At this time, the firm appears to be fairly valued. Citizens Financial shows a prevailing Real Value of $63.65 per share. The current price of the firm is $63.92. Our model approximates the value of Citizens Financial from analyzing the firm fundamentals such as Profit Margin of 0.33 %, current valuation of 571.69 M, and Return On Equity of 0.11 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Citizens Financial's valuation include:
Price Book
0.8872
Enterprise Value
571.7 M
Price Sales
2.757
Forward PE
9.2678
Trailing PE
8.2769
Fairly Valued
Today
63.92
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 63.92
Real 63.65
Target 65.0
Hype 64.32
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:
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Citizens Financial's intrinsic value based on its ongoing forecasts of Citizens Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Citizens Financial's closest peers.
Citizens Financial Cash
30.43 Million
Citizens Financial Total Value Analysis
Citizens Financial Services is currently forecasted to have valuation of 571.69 M with market capitalization of 303.18 M, debt of 309.45 M, and cash on hands of 46.88 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Citizens Financial fundamentals before making equity appraisal based on enterprise value of the company
About 29.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.89. Some equities with similar Price to Book (P/B) outperform the market in the long run. Citizens Financial recorded earning per share (EPS) of 7.62. The entity last dividend was issued on the 12th of December 2025. The firm had 101:100 split on the 14th of June 2024. Citizens Financial Services is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in March.
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Citizens Financial has an asset utilization ratio of 5.65 percent. This implies that the Company is making $0.0565 for each dollar of assets. An increasing asset utilization means that Citizens Financial Services is more efficient with each dollar of assets it utilizes for everyday operations.
Dot-com Bubble
Housing Crash
Credit Downgrade
Yuan Drop
Covid
Interest Hikes
Citizens Financial Profitability Analysis
Taking into consideration Citizens Financial's profitability measurements, Citizens Financial Services may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Citizens Financial's ability to earn profits and add value for shareholders.
For Citizens Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Citizens Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Citizens Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Citizens Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Citizens Financial over time as well as its relative position and ranking within its peers.
Citizens Financial Earnings per Share Projection vs Actual
The next projected EPS of Citizens Financial is estimated to be 1.91 with future projections ranging from a low of 1.91 to a high of 1.91. Citizens Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 7.62. Please be aware that the consensus of earnings estimates for Citizens Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.
Covid
Interest Hikes
Citizens Financial is projected to generate 1.91 in earnings per share on the 30th of June 2026. Citizens Financial earnings estimates show analyst consensus about projected Citizens Financial EPS (Earning Per Share). It derives the highest and the lowest estimates based on Citizens Financial's historical volatility. Many public companies, such as Citizens Financial, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.
Citizens Financial Earnings Estimation Breakdown
The calculation of Citizens Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Citizens Financial is estimated to be 1.91 with the future projection ranging from a low of 1.91 to a high of 1.91. Please be aware that this consensus of annual earnings estimates for Citizens Financial Services is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.0
1.91
Lowest
Expected EPS
1.91
1.91
Highest
Citizens Financial Earnings Projection Consensus
Suppose the current estimates of Citizens Financial's value are higher than the current market price of the Citizens Financial stock. In this case, investors may conclude that Citizens Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Citizens Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of Analysts
Historical Accuracy
Last Reported EPS
Estimated EPS for 30th of June 2026
Current EPS (TTM)
1
83.44%
0.0
1.91
7.62
Citizens Financial Ownership Allocation
The market capitalization of Citizens Financial is $303.18 Million. Citizens Financial Services shows 6.15 percent of its outstanding shares held by insiders and 29.0 percent owned by other corporate entities. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Citizens Financial Profitability Analysis
The company reported the previous year's revenue of 173.24 M. Net Income was 36.57 M with profit before overhead, payroll, taxes, and interest of 109.97 M.
Citizens Financial Past Distributions to stockholders
The stock valuation mechanism determines Citizens Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of Citizens Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of Citizens Financial. We calculate exposure to Citizens Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Citizