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CITIZENS FINANCIAL SERVICES INC

Qualité des données : 100%
CZFS
Nasdaq Financial Services Depository Institutions
66,78 €
▼ 2,21 € (-3,20%)
Cap. Boursière: 319,20 M
Prix
66,40 €
Cap. Boursière
319,20 M
Fourchette du Jour
—
Fourchette 52 Semaines
—
Volume
—
Ouverture —
Moyenne 50J / 200J
—
Moyenne 50J / 200J
—

Quick Summary

Points Clés

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

Croissance

Revenue Growth (5Y)
6,31%
Au-dessus de la moyenne du secteur (5,83%)
Revenue (1Y)2,82%
Earnings (1Y)31,47%
FCF Growth (3Y)17,33%

Qualité

Return on Equity
11,40%
Au-dessus de la moyenne du secteur (9,24%)
ROICN/A
Net Margin370,12%
Op. MarginN/A

Sécurité

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

Valorisation

PE (TTM|2027)
8,73 | 8,37
En dessous de la moyenne du secteur (11,14)
P/B Ratio0,97
EV/EBITDAN/A
Dividend YieldN/A

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (2607 pairs)
Métrique Action Médiane du Secteur
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

Objectif de Cours des Analystes

1 analyste
Buy
Actuel
66,78 €
+3.3%
Objectif
69,00 €
69,00 €
69,00 €
69,00 €
Prévisions
P/E Prévisionnel 8,42
BPA Prévisionnel 7,93 €
Croissance BPA (est.) +1,5%
CA Est. 0,0

Estimations de Bénéfices

Période BPA Est. CA Est. Analystes
FY2027 7,93 €
7,93 € – 7,93 €
 0,0 1
FY2026 7,81 €
7,81 € – 7,81 €
 0,0 1

Surprises de Résultats

Derniers 4 trimestres
Trimestre BPA Est. BPA Réel Surprise
Q42025 2,07 € 2,18 € +5,3%
Q32025 1,76 € 2,09 € +18,8%
Q22025 1,60 € 1,76 € +10,0%
Q12025 1,48 € 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

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 N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 8,73 Forward P/E N/A
P/B Ratio 0,97 P/S Ratio 32,30
PEG Ratio 1,49 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
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 — — — — —