Citizens Financial Services, Inc. Fundamental Analysis (NASDAQ: CZFS)
Citizens Financial Services, Inc. Fundamental Analysis (NASDAQ: CZFS)
Citizens Financial Services, Inc. (NASDAQ: CZFS) shows moderate financial fundamentals with a PE ratio of 9.55, profit margin of 23.34%, and ROE of 12.05%. The company generates $0.2B in annual revenue with weak year-over-year growth of 2.75%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CZFS's fundamental strength across five key dimensions:
Efficiency Score
WeakCZFS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCZFS trades at attractive valuation levels.
Growth Score
ModerateCZFS shows steady but slowing expansion.
Financial Health Score
ModerateCZFS shows balanced financial health with some risks.
Profitability Score
ModerateCZFS maintains healthy but balanced margins.
Key Financial Metrics
Is CZFS Expensive or Cheap?
P/E Ratio
CZFS trades at 9.55 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CZFS's PEG of 0.32 indicates potential undervaluation.
Price to Book
The market values Citizens Financial Services, Inc. at 1.11 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.76 times EBITDA. This is generally considered low.
How Well Does CZFS Make Money?
Net Profit Margin
For every $100 in sales, Citizens Financial Services, Inc. keeps $23.34 as profit after all expenses.
Operating Margin
Core operations generate 28.62 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.05 in profit for every $100 of shareholder equity.
ROA
Citizens Financial Services, Inc. generates $1.29 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Citizens Financial Services, Inc. produces operating cash flow of $37.59M, showing steady but balanced cash generation.
Free Cash Flow
Citizens Financial Services, Inc. generates strong free cash flow of $38.19M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $7.95 in free cash annually.
FCF Yield
CZFS converts 9.78% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.55
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.32
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.11
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.24
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
12.29
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.12
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CZFS Stacks Against Its Sector Peers
| Metric | CZFS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.55 | 21.07 | Better (Cheaper) |
| ROE | 12.05% | 647.00% | Weak |
| Net Margin | 23.34% | -1594.00% (disorted) | Strong |
| Debt/Equity | 1.12 | 0.90 | Weak (High Leverage) |
| Current Ratio | 12.29 | 912.43 | Strong Liquidity |
| ROA | 1.29% | -579.00% (disorted) | Weak |
CZFS outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Citizens Financial Services, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
74.99%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
20.25%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
155.08%
Industry Style: Value, Dividend, Cyclical
High Growth