Company Analysis Citizens Financial Services, Inc.
1. Summary
Advantages
- Price (64.7 $) is less than fair price (67.07 $)
- Dividends (3.33%) are higher than the sector average (2.54%).
Disadvantages
- The stock's return over the last year (2.79%) is lower than the sector average (49.08%).
- Current debt level 9.84% has increased over 5 years from 4.7%.
- The company's current efficiency (ROE=9.6%) is lower than the sector average (ROE=17.8%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| Citizens Financial Services, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | -6.7% | -42.8% | -2.3% |
| 90 days | 6.8% | -44.1% | 0.9% |
| 1 year | 2.8% | 49.1% | 16.4% |
CZFS vs Sector: Citizens Financial Services, Inc. has significantly underperformed the "Financials" sector by -46.29% over the past year.
CZFS vs Market: Citizens Financial Services, Inc. has significantly underperformed the market by -13.58% over the past year.
Stable price: CZFS is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CZFS with weekly volatility of 0.0537% over the past year.
3. Summary of the report
5. Fundamental Analysis
5.1. Stock price and price forecast
Below fair price: The current price (64.7 $) is lower than the fair price (67.07 $).
Price not significantly lower than the fair price: The current price (64.7 $) is slightly lower than the fair price by 3.7%.
5.2. P/E
P/E vs Sector: The company's P/E (10.87) is higher than that of the sector as a whole (-220.93).
P/E vs Market: The company's P/E (10.87) is higher than that of the market as a whole (-104.3).
5.2.1 P/E Similar companies
5.3. P/BV
P/BV vs Sector: The company's P/BV (1.01) is lower than that of the sector as a whole (72.57).
P/BV vs Market: The company's P/BV (1.01) is lower than that of the market as a whole (72.17).
5.3.1 P/BV Similar companies
5.5. P/S
P/S vs Sector: The company's P/S indicator (1.79) is lower than that of the sector as a whole (261.36).
P/S vs Market: The company's P/S indicator (1.79) is lower than that of the market as a whole (114).
5.5.1 P/S Similar companies
5.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (15.61) is higher than that of the sector as a whole (-236.48).
EV/Ebitda vs Market: The company's EV/Ebitda (15.61) is higher than that of the market as a whole (-78.04).
6. Profitability
6.1. Profitability and revenue
6.2. Earnings per share - EPS
6.3. Past profitability Net Income
Yield Trend: Negative and has fallen by -0.88% over the last 5 years.
Accelerating profitability: The return for the last year (0%) exceeds the average return for 5 years (-0.88%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (1413.91%).
6.4. ROE
ROE vs Sector: The company's ROE (9.6%) is lower than that of the sector as a whole (17.8%).
ROE vs Market: The company's ROE (9.6%) is higher than that of the market as a whole (-6.22%).
6.6. ROA
ROA vs Sector: The company's ROA (0.93%) is lower than that of the sector as a whole (5.64%).
ROA vs Market: The company's ROA (0.93%) is lower than that of the market as a whole (38.45%).
6.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (13.17%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (9.79%).
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8. Dividends
8.1. Dividend yield vs Market
High yield: The dividend yield of the company 3.33% is higher than the average for the sector '2.54%.
8.2. Stability and increase in payments
Dividend stability: The company's dividend yield 3.33% has been steadily paid over the past 7 years, DSI=0.86.
Weak dividend growth: The company's dividend yield 3.33% has been growing weakly or stagnant over the past 5 years. Growth over only 3 years.
8.3. Payout percentage
Dividend Coverage: Current payments from income (33.44%) are at a comfortable level.
9. Insider trades
9.1. Insider trading
Insider Buying Exceeds insider sales by 100% over the last 3 months.
9.2. Latest transactions
| Transaction date | Insider | Type | Price | Volume | Quantity |
|---|---|---|---|---|---|
| 21.07.2025 | Citizens Bank, National Associ 10% Owner |
Purchase | 47.5 | 1 618 560 | 34 075 |
| 25.07.2024 | Read Craig Jack Controller |
Sale | 43.26 | 170 358 | 3 938 |
Based on sources: porti.ru
