Citizens Financial Services Stock Current Valuation
| CZFS Stock | USD 70.92 2.48 3.38% |
Valuation analysis of Citizens Financial helps investors to measure Citizens Financial's intrinsic value by examining its available valuation indicators, including the cash flow records, the balance sheet account changes and income statement patterns. Enterprise Value Over EBITDA is likely to gain to 25.07 in 2024. Enterprise Value Multiple is likely to gain to 25.07 in 2024. Fundamental drivers impacting Citizens Financial's valuation include:
Price Book 1.1698 | Enterprise Value 536.3 M | Price Sales 3.5576 | Forward PE 11.7509 | Trailing PE 12.6334 |
Overvalued
Today
Please note that Citizens Financial's price fluctuation is very steady at this time. Calculation of the real value of Citizens Financial is based on 3 months time horizon. Increasing Citizens Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Citizens stock is determined by what a typical buyer is willing to pay for full or partial control of Citizens Financial Services. Since Citizens Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Citizens Stock. However, Citizens Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 70.92 | Real 65.33 | Target 75.0 | Hype 70.94 |
The intrinsic value of Citizens Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Citizens Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Citizens Financial Services helps investors to forecast how Citizens stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Citizens Financial more accurately as focusing exclusively on Citizens Financial's fundamentals will not take into account other important factors: Citizens Financial Services Company Current Valuation Analysis
Citizens Financial's Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Current Citizens Financial Current Valuation | 536.28 M |
Most of Citizens Financial's fundamental indicators, such as Current Valuation, 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 Current Valuation Driver Correlations
Understanding the fundamental principles of building solid financial models for Citizens Financial is extremely important. It helps to project a fair market value of Citizens Stock properly, considering its historical fundamentals such as Current Valuation. Since Citizens Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citizens Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citizens Financial's interrelated accounts and indicators.
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Citizens Current Valuation 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 current valuation 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 current valuation as a starting point in their analysis.
Citizens Financial Current Valuation |
| Timeline |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
| Competition |
In accordance with the recently published financial statements, Citizens Financial Services has a Current Valuation of 536.28 M. This is 98.37% lower than that of the Banks sector and significantly higher than that of the Financials industry. The current valuation for all United States stocks is 96.77% higher than that of the company.
Citizens Current Valuation 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 Current Valuation 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 current valuation 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 | 536.28 M | ||||
| Shares Outstanding | 4.76 M | ||||
| Shares Owned By Insiders | 6.33 % | ||||
| Shares Owned By Institutions | 25.45 % | ||||
| Number Of Shares Shorted | 26.36 K | ||||
| Price To Earning | 9.76 X | ||||
| Price To Book | 1.17 X | ||||
| Price To Sales | 3.56 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 | 1.86 X | ||||
| Earnings Per Share | 5.81 X | ||||
| Target Price | 60.0 | ||||
| Number Of Employees | 393 | ||||
| Beta | 0.49 | ||||
| Market Capitalization | 349.36 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.
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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.