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CITIZENS FINANCIAL SERVICES (CZFS) Stock Fundamental Analysis

NASDAQ:CZFS - Nasdaq - US1746151042 - Common Stock - Currency: USD

59.07  +0.52 (+0.89%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CZFS. CZFS was compared to 402 industry peers in the Banks industry. CZFS may be in some trouble as it scores bad on both profitability and health. CZFS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CZFS was profitable.
CZFS had a positive operating cash flow in the past year.
Each year in the past 5 years CZFS has been profitable.
Of the past 5 years CZFS 4 years had a positive operating cash flow.
CZFS Yearly Net Income VS EBIT VS OCF VS FCFCZFS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

CZFS has a Return On Assets of 0.90%. This is in the better half of the industry: CZFS outperforms 61.63% of its industry peers.
Looking at the Return On Equity, with a value of 9.17%, CZFS is in line with its industry, outperforming 59.90% of the companies in the same industry.
Industry RankSector 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
CZFS Yearly ROA, ROE, ROICCZFS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

CZFS's Profit Margin of 27.11% is fine compared to the rest of the industry. CZFS outperforms 69.80% of its industry peers.
CZFS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CZFS so they could not be analyzed.
Industry RankSector 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
CZFS Yearly Profit, Operating, Gross MarginsCZFS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

2. Health

2.1 Basic Checks

CZFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
CZFS has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, CZFS has more shares outstanding
CZFS has a worse debt/assets ratio than last year.
CZFS Yearly Shares OutstandingCZFS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M
CZFS Yearly Total Debt VS Total AssetsCZFS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of CZFS is 6.14, which is on the high side as it means it would take CZFS, 6.14 years of fcf income to pay off all of its debts.
CZFS's Debt to FCF ratio of 6.14 is on the low side compared to the rest of the industry. CZFS is outperformed by 68.81% of its industry peers.
A Debt/Equity ratio of 0.78 indicates that CZFS is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.78, CZFS is doing worse than 81.44% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 6.14
Altman-Z N/A
ROIC/WACCN/A
WACC11.49%
CZFS Yearly LT Debt VS Equity VS FCFCZFS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CZFS Yearly Current Assets VS Current LiabilitesCZFS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

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5

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%.
CZFS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.28% yearly.
Looking at the last year, CZFS shows a quite strong growth in Revenue. The Revenue has grown by 10.89% in the last year.
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.
CZFS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.44% yearly.
EPS Next Y10.71%
EPS Next 2Y8.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.21%
Revenue Next 2Y8.44%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CZFS Yearly Revenue VS EstimatesCZFS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
CZFS Yearly EPS VS EstimatesCZFS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.01 indicates a reasonable valuation of CZFS.
Based on the Price/Earnings ratio, CZFS is valued a bit cheaper than the industry average as 77.48% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CZFS to the average of the S&P500 Index (29.35), we can say CZFS is valued rather cheaply.
The Price/Forward Earnings ratio is 9.05, which indicates a very decent valuation of CZFS.
79.46% of the companies in the same industry are more expensive than CZFS, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of CZFS to the average of the S&P500 Index (22.10), we can say CZFS is valued rather cheaply.
Industry RankSector Rank
PE 10.01
Fwd PE 9.05
CZFS Price Earnings VS Forward Price EarningsCZFS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CZFS is valued cheaper than 83.66% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.45
EV/EBITDA N/A
CZFS Per share dataCZFS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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)0.94
PEG (5Y)4.4
EPS Next 2Y8.06%
EPS Next 3YN/A

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6

5. Dividend

5.1 Amount

CZFS has a Yearly Dividend Yield of 3.38%. Purely for dividend investing, there may be better candidates out there.
CZFS's Dividend Yield is a higher than the industry average which is at 3.37.
CZFS's Dividend Yield is a higher than the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 3.38%

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.
CZFS has decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.27%
Div Incr Years2
Div Non Decr Years2
CZFS Yearly Dividends per shareCZFS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

33.87% of the earnings are spent on dividend by CZFS. This is a low number and sustainable payout ratio.
The dividend of CZFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP33.87%
EPS Next 2Y8.06%
EPS Next 3YN/A
CZFS Yearly Income VS Free CF VS DividendCZFS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CZFS Dividend Payout.CZFS Dividend Payout, showing the Payout Ratio.CZFS Dividend Payout.PayoutRetained Earnings

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CITIZENS FINANCIAL SERVICES

NASDAQ:CZFS (3/7/2025, 8:17:01 PM)

59.07

+0.52 (+0.89%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners27.62%
Inst Owner Change17.42%
Ins Owners5.6%
Ins Owner Change0.23%
Market Cap281.17M
Analysts85.71
Price Target71.4 (20.87%)
Short Float %1.04%
Short Ratio3.65
Dividend
Industry RankSector Rank
Dividend Yield 3.38%
Yearly Dividend1.94
Dividend Growth(5Y)3.27%
DP33.87%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-14 2025-03-14 (0.5)
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)2.94%
PT rev (3m)2.94%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.4%
EPS NY rev (3m)2.4%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.01
Fwd PE 9.05
P/S 2.78
P/FCF 7.45
P/OCF 7.23
P/B 0.94
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)5.9
EY9.99%
EPS(NY)6.53
Fwd EY11.05%
FCF(TTM)7.93
FCFY13.42%
OCF(TTM)8.17
OCFY13.84%
SpS21.22
BVpS62.74
TBVpS44.08
PEG (NY)0.94
PEG (5Y)4.4
Profitability
Industry RankSector 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 RankSector 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
WACC11.49%
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 Year9.21%
Revenue Next 2Y8.44%
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