CZFS · Citizens Financial Services Inc · Metrics
$85.48
-0.34 (-0.40%)
At close · Nov 12
Return incl. dividend (before tax)
Market Cap
$411.22M
Shares
4.81M
Volume · Nov 12
25.35K
Avg daily vol (3M)
37.01K
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CZFS metrics
91 of 125 screener metrics currently available.
Market overview
2 metricsShare price
$85.48
Market cap
$411.22M
Price action
23 metricsPrice change (1W)
-1.7%
Price change (30D)
+8.9%
Price change (3M)
+3.5%
Price change (6M)
+36.3%
Price change (YTD)
+50.5%
Price change (1Y)
+48.9%
Trailing year
Price change (5Y)
—
52-week high
$87.30
52-week low
$53.79
Change from 52-week high
-1.7%
Change from 52-week low
+59.5%
Annualized volatility
32.4%
Annualized volatility (3M)
21.9%
Implied volatility (30D)
—
IV rank (1Y)
—
IV percentile (1Y)
—
Beta
0.2
RSI (14D)
59.0
Price vs SMA 50
+4.7%
Price vs SMA 200
+19.9%
Avg volume (3M)
37,361
Relative volume
0.5
Average dollar volume
$3.06M
Company
3 metricsSector
Financial Services
Industry
Banks - Regional
Shares outstanding
4.81M
Valuation
12 metricsP / E (TTM)
9.6
Trailing earnings · reciprocal yield 10.4%
PEG ratio
0.5
EV / revenue
7.4×
reciprocal yield 13.4%
EV / EBITDA
—
EV / EBIT
—
P / sales
3.4×
reciprocal yield 29.2%
P / book
1.2
reciprocal yield 85.1%
FCF yield
9.5%
TTM · current market cap
Buyback yield
0.1%
P / FCF
10.5
reciprocal yield 9.5%
P / operating cash flow
10.3
reciprocal yield 9.7%
Earnings yield
10.4%
Historical valuation
8 metricsP / E historical average (3Y)
9.2×
reciprocal yield 10.8%
P / E historical average (5Y)
9.8×
reciprocal yield 10.2%
EV / revenue historical average (3Y)
5.3×
reciprocal yield 18.7%
EV / revenue historical average (5Y)
5.3×
reciprocal yield 18.9%
EV / EBIT historical average (3Y)
—
EV / EBIT historical average (5Y)
—
EV / EBITDA historical average (3Y)
—
EV / EBITDA historical average (5Y)
—
Dividends & buybacks
7 metricsDividend yield
2.4%
Trailing 12 months
Payout ratio
22.6%
Shareholder yield
—
Dividend / share (TTM)
$2.02
Dividend growth YoY
+2.3%
Dividend growth streak
4
Last ex-dividend
2026-09-11
Earnings calendar
2 metricsNext earnings
—
Last earnings
—
Profitability
9 metricsGross margin
—
Operating margin
—
Trailing 12 months
Net margin
35.6%
Gross profit (TTM)
—
Operating profit (TTM)
—
Net income (TTM)
$42.97M
Trailing 12 months
Diluted EPS (TTM)
$8.94
FCF margin
32.5%
Effective tax rate
18.3%
Growth
11 metricsRevenue growth YoY
+8.9%
Year over year
Net income growth YoY
+19.2%
Revenue (TTM)
$120.69M
Trailing 12 months
EPS growth YoY
+18.7%
Shares change YoY
+0.1%
Year over year · more shares
Revenue CAGR (3Y)
+11.1%
Revenue CAGR (5Y)
+8.8%
EPS CAGR (3Y)
+2.0%
EPS CAGR (5Y)
+3.8%
FCF CAGR (3Y)
+3.7%
FCF CAGR (5Y)
+26.5%
Quality
14 metricsReturn on equity
12.2%
Return on assets
1.3%
Debt / equity
1.5
Current ratio
—
EBITDA (TTM)
—
Free cash flow (TTM)
$39.20M
Quick ratio
—
Interest coverage
—
Net debt / EBITDA
—
Return on invested capital
—
Trailing 12 months
Net cash
−$485.13M
Latest balance sheet
Cash & equivalents
$27.36M
Total assets
$3.41B
Total debt
$512.49M
Cash flow & spend
7 metricsOperating cash flow (TTM)
$39.92M
Capital expenditures (TTM)
$717,000
R&D (TTM)
—
SG&A (TTM)
—
Stock compensation (TTM)
—
R&D / revenue
—
Stock compensation / revenue
—
Ownership (13F)
9 metrics13F filers
87
13F filer change QoQ
0
Institutional ownership
30.7%
Conviction holders (share of 13F filers)
0.0%
Crowding (high-turnover and private-fund holders)
3.6%
Private-fund adviser ownership
3.6%
Active holders' share change QoQ
+11.4%
Holder tenure
9.4
Price vs estimated holder cost
+20.7%
Ownership (registered funds)
1 metricsIndex-fund ownership
12.4%
Short interest
3 metricsShort interest
1.1%
Latest settlement · 1.3 days to cover
Days to cover
1.3d
Short-squeeze score
41 / 100
Insider activity
2 metricsNet insider buying (90D)
$1,832
Insider-sentiment score
70 / 100
Risk flags
1 metricsGoing concern
—