Citizens Financial Services Inc
Research Citizens Financial Services Inc (CZFS) on Bullrun: valuation model: 7.0% undervalued, market cap USD 388.21M, P/E 9.4, dividend yield 2.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCZFS
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal7.0% undervalued
- Market capUSD 388.21M
- P/E9.4
- Dividend yield2.5%
- Financial periodQ2 2026
- RevenueUSD 29.71M
- Net incomeUSD 10.19M
- Free cash flow-USD 376.00K
Valuation Snapshot
Bullrun's latest valuation model marks Citizens Financial Services Inc as 7.0% undervalued; latest market cap is USD 388.21M; P/E is 9.4; dividend yield is 2.5%.
Peer valuation comparison
Latest P/E is 9.44x versus a Financial Services sector median of 13.84x (31.8% below).
Latest dividend yield is 2.48% versus a Financial Services sector median of 3.86% (35.7% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 173.24M | USD 36.57M | USD 35.24M | n/a | 7.62 | USD 34.29M | USD 293.95M | USD 338.05M |
| FY2024 | USD 168.62M | USD 27.82M | USD 31.87M | n/a | 5.79 | USD 42.20M | USD 280.38M | USD 299.73M |
| FY2023 | USD 138.72M | USD 17.81M | USD 23.92M | n/a | 3.98 | USD 52.82M | USD 283.99M | USD 279.67M |
| FY2022 | USD 93.10M | USD 29.06M | USD 31.61M | n/a | 7.17 | USD 26.21M | USD 258.92M | USD 200.15M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 388.21M | 9.4 | 2.5% | 2.01 |
| 2025 | 2025-12-31 | USD 274.10M | 7.5 | 3.5% | 1.99 |
| 2024 | 2024-12-31 | USD 304.34M | 10.8 | 3.1% | 1.96 |
| 2023 | 2023-12-29 | USD 307.63M | 15.1 | 3.0% | 1.94 |
| 2022 | 2022-12-30 | USD 307.72M | 10.8 | 2.5% | 1.87 |
| 2021 | 2021-12-31 | USD 241.80M | 8.2 | 3.1% | 1.82 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 2.01 USD, yield 2.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.98 USD |
| FY2024 | 1.93 USD |
| FY2023 | 1.9 USD |
| FY2022 | 1.86 USD |
About Citizens Financial Services Inc
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.
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Frequently asked questions
Is Citizens Financial Services Inc overvalued or undervalued?
Bullrun's valuation model currently marks Citizens Financial Services Inc as 7.0% undervalued.
What is Citizens Financial Services Inc's market cap?
Citizens Financial Services Inc's market capitalization is USD 388.21M.
What is Citizens Financial Services Inc's P/E ratio?
Citizens Financial Services Inc's price-to-earnings (P/E) ratio is 9.4.
Does Citizens Financial Services Inc pay a dividend?
Citizens Financial Services Inc has a dividend yield of 2.5%.
What does Citizens Financial Services Inc do?
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.