Citizens Financial Services Stock Market Value
| CZFS Stock | USD 65.72 1.07 1.60% |
| Symbol | Citizens |
Is there potential for Regional Banks market expansion? Will Citizens introduce new products? Factors like these will boost the valuation of Citizens Financial. Projected growth potential of Citizens fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. 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 0.31 | Dividend Share 1.99 | Earnings Share 7.62 | Revenue Per Share | Quarterly Revenue Growth 0.111 |
Investors evaluate Citizens Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Citizens Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Citizens Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Citizens Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Citizens Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Citizens Financial's market price signifies the transaction level at which participants voluntarily complete trades.
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.
| 11/10/2025 |
| 02/08/2026 |
If you would invest 0.00 in Citizens Financial on November 10, 2025 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 90 days. Citizens Financial is related to or competes with LINKBANCORP, Northeast Community, Parke Bancorp, Timberland Bancorp, CoastalSouth Bancshares,, Fidelity, and First Bancorp. 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 | 1.92 | |||
| Information Ratio | 0.1061 | |||
| Maximum Drawdown | 10.38 | |||
| Value At Risk | (2.86) | |||
| Potential Upside | 4.15 |
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 | 0.1241 | |||
| Jensen Alpha | 0.2736 | |||
| Total Risk Alpha | 0.0959 | |||
| Sortino Ratio | 0.1243 | |||
| Treynor Ratio | 0.5731 |
Citizens Financial February 8, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
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| Volume Indicators |
| Risk Adjusted Performance | 0.1241 | |||
| Market Risk Adjusted Performance | 0.5831 | |||
| Mean Deviation | 1.82 | |||
| Semi Deviation | 1.76 | |||
| Downside Deviation | 1.92 | |||
| Coefficient Of Variation | 684.55 | |||
| Standard Deviation | 2.24 | |||
| Variance | 5.03 | |||
| Information Ratio | 0.1061 | |||
| Jensen Alpha | 0.2736 | |||
| Total Risk Alpha | 0.0959 | |||
| Sortino Ratio | 0.1243 | |||
| Treynor Ratio | 0.5731 | |||
| Maximum Drawdown | 10.38 | |||
| Value At Risk | (2.86) | |||
| Potential Upside | 4.15 | |||
| Downside Variance | 3.67 | |||
| Semi Variance | 3.11 | |||
| Expected Short fall | (2.14) | |||
| Skewness | 0.3043 | |||
| Kurtosis | (0.04) |
Citizens Financial Backtested Returns
Citizens Financial appears to be very steady, given 3 months investment horizon. Citizens Financial secures Sharpe Ratio (or Efficiency) of 0.12, which signifies that the company had a 0.12 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Citizens Financial Services, which you can use to evaluate the volatility of the firm. Please makes use of Citizens Financial's Downside Deviation of 1.92, risk adjusted performance of 0.1241, and Mean Deviation of 1.82 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 9. The firm shows a Beta (market volatility) of 0.55, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Citizens Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding Citizens Financial is expected to be smaller as well. Please check Citizens Financial's value at risk, as well as the relationship between the skewness and day median price , to make a quick decision on whether Citizens Financial's price patterns will revert.
Auto-correlation | 0.50 |
Modest predictability
Citizens Financial Services has modest predictability. Overlapping area represents the amount of predictability between Citizens Financial time series from 10th of November 2025 to 25th of December 2025 and 25th of December 2025 to 8th of February 2026. 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 0.5 indicates that about 50.0% of current Citizens Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.5 | |
| Spearman Rank Test | 0.57 | |
| Residual Average | 0.0 | |
| Price Variance | 13.52 |
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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.