NASDAQ
CZFS
Last Price
US $74.13
KEY FIGURES
MKT CAP
$354.7M
EPS
TTM
$8.20
PEG
TTM
0.23x
P/E
TTM
9.00x
P/S
TTM
2.05x
YIELD
2.72%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Citizens Financial Services, Inc. cash flow to debt ratio of 11.81% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
Citizens Financial Services, Inc.'s free cash flow has increased 10.57% from $31.87M last year to $35.24M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Citizens Financial Services, Inc.'s debt to equity ratio is 0.58, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Citizens Financial Services, Inc.'s debt has decreased relative to shareholder equity from 0.99 last year to 0.58 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
Citizens Financial Services, Inc. has a net debt to EBITDA ratio of 6.02x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial stability - ICR.
Citizens Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Citizens Financial Services, Inc.'s profit margin has increased (36.39%) in the last year from 16.50% to 22.50%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Citizens Financial Services, Inc.'s short-term liabilities of $2.40G exceed its short-term assets of $84.86M, signaling financial risk
Decreasing performance - ROA.
Citizens Financial Services, Inc.'s return on assets of 1.30% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Citizens Financial Services, Inc.'s return on equity of 11.89%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Citizens Financial Services, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Citizens Financial Services, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Citizens Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Citizens Financial Services, Inc. has a free cash flow yield of 9.93%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Citizens Financial Services, Inc.'s yearly earnings has increased 31.47% since last year from $27.82M to $36.57M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
Citizens Financial Services, Inc.'s yearly revenue has decreased -5.60% since last year from $168.62M to $159.17M, signaling decreasing performance
Increasing performance - ROIC.
ROIC 6.76% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Citizens Financial Services, Inc.'s 3-year revenue CAGR of 23.00% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Citizens Financial Services, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Citizens Financial Services, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Citizens Financial Services, Inc. is overvalued relative to its fair value price of 72.88 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Citizens Financial Services, Inc. has an earnings yield of 11.10%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Citizens Financial Services, Inc. is overvalued relative to its fair value price of 8.42 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Citizens Financial Services, Inc. has an EV/EBITDA ratio of 10.51x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Citizens Financial Services, Inc. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Citizens Financial Services, Inc. has a price-to-book ratio of 1.03x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Citizens Financial Services, Inc. has a price-to-sales ratio of 2.03x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
11.89%
Return on equity
ROIC: 6.76%
Valuation History
9X
Price to Earnings
EV/EBITDA: 10.5X
Cash flow
Profit margin
16.22%
(FY vs FY)
EBITDA Y/Y
7.43%
(FY vs FY)
Cash flow Y/Y
26.50%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $74.13
-1.69%
Default assumptions
EBITDA Multiple
Fair Value
Market $74.13
-88.64%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.