Citizens Financial Services Stock Fundamentals
| CZFS Stock | USD 70.61 0.04 0.06% |
Citizens Financial Services fundamentals help investors to digest information that contributes to Citizens Financial's financial success or failures. It also enables traders to predict the movement of Citizens Stock. The fundamental analysis module provides a way to measure Citizens Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Citizens Financial stock.
At this time, Citizens Financial's Total Operating Expenses is comparatively stable compared to the past year. Net Income Applicable To Common Shares is likely to gain to about 35.1 M in 2024, whereas Income Before Tax is likely to drop slightly above 14.3 M in 2024. Citizens | Select Account or Indicator |
Citizens Financial Services Company Operating Margin Analysis
Citizens Financial's Operating Margin shows how much operating income a company makes on each dollar of sales. It is one of the profitability indicators which helps analysts to understand whether the firm is successful or not making money from everyday operations.
Current Citizens Financial Operating Margin | 0.40 % |
Most of Citizens Financial's fundamental indicators, such as Operating Margin, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Citizens Financial Services is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Citizens Operating Margin Historical Pattern
Today, most investors in Citizens Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's operating margin growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Citizens Financial operating margin as a starting point in their analysis.
Citizens Financial Operating Margin |
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A good Operating Margin is required for a company to be able to pay for its fixed costs or payout its debt, which implies that the higher the margin, the better. This ratio is most effective in evaluating the earning potential of a company over time when comparing it against a firm's competitors.
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Citizens Pretax Profit Margin
Pretax Profit Margin |
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Based on the recorded statements, Citizens Financial Services has an Operating Margin of 0.3966%. This is 97.85% lower than that of the Banks sector and significantly higher than that of the Financials industry. The operating margin for all United States stocks is 107.2% lower than that of the firm.
Citizens Financial Fundamental Drivers Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Citizens Financial's current stock value. Our valuation model uses many indicators to compare Citizens Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Citizens Financial competition to find correlations between indicators driving Citizens Financial's intrinsic value. More Info.Citizens Financial Services is rated fifth in return on equity category among its peers. It also is rated fifth in return on asset category among its peers reporting about 0.09 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Citizens Financial Services is roughly 10.60 . At this time, Citizens Financial's Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Citizens Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Citizens Operating Margin Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Citizens Financial's direct or indirect competition against its Operating Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Citizens Financial could also be used in its relative valuation, which is a method of valuing Citizens Financial by comparing valuation metrics of similar companies.Citizens Financial is currently under evaluation in operating margin category among its peers.
Citizens Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Citizens Financial from analyzing Citizens Financial's financial statements. These drivers represent accounts that assess Citizens Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Citizens Financial's important valuation drivers and their relationship over time.
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Market Cap | 214.4M | 211.0M | 237.1M | 301.5M | 280.8M | 294.9M | |
| Enterprise Value | 266.7M | 217.4M | 127.2M | 526.6M | 550.1M | 577.6M |
Citizens Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citizens Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citizens Financial's managers, analysts, and investors.Environmental | Governance | Social |
Citizens Fundamentals
| Return On Equity | 0.0975 | ||||
| Return On Asset | 0.0092 | ||||
| Profit Margin | 0.28 % | ||||
| Operating Margin | 0.40 % | ||||
| Current Valuation | 523 M | ||||
| Shares Outstanding | 4.76 M | ||||
| Shares Owned By Insiders | 6.32 % | ||||
| Shares Owned By Institutions | 25.45 % | ||||
| Number Of Shares Shorted | 28.95 K | ||||
| Price To Earning | 9.76 X | ||||
| Price To Book | 1.13 X | ||||
| Price To Sales | 3.42 X | ||||
| Revenue | 86.34 M | ||||
| Gross Profit | 80.08 M | ||||
| EBITDA | 23.04 M | ||||
| Net Income | 17.81 M | ||||
| Cash And Equivalents | 46.88 M | ||||
| Cash Per Share | 11.80 X | ||||
| Total Debt | 322.04 M | ||||
| Debt To Equity | 9.85 % | ||||
| Book Value Per Share | 62.75 X | ||||
| Cash Flow From Operations | 26.54 M | ||||
| Short Ratio | 1.50 X | ||||
| Earnings Per Share | 5.81 X | ||||
| Target Price | 60.0 | ||||
| Number Of Employees | 393 | ||||
| Beta | 0.49 | ||||
| Market Capitalization | 336.28 M | ||||
| Total Asset | 2.98 B | ||||
| Retained Earnings | 172.97 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.04 % | ||||
| Net Asset | 2.98 B | ||||
| Last Dividend Paid | 1.95 |
About Citizens Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.| Last Reported | Projected for Next Year | ||
| Current Deferred Revenue | -4.3 M | -4.5 M | |
| Total Revenue | 86.3 M | 90.7 M | |
| Sales General And Administrative To Revenue | 0.42 | 0.72 | |
| Capex To Revenue | 0.03 | 0.06 | |
| Revenue Per Share | 19.70 | 20.69 | |
| Ebit Per Revenue | 0.49 | 0.47 |
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Additional Tools for Citizens Stock Analysis
When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.