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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.Analyst Target
Analyst consensus price target: $69.00.What is Citizens Financial Services Inc. Common Stock?
, a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers.
CZFS · Verdict
Solid reward · elevated risk
CZFS stands out on profitability and volatility, but watch the balance sheet signal.
Based on 88% data coverage
CZFS · Verdict
What’s working & what to watch
Strengths 4
- Profitability82/100
21% net margin · 11% ROE
- Volatility80/100
Top decile vs peers
- Cash flow70/100
21% net margin
- Growth69/100
Rev +23.0% CAGR · earnings +8.0%
Watchouts 2
- Balance sheet13/100
Net debt/EBITDA 6.1×
- Valuation31/100
P/E 9.3× · PEG 6.03
Model-based scoring. For information only — not financial advice.
What is Citizens Financial Services Inc. Common Stock?
, 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. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 290.54M, and a P/E ratio of 7.9x.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (61)The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.
For informational purposes only. Not financial advice.