Citizens Financial has a performance score of 2 on a scale of 0 to 100. The firm shows a Beta (market volatility) of -0.099, which signifies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Citizens Financial are expected to decrease at a much lower rate. During the bear market, Citizens Financial is likely to outperform the market. Citizens Financial right now shows a risk of 2.19%. Please confirm Citizens Financial skewness, and the relationship between the value at risk and day median price , to decide if Citizens Financial will be following its price patterns.
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Compared to the overall equity markets, risk-adjusted returns on investments in Citizens Financial Services are ranked lower than 2 (%) of all global equities and portfolios over the last 90 days. In spite of comparatively stable technical and fundamental indicators, Citizens Financial is not utilizing all of its potentials. The current stock price uproar, may contribute to short-horizon losses for the private investors. ...more
Citizens Financial Relative Risk vs. Return Landscape
If you would invest 5,573 in Citizens Financial Services on October 7, 2025 and sell it today you would earn a total of 193.00 from holding Citizens Financial Services or generate 3.46% return on investment over 90 days. Citizens Financial Services is currently generating 0.0775% in daily expected returns and assumes 2.1891% risk (volatility on return distribution) over the 90 days horizon. In different words, 19% of stocks are less volatile than Citizens, and 99% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon.
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Given the investment horizon of 90 days Citizens Financial is expected to generate 1.05 times less return on investment than the market. In addition to that, the company is 2.97 times more volatile than its market benchmark. It trades about 0.04 of its total potential returns per unit of risk. The Dow Jones Industrial is currently generating roughly 0.11 per unit of volatility.
Citizens Financial Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for Citizens Financial's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as Citizens Financial Services, and traders can use it to determine the average amount a Citizens Financial's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = 0.0354
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Based on monthly moving average Citizens Financial is performing at about 2% of its full potential. If added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of Citizens Financial by adding it to a well-diversified portfolio.
Citizens Financial Fundamentals Growth
Citizens Stock prices reflect investors' perceptions of the future prospects and financial health of Citizens Financial, and Citizens Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on Citizens Stock performance.
Assessing Citizens Financial's fundamental ratios provides investors with valuable insights into Citizens Financial's financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the Citizens Financial is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. Citizens Financial Services, Inc. was founded in 1932 and is headquartered in Mansfield, Pennsylvania. Citizens Fincl operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 309 people.
Things to note about Citizens Financial performance evaluation
Checking the ongoing alerts about Citizens Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for Citizens Financial help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.
Evaluating Citizens Financial's performance can involve analyzing a variety of financial metrics and factors. Some of the key considerations to evaluate Citizens Financial's stock performance include:
Analyzing Citizens Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether Citizens Financial's stock is overvalued or undervalued compared to its peers.
Examining Citizens Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
Evaluating Citizens Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of Citizens Financial's management team can help you assess the Company's leadership.
Pay attention to analyst opinions and ratings of Citizens Financial's stock. These opinions can provide insight into Citizens Financial's potential for growth and whether the stock is currently undervalued or overvalued.
It's essential to remember that evaluating Citizens Financial's stock performance is not an exact science, and many factors can impact Citizens Financial's stock market price. Therefore, it's also important to diversify your portfolio and not rely solely on one company or stock for your investments.
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.