Citizens Financial Services, Inc. (CZFS)
ValueMarkers Composite Index
49% below intrinsic value ($130)
Citizens Financial Services, Inc. (CZFS) — VMCI valuation read
CZFS prints VMCI 56/100 inside the Financial Services sector, where the median sits at 50. The 6-point above-median delta is the cleanest single-number summary of Citizens Financial Services, Inc.'s composite stance, and in the mid-cap bucket it places the share ahead of the typical peer on the five-pillar mix.
On CZFS, the SEC EDGAR Form 4 stream shows no insider buys or sells in the past 30 days. Quiet tapes happen; they just remove a signal that bull and bear cases sometimes lean on for confirmation.
**Investor frame.** CZFS trades at 24.0x earnings, 33% above the Financial Services median of 18.0x; that is the value line. ROIC of 14.0% sits 4.0pp above the Financial Services median (10.0%); that is the quality line. net debt to EBITDA of 0.5x leaves covenant headroom; that is the risk line for Citizens Financial Services, Inc. on the trailing financials.
CZFS fell 3.6% over the trailing 7 days, with a -20.4% read on a 30-day basis.
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. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include 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 mutual funds, annuities, and health and life insurance products. As of December 31, 2021, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union County, Pennsylvania. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania.
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