Citizens Financial Services Stock Market Value
| CZFS Stock | USD 70.61 0.04 0.06% |
| Symbol | Citizens |
Citizens Financial Price To Book Ratio
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Citizens Financial. If investors know Citizens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Citizens Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0) | Dividend Share 1.946 | Earnings Share 5.81 | Revenue Per Share 20.688 | Quarterly Revenue Growth (0.01) |
The market value of Citizens Financial is measured differently than its book value, which is the value of Citizens that is recorded on the company's balance sheet. Investors also form their own opinion of Citizens Financial's value that differs from its market value or its book value, called intrinsic value, which is Citizens Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Citizens Financial's market value can be influenced by many factors that don't directly affect Citizens Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Citizens Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Citizens Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Citizens Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Citizens Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Citizens Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Citizens Financial.
| 10/31/2024 |
| 11/30/2024 |
If you would invest 0.00 in Citizens Financial on October 31, 2024 and sell it all today you would earn a total of 0.00 from holding Citizens Financial Services or generate 0.0% return on investment in Citizens Financial over 30 days. Citizens Financial is related to or competes with Home Federal, Community West, Magyar Bancorp, Finward Bancorp, First Financial, Oak Valley, and Affinity Bancshares. Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides v... More
Citizens Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Citizens Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Citizens Financial Services upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 3.63 | |||
| Information Ratio | 0.0994 | |||
| Maximum Drawdown | 22.82 | |||
| Value At Risk | (5.53) | |||
| Potential Upside | 6.57 |
Citizens Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Citizens Financial's standard deviation. In reality, there are many statistical measures that can use Citizens Financial historical prices to predict the future Citizens Financial's volatility.| Risk Adjusted Performance | 0.1098 | |||
| Jensen Alpha | 0.1399 | |||
| Total Risk Alpha | (0.15) | |||
| Sortino Ratio | 0.1123 | |||
| Treynor Ratio | 0.1728 |
Citizens Financial Backtested Returns
Citizens Financial appears to be very steady, given 3 months investment horizon. Citizens Financial secures Sharpe Ratio (or Efficiency) of 0.16, which signifies that the company had a 0.16% return per unit of risk over the last 3 months. By analyzing Citizens Financial's technical indicators, you can evaluate if the expected return of 0.6% is justified by implied risk. Please makes use of Citizens Financial's Mean Deviation of 3.02, downside deviation of 3.63, and Risk Adjusted Performance of 0.1098 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Citizens Financial holds a performance score of 12. The firm shows a Beta (market volatility) of 3.1, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Citizens Financial will likely underperform. Please check Citizens Financial's skewness, and the relationship between the value at risk and day median price , to make a quick decision on whether Citizens Financial's price patterns will revert.
Auto-correlation | 0.51 |
Modest predictability
Citizens Financial Services has modest predictability. Overlapping area represents the amount of predictability between Citizens Financial time series from 31st of October 2024 to 15th of November 2024 and 15th of November 2024 to 30th of November 2024. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Citizens Financial price movement. The serial correlation of 0.51 indicates that about 51.0% of current Citizens Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.51 | |
| Spearman Rank Test | 0.6 | |
| Residual Average | 0.0 | |
| Price Variance | 1.68 |
Citizens Financial lagged returns against current returns
Autocorrelation, which is Citizens Financial stock's lagged correlation, explains the relationship between observations of its time series of returns over different periods of time. The observations are said to be independent if autocorrelation is zero. Autocorrelation is calculated as a function of mean and variance and can have practical application in predicting Citizens Financial's stock expected returns. We can calculate the autocorrelation of Citizens Financial returns to help us make a trade decision. For example, suppose you find that Citizens Financial has exhibited high autocorrelation historically, and you observe that the stock is moving up for the past few days. In that case, you can expect the price movement to match the lagging time series.
Current and Lagged Values |
| Timeline |
Citizens Financial regressed lagged prices vs. current prices
Serial correlation can be approximated by using the Durbin-Watson (DW) test. The correlation can be either positive or negative. If Citizens Financial stock is displaying a positive serial correlation, investors will expect a positive pattern to continue. However, if Citizens Financial stock is observed to have a negative serial correlation, investors will generally project negative sentiment on having a locked-in long position in Citizens Financial stock over time.
Current vs Lagged Prices |
| Timeline |
Citizens Financial Lagged Returns
When evaluating Citizens Financial's market value, investors can use the concept of autocorrelation to see how much of an impact past prices of Citizens Financial stock have on its future price. Citizens Financial autocorrelation represents the degree of similarity between a given time horizon and a lagged version of the same horizon over the previous time interval. In other words, Citizens Financial autocorrelation shows the relationship between Citizens Financial stock current value and its past values and can show if there is a momentum factor associated with investing in Citizens Financial Services.
Regressed Prices |
| Timeline |
Thematic Opportunities
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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.