# Citizens Financial Services Inc. (CZFS) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $82.92, market value $399 million.

## Valuation
- **P/E (trailing): 9.7×** (5-yr avg 9.8×, 3-yr avg 10.8×). Citizens Financial Services Inc. trades at 9.7× trailing earnings, close to its own five-year average of 9.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 40.5×**. Each dollar of revenue is priced at 40.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.3%** (5-yr avg 12.6%). Free cash flow equals 9.3% of the market value, below its five-year average of 12.6%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 10.3%**. The inverse of the P/E: 10.3% of the price is earned each year.

## Profitability
- **Net margin: 370.1%**. 370.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 10.8%**. 10.8% on shareholders' equity is solid.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 2.8%** (3-yr 4.8%/yr, 5-yr 8.2%/yr). Revenue grew 2.8% over the last year, against 8.2% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 31.6%** (3-yr 2.0%/yr, 5-yr 3.4%/yr). Earnings per share rose 31.6%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 3.7%/yr**. Free cash flow has compounded at 3.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.46%** ($2.01 per share, trailing). Citizens Financial Services Inc. yields 2.46%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%** (26% of free cash flow). 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 1.2%/yr** (1-yr 1.8%). The dividend has grown 1.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 38.5%** (YTD 47.8%, 3-mo 27.8%). The shares are up 38.5% over twelve months including dividends.
- **From 52-week high: -2.0%** (58.4% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 0.31** (volatility 35%). Beta of 0.31 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CZFS · Page: https://foliofundamentals.com/stocks/czfs

Not investment advice.