Citizens Financial Services Inc (CZFS) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.64 is considered Undervalued compared with the five-year average of 9.52. The fair price of Citizens Financial Services Inc (CZFS) is between 60.43 to 89.36 according to relative valuation method. Compared to the current price of 59.61 USD , Citizens Financial Services Inc By Undervalued By 1.35%.

Relative Value

Fair Zone

60.43-89.36

Current Price：59.61

1.35%

Undervalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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Citizens Financial Services Inc (CZFS) has a current Price-to-Book (P/B) ratio of 0.82. Compared to its 3-year average P/B ratio of 0.99, the current P/B ratio is approximately -17.45% higher. Relative to its 5-year average P/B ratio of 1.12, the current P/B ratio is about -26.79% higher. Citizens Financial Services Inc (CZFS) has a Forward Free Cash Flow (FCF) yield of approximately 10.69%. Compared to its 3-year average FCF yield of 10.17%, the current FCF yield is approximately 5.11% lower. Relative to its 5-year average FCF yield of 10.93%, the current FCF yield is about -2.19% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for CZFS competitors is 2.22, providing a benchmark for relative valuation. Citizens Financial Services Inc Corp (CZFS.O) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 12.41%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of CZFS increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of CZFS in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is CZFS currently overvalued or undervalued?

Citizens Financial Services Inc (CZFS) is now in the Undervalued zone, suggesting that its current forward PE ratio of 7.64 is considered Undervalued compared with the five-year average of 9.52. The fair price of Citizens Financial Services Inc (CZFS) is between 60.43 to 89.36 according to relative valuation method. Compared to the current price of 59.61 USD, Citizens Financial Services Inc is Undervalued By 1.35%.

What is Citizens Financial Services Inc (CZFS) fair value?

CZFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Citizens Financial Services Inc (CZFS) is between 60.43 to 89.36 according to relative valuation method.

How does CZFS's valuation metrics compare to the industry average?

The average P/S ratio for CZFS's competitors is 2.22, providing a benchmark for relative valuation. Citizens Financial Services Inc Corp (CZFS) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 12.41%, this premium appears unsustainable.

What is the current P/B ratio for Citizens Financial Services Inc (CZFS) as of Mar 03 2026?

As of Mar 03 2026, Citizens Financial Services Inc (CZFS) has a P/B ratio of 0.82. This indicates that the market values CZFS at 0.82 times its book value.

What is the current FCF Yield for Citizens Financial Services Inc (CZFS) as of Mar 03 2026?

As of Mar 03 2026, Citizens Financial Services Inc (CZFS) has a FCF Yield of 10.69%. This means that for every dollar of Citizens Financial Services Inc's market capitalization, the company generates 10.69 cents in free cash flow.

What is the current Forward P/E ratio for Citizens Financial Services Inc (CZFS) as of Mar 03 2026?

As of Mar 03 2026, Citizens Financial Services Inc (CZFS) has a Forward P/E ratio of 7.64. This means the market is willing to pay $7.64 for every dollar of Citizens Financial Services Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Citizens Financial Services Inc (CZFS) as of Mar 03 2026?

As of Mar 03 2026, Citizens Financial Services Inc (CZFS) has a Forward P/S ratio of 0.00. This means the market is valuing CZFS at $0.00 for every dollar of expected revenue over the next 12 months.

CZFS Valuation