Citizens Financial Services Stock Z Score

CZFS Stock

USD 70.92 2.48 3.38%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Citizens Financial Piotroski F Score and Citizens Financial Valuation analysis.

At this time, Citizens Financial's Capital Expenditures is comparatively stable compared to the past year. Change In Working Capital is likely to gain to about 1.4 M in 2024, whereas Net Invested Capital is likely to drop slightly above 368.1 M in 2024. 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 Financial Services Company Z Score Analysis

Citizens Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Citizens Z Score 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 Z Score. 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.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Common Stock	Accounts Payable	Long Term Debt	Good Will	Short Term Investments	Treasury Stock	Intangible Assets	Property Plant Equipment	Short Term Debt	Net Tangible Assets	Capital Surpluse	Long Term Investments	Short Long Term Debt	Current Deferred Revenue	Net Invested Capital	Capital Stock	Long Term Debt Total
Total Assets		0.99	0.68	0.98	0.93	1.0	0.45	0.73	0.58	0.91	0.92	0.74	-0.81	-0.41	0.69	0.83	0.85	0.85	0.25	-0.2	0.83	0.77	0.91	-0.72
Total Stockholder Equity	0.99		0.62	0.98	0.91	0.99	0.45	0.75	0.55	0.87	0.91	0.75	-0.83	-0.44	0.7	0.77	0.85	0.85	0.3	-0.19	0.85	0.73	0.89	-0.71
Net Debt	0.68	0.62		0.62	0.82	0.68	-0.13	0.33	0.72	0.89	0.76	0.43	-0.38	-0.07	0.36	0.93	0.36	0.41	-0.43	-0.26	0.39	0.76	0.67	-0.73
Retained Earnings	0.98	0.98	0.62		0.85	0.98	0.54	0.8	0.42	0.85	0.82	0.81	-0.88	-0.48	0.7	0.8	0.86	0.85	0.27	-0.16	0.83	0.72	0.84	-0.61
Net Receivables	0.93	0.91	0.82	0.85		0.93	0.2	0.5	0.83	0.95	0.98	0.59	-0.57	-0.18	0.53	0.88	0.7	0.69	0.1	-0.13	0.75	0.84	0.95	-0.88
Total Liab	1.0	0.99	0.68	0.98	0.93		0.44	0.73	0.58	0.92	0.92	0.73	-0.81	-0.4	0.69	0.83	0.85	0.85	0.24	-0.2	0.83	0.78	0.91	-0.72
Total Current Assets	0.45	0.45	-0.13	0.54	0.2	0.44		0.48	-0.18	0.21	0.12	0.39	-0.61	-0.42	0.43	0.17	0.73	0.67	0.66	0.26	0.7	0.24	0.34	0.12
Common Stock	0.73	0.75	0.33	0.8	0.5	0.73	0.48		0.01	0.53	0.51	0.71	-0.88	-0.59	0.79	0.49	0.78	0.82	0.21	-0.17	0.59	0.57	0.57	-0.15
Accounts Payable	0.58	0.55	0.72	0.42	0.83	0.58	-0.18	0.01		0.74	0.83	0.13	-0.06	0.21	0.16	0.66	0.33	0.3	-0.11	-0.06	0.46	0.68	0.76	-0.89
Long Term Debt	0.91	0.87	0.89	0.85	0.95	0.92	0.21	0.53	0.74		0.92	0.58	-0.64	-0.28	0.61	0.95	0.7	0.73	-0.07	-0.28	0.68	0.85	0.88	-0.79
Good Will	0.92	0.91	0.76	0.82	0.98	0.92	0.12	0.51	0.83	0.92		0.58	-0.58	-0.22	0.57	0.8	0.68	0.67	0.09	-0.24	0.72	0.77	0.92	-0.9
Short Term Investments	0.74	0.75	0.43	0.81	0.59	0.73	0.39	0.71	0.13	0.58	0.58		-0.74	-0.48	0.55	0.58	0.6	0.6	0.23	-0.11	0.52	0.52	0.58	-0.41
Treasury Stock	-0.81	-0.83	-0.38	-0.88	-0.57	-0.81	-0.61	-0.88	-0.06	-0.64	-0.58	-0.74		0.73	-0.84	-0.54	-0.82	-0.87	-0.24	0.36	-0.71	-0.47	-0.56	0.27
Intangible Assets	-0.41	-0.44	-0.07	-0.48	-0.18	-0.4	-0.42	-0.59	0.21	-0.28	-0.22	-0.48	0.73		-0.75	-0.13	-0.52	-0.6	-0.14	0.34	-0.37	-0.15	-0.18	-0.04
Property Plant Equipment	0.69	0.7	0.36	0.7	0.53	0.69	0.43	0.79	0.16	0.61	0.57	0.55	-0.84	-0.75		0.45	0.79	0.87	0.11	-0.34	0.6	0.56	0.56	-0.21
Short Term Debt	0.83	0.77	0.93	0.8	0.88	0.83	0.17	0.49	0.66	0.95	0.8	0.58	-0.54	-0.13	0.45		0.58	0.6	-0.16	-0.18	0.55	0.85	0.8	-0.7
Net Tangible Assets	0.85	0.85	0.36	0.86	0.7	0.85	0.73	0.78	0.33	0.7	0.68	0.6	-0.82	-0.52	0.79	0.58		0.98	0.45	0.01	0.89	0.74	0.82	-0.34
Capital Surpluse	0.85	0.85	0.41	0.85	0.69	0.85	0.67	0.82	0.3	0.73	0.67	0.6	-0.87	-0.6	0.87	0.6	0.98		0.36	-0.15	0.82	0.72	0.78	-0.31
Long Term Investments	0.25	0.3	-0.43	0.27	0.1	0.24	0.66	0.21	-0.11	-0.07	0.09	0.23	-0.24	-0.14	0.11	-0.16	0.45	0.36		0.34	0.46	-0.01	0.28	0.01
Short Long Term Debt	-0.2	-0.19	-0.26	-0.16	-0.13	-0.2	0.26	-0.17	-0.06	-0.28	-0.24	-0.11	0.36	0.34	-0.34	-0.18	0.01	-0.15	0.34		0.13	0.08	0.02	0.21
Current Deferred Revenue	0.83	0.85	0.39	0.83	0.75	0.83	0.7	0.59	0.46	0.68	0.72	0.52	-0.71	-0.37	0.6	0.55	0.89	0.82	0.46	0.13		0.62	0.8	-0.51
Net Invested Capital	0.77	0.73	0.76	0.72	0.84	0.78	0.24	0.57	0.68	0.85	0.77	0.52	-0.47	-0.15	0.56	0.85	0.74	0.72	-0.01	0.08	0.62		0.9	-0.55
Capital Stock	0.91	0.89	0.67	0.84	0.95	0.91	0.34	0.57	0.76	0.88	0.92	0.58	-0.56	-0.18	0.56	0.8	0.82	0.78	0.28	0.02	0.8	0.9		-0.74
Long Term Debt Total	-0.72	-0.71	-0.73	-0.61	-0.88	-0.72	0.12	-0.15	-0.89	-0.79	-0.9	-0.41	0.27	-0.04	-0.21	-0.7	-0.34	-0.31	0.01	0.21	-0.51	-0.55	-0.74

