividend Yield is a higher than the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	3.54%

5.2 History

The dividend of CZFS has a limited annual growth rate of 3.27%.

CZFS has paid a dividend for at least 10 years, which is a reliable track record.

The dividend of CZFS decreased in the last 3 years.

Dividend Growth(5Y)3.27%

Div Incr Years2

Div Non Decr Years2

5.3 Sustainability

33.87% of the earnings are spent on dividend by CZFS. This is a low number and sustainable payout ratio.

CZFS's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP33.87%

EPS Next 2Y8.06%

EPS Next 3YN/A

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CITIZENS FINANCIAL SERVICES

NASDAQ:CZFS (4/22/2025, 8:00:00 PM)

After market: 55.28 -2.29 (-3.98%)

57.57

+2.55 (+4.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-25 2025-04-25/amc

Inst Owners27.62%

Inst Owner Change1.7%

Ins Owners5.6%

Ins Owner Change0.24%

Market Cap274.03M

Analysts85.71

Price Target71.4 (24.02%)

Short Float %1%

Short Ratio4

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.54%

Yearly Dividend1.94

Dividend Growth(5Y)3.27%

DP33.87%

Div Incr Years2

Div Non Decr Years2

Ex-Date03-14 2025-03-14 (0.495)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)4.87%

Min EPS beat(2)-3.21%

Max EPS beat(2)12.96%

EPS beat(4)1

Avg EPS beat(4)-2.17%

Min EPS beat(4)-15.24%

Max EPS beat(4)12.96%

EPS beat(8)4

Avg EPS beat(8)949.66%

EPS beat(12)4

Avg EPS beat(12)632.25%

EPS beat(16)7

Avg EPS beat(16)476.28%

Revenue beat(2)0

Avg Revenue beat(2)-5.6%

Min Revenue beat(2)-7%

Max Revenue beat(2)-4.21%

Revenue beat(4)0

Avg Revenue beat(4)-5.09%

Min Revenue beat(4)-7.45%

Max Revenue beat(4)-1.71%

Revenue beat(8)2

Avg Revenue beat(8)-2.9%

Revenue beat(12)5

Avg Revenue beat(12)0.84%

Revenue beat(16)9

Avg Revenue beat(16)5.08%

PT rev (1m)0%

PT rev (3m)2.94%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)2.4%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)3.27%

Revenue NY rev (3m)3.27%

Valuation

		Industry Rank	Sector Rank
PE	9.76
Fwd PE	8.82
P/S	2.71
P/FCF	7.26
P/OCF	7.04
P/B	0.92
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)5.9

EY10.25%

EPS(NY)6.53

Fwd EY11.34%

FCF(TTM)7.93

FCFY13.77%

OCF(TTM)8.17

OCFY14.2%

SpS21.22

BVpS62.74

TBVpS44.08

PEG (NY)0.91

PEG (5Y)4.28

Profitability

		Industry Rank	Sector Rank
ROA	0.9%
ROE	9.17%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	27.11%
GM	N/A
FCFM	37.38%

ROA(3y)0.92%

ROA(5y)1.09%

ROE(3y)10.06%

ROE(5y)11.36%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-9.73%

PM growth 5Y-3.95%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.78
Debt/FCF	6.14
Debt/EBITDA	N/A
Cap/Depr	61.62%
Cap/Sales	1.15%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	137.89%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC11.69%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-9.65%

EPS 3Y-6.27%

EPS 5Y2.28%

EPS Q2Q%6.05%

EPS Next Y10.71%

EPS Next 2Y8.06%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.89%

Revenue growth 3Y9.11%

Revenue growth 5Y11.79%

Sales Q2Q%4.66%

Revenue Next Year12.78%

Revenue Next 2Y10.3%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y129.6%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y102.32%

OCF growth 3YN/A

OCF growth 5YN/A

CITIZENS FINANCIAL SERVICES (CZFS) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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