Citizens Financial Valuation
| CZFS Stock | USD 60.45 1.45 2.46% |
At this time, the firm appears to be fairly valued. Citizens Financial shows a prevailing Real Value of $62.37 per share. The current price of the firm is $60.45. Our model approximates the value of Citizens Financial from analyzing the firm fundamentals such as Profit Margin of 0.28 %, current valuation of 539.78 M, and Return On Equity of 0.0962 as well as examining its technical indicators and probability of bankruptcy.
Fairly Valued
Today
Please note that Citizens Financial's price fluctuation is very steady at this time. Calculation of the real value of Citizens Financial is based on 3 months time horizon. Increasing Citizens Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Citizens stock is determined by what a typical buyer is willing to pay for full or partial control of Citizens Financial Services. Since Citizens Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Citizens Stock. However, Citizens Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 60.45 | Real 62.37 | Hype 60.66 | Naive 55.22 |
The intrinsic value of Citizens Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Citizens Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Citizens Financial Services helps investors to forecast how Citizens stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Financial more accurately as focusing exclusively on Citizens Financial's fundamentals will not take into account other important factors: Citizens Financial Total Value Analysis
Citizens Financial Services is currently forecasted to have valuation of 539.78 M with market capitalization of 283.63 M, debt of 297.72 M, and cash on hands of 46.88 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Citizens Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
539.78 M | 283.63 M | 297.72 M | 46.88 M |
Citizens Financial Investor Information
About 28.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.92. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Financial recorded earning per share (EPS) of 5.91. The entity last dividend was issued on the 13th of June 2025. The firm had 101:100 split on the 14th of June 2024. Citizens Financial Services is not in a good financial situation at this time. It has a very high probability of going through financial hardship in August.Citizens Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of Citizens implies not a very effective usage of assets in July.Citizens Financial Ownership Allocation
The market capitalization of Citizens Financial is $283.63 Million. Citizens Financial Services shows 6.88 percent of its outstanding shares held by insiders and 27.9 percent owned by other corporate entities. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.Citizens Financial Profitability Analysis
The company reported the previous year's revenue of 168.62 M. Net Income was 27.82 M with profit before overhead, payroll, taxes, and interest of 99.93 M.Citizens Financial Past Distributions to stockholders
About Citizens Financial Valuation
The stock valuation mechanism determines Citizens Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Citizens Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Citizens Financial. We calculate exposure to Citizens Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Financial's related companies.Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania. Citizens Fincl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 309 people.
A single share of Citizens Financial represents a small ownership stake in the entity. As a stockholder of Citizens, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Citizens Financial Dividends Analysis For Valuation
There are various types of dividends Citizens Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Citizens shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Citizens Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Citizens pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Citizens Financial by the value of the dividends paid out.
Citizens Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Citizens Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 4.8 M | |
| Quarterly Earnings Growth Y O Y | 0.082 | |
| Forward Price Earnings | 9.2678 |
Additional Tools for Citizens Stock Analysis
When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.