Skip to main content
رجوع
Watch Compare

CITIZENS FINANCIAL SERVICES INC

جودة البيانات: 100%
CZFS
NASDAQ Financial Services Depository Institutions
KWD 68.08
▲ KWD 1.30 (1.95%)
القيمة السوقية: 319.20 M
السعر
KWD 66.40
القيمة السوقية
319.20 M
نطاق اليوم
—
نطاق 52 أسبوعًا
—
حجم التداول
—
فتح —
متوسط 50 يوم / 200 يوم
—
متوسط 50 يوم / 200 يوم
—

Quick Summary

النقاط الرئيسية

Revenue grew 6.31% annually over 5 years — modest growth
Earnings grew 31.47% over the past year
ROE of 11.40% — decent returns on equity
Net margin of 370.12% shows strong profitability
Generating 36.53 M in free cash flow
P/E of 8.73 — trading at a low valuation

النمو

Revenue Growth (5Y)
6.31%
أعلى من متوسط القطاع (5.76%)
Revenue (1Y)2.82%
Earnings (1Y)31.47%
FCF Growth (3Y)17.33%

الجودة

Return on Equity
11.40%
أعلى من متوسط القطاع (9.21%)
ROICN/A
Net Margin370.12%
Op. MarginN/A

الأمان

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

التقييم

PE (TTM|NTM|2027)
8.73 | 8.42 | 8.37
أقل من متوسط القطاع (11.11)
P/B Ratio0.97
EV/EBITDAN/A
Dividend Yield3.00%

تاريخ السعر

الاتجاهات المالية

مقارنة الأقران

مقابل وسيط قطاع Financial Services (2698 نظير)
المقياس السهم وسيط القطاع
P/E 8.7 11.1
P/B 1.0 1.2
ROE % 11.4 9.2
Net Margin % 370.1 9.4
Rev Growth 5Y % 6.3 5.8
D/E — 0.5

السعر المستهدف للمحللين

محلل 1
Buy
الحالي
KWD 68.08
+1.4%
المستهدف
KWD 69.00
KWD 69.00
KWD 69.00
KWD 69.00
التوقعات
مكرر الربحية المستقبلي 8.42
ربحية السهم المستقبلية KWD 7.93
نمو ربحية السهم (تقدير) +1.5%
الإيرادات المقدّرة 0.0

تقديرات الأرباح

الفترة تقدير ربحية السهم تقدير الإيرادات المحللون
FY2027 KWD 7.93
KWD 7.93 – KWD 7.93
 0.0 1
FY2026 KWD 7.81
KWD 7.81 – KWD 7.81
 0.0 1

مفاجآت الأرباح

آخر 4 أرباع
الربع EPS المقدر EPS الفعلي المفاجأة
Q42025 KWD 2.07 KWD 2.18 +5.3%
Q32025 KWD 1.76 KWD 2.09 +18.8%
Q22025 KWD 1.60 KWD 1.76 +10.0%
Q12025 KWD 1.48 KWD 1.58 +7.4%

ETFs Holding This Stock

SQLV logo SQLV Royce Quant Small-Cap Quality Value ETF
0.22% weight
QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.15% weight
GMSMX GMSMX
0.04% weight
GSMRX GSMRX
0.04% weight
GISMX GISMX
0.04% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.03% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.03% weight
AVSCX AVSCX
0.02% weight
BOSVX BOSVX
0.01% weight
IRSSX IRSSX
0.01% weight

Dividend History

20 yr streak

Yield

3.00%

Payout Ratio

26.12%

Growth (3Y)

2.05%

Growth (5Y)

1.17%

Ex-Date Payment Date Amount Yield
Mar 13, 2026 — KWD 0.50 N/A
Dec 12, 2025 — KWD 0.50 N/A
Sep 12, 2025 — KWD 0.50 N/A
Jun 13, 2025 — KWD 0.49 N/A
Mar 14, 2025 — KWD 0.50 N/A
Dec 13, 2024 — KWD 0.49 N/A
Sep 13, 2024 — KWD 0.49 N/A
Jun 14, 2024 — KWD 0.49 N/A
Mar 14, 2024 — KWD 0.49 N/A
Dec 14, 2023 — KWD 0.49 N/A
Sep 14, 2023 — KWD 0.49 N/A
Jun 08, 2023 — KWD 0.48 N/A
Mar 09, 2023 — KWD 0.48 N/A
Dec 15, 2022 — KWD 0.47 N/A
Sep 15, 2022 — KWD 0.47 N/A
Jun 09, 2022 — KWD 0.47 N/A
Mar 10, 2022 — KWD 0.46 N/A
Dec 15, 2021 — KWD 0.46 N/A
Sep 15, 2021 — KWD 0.46 N/A
Jun 10, 2021 — KWD 0.45 N/A

All Fundamental Metrics
Growth
Revenue Growth (1Y) 2.82% Revenue Growth (3Y) 4.94%
Earnings Growth (1Y) 31.47% Earnings Growth (3Y) 43.29%
Revenue Growth (5Y) 6.31% Earnings Growth (5Y) 5.86%
Profitability
Revenue (TTM) 9.88 M Net Income (TTM) 36.57 M
ROE 11.40% ROA 1.21%
Gross Margin N/A Operating Margin N/A
Net Margin 370.12% Free Cash Flow (TTM) 36.53 M
ROIC N/A FCF Growth (3Y) 17.33%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 239.55 M
Dividends
Dividend Yield 3.00% Payout Ratio 26.12%
Dividend Growth (3Y) 2.05% Dividend Growth (5Y) 1.17%
Consecutive Div Years 20 yrs
Valuation
P/E Ratio 8.73 Forward P/E 8.42
P/B Ratio 0.97 P/S Ratio 32.30
PEG Ratio 1.49 Forward PEG 5.47
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield 11.88%
FCF Yield 11.45%
Market Cap 319.20 M Enterprise Value 288.12 M
Per Share
EPS (Diluted TTM) 7.62 Revenue / Share 2.06
FCF / Share 7.60 OCF / Share 7.60
EPS CAGR (1Y) 30.26% EPS CAGR (5Y) 0.80%
EPS CAGR (10Y) 8.10%
Efficiency
CapEx / Revenue N/A FCF Conversion 99.90%
SBC-Adj. FCF N/A Growth Momentum -3.49

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 9.88 M 9.61 M 8.97 M 8.59 M 7.74 M
Net Income 36.57 M 27.82 M 17.81 M 29.06 M 29.12 M
EPS (Diluted) 7.62 5.85 4.06 7.32 7.38
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 98.00 M 86.46 M 46.86 M 11.22 M 7.11 M
Income Tax 8.67 M 5.87 M 3.70 M 6.44 M 6.20 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 3.06 B 3.03 B 2.98 B 2.33 B 2.14 B
Total Liabilities 2.73 B 2.73 B 2.70 B 2.13 B 1.93 B
Shareholders' Equity 338.05 M 299.73 M 279.67 M 200.15 M 212.49 M
Total Debt — — — — —
Cash & Equivalents 34.29 M 42.20 M 52.82 M 26.21 M 172.83 M
Current Assets — — — — —
Current Liabilities — — — — —