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Citizens Financial

In accordance with the company's disclosures, Citizens Financial Services has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Citizens Z Score 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 Z Score 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 z score 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 Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Citizens Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Citizens Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Citizens Financial's value.

		Shares
Fourthstone Llc	2024-06-30	13.5 K
Wayne Hummer Asset Mgmt Company	2024-09-30	11 K
Weatherly Asset Management Lp	2024-06-30	9.8 K
American Century Companies Inc	2024-09-30	9 K
Citadel Advisors Llc	2024-09-30	8.9 K
Nuveen Asset Management, Llc	2024-06-30	8.1 K
Minerva Advisors Llc	2024-09-30	7.8 K
Wsfs Capital Management, Llc	2024-09-30	6.5 K
Commonwealth Equity Services Inc	2024-06-30	6 K
Blackrock Inc	2024-06-30	305.6 K
Vanguard Group Inc	2024-09-30	238.6 K

Citizens Fundamentals

	Return On Equity	0.0975
	Return On Asset	0.0092
	Profit Margin	0.28 %
	Operating Margin	0.40 %
	Current Valuation	524.48 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	1.13 X
	Price To Sales	3.44 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	337.56 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.

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Citizens Financial Services Stock Z Score

Citizens Financial Services Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Citizens Z Score Driver Correlations

Citizens Z Score Peer Comparison

Citizens Financial Current Valuation Drivers

Citizens Financial ESG Sustainability

Citizens Financial Institutional Holders

Citizens Fundamentals

About Citizens Financial Fundamental Analysis

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Citizens Stock Analysis

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