Is Citizens Financial Services, Inc. (CZFS) Overvalued?
We dive into why Citizens Financial Services, Inc. (CZFS) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Rosalio Madrigal
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COMPANY SUMMARY
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as assistance in various oil and gas leasing matters; and provides mutual funds, annuities, and health and life insurance products. Citizens Financial Services, Inc. was founded in 1984 and is headquartered in Mansfield, Pennsylvania.
Commentary & Analysis
Why Citizens Financial Services, Inc.’s (CZFS) Stock Is Up 8.94%
As of Tuesday, August 04, Citizens Financial Services, Inc.’s CZFS share price has surged by 8.94%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
What You Need to Know About Citizens Financial Services, Inc.'s Q3 Earnings
Citizens Financial Services, Inc.'s fiscal Q3 earnings report was released on Thursday, July 30. Let's dive in to see if (CZFS) missed or beat analyst's expectations.Michael Rose
Why Citizens Financial Services, Inc.’s (CZFS) Stock Is Up 6.44%
As of Monday, May 18, Citizens Financial Services, Inc.’s CZFS share price has surged by 6.44%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Citizens Financial Services, Inc.’s (CZFS) Stock Is Up 6.58%
As of Monday, May 11, Citizens Financial Services, Inc.’s CZFS share price has surged by 6.58%, which has investors questioning if this is right time to sell.Michael Rose
Financial Summary
| Share Statistics | CZFS | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $385.6 | $751.0 | 34% |
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| Shares Out (Mil) | 4.8 | 15.4 | 13% |
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| Institutional Ownership | 82.7% | 83.2% | 51% |
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| Float (Mil) | 4.5 | 21.8 | 11% |
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| Beta | 0.38 | 0.43 | 22% |
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| Avg Daily Volume (000s) | 30 | 42 | 23% |
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| Price Change (52-week) |
44.0% | 94.6% | 77% |
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| Growth | CZFS | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.1% | 7.7% | 55% |
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| Net Income (5yr) | 7.8% | 11.1% | 52% |
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| EPS (5yr) | 4.0% | 10.1% | 37 |
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| Dividends (5yr) | 2.8% | 3.6% | 90% |
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| Cash Flow (5yr) | (16.3%) | (17.1%) | 44% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $2.200 | $8.720 | $8.810 | |
| Month Ago EPS | $2.020 | $8.230 | $8.310 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $2.020 | $8.230 | $8.310 | |
| Year/Year Chg | 3.8% | 14.4% | na | |
| Financials | CZFS | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $115 | $196 | 27% |
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| Net Income (TTM) (Mil) | $41 | $55 | 53% |
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| EPS (TTM) | $8.556 | $2.600 | 93% |
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| Operating Cash Flow (TTM) (Mil) | $38 | $36 | 45% |
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| Net Cash Flow (TTM) (Mil) | ($10) | $2 | 30% |
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| Long-Term Debt (Q1) (Mil) | $394 | $101 | 56% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CZFS | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.09 | 1.25 | 25% |
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| P/E | 9.4 | 12.5 | 14% |
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| Dividend Yield | 2.5% | 2.2% | 81% |
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| PEG (5yr hist) | 2.3 | 1.1 | 72% |
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| Ratios | CZFS | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 35.8% | 29.1% | 93% |
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| ROA | 1.3% | 1.1% | 50% |
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| ROE | 12.3% | 11.3% | 64% |
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| Liabilities to Assets | 88.9% | 89.7% | 83% |
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| F-Score | 3 | 4 | 18% |
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Passing Stock Screens
As of 8/20/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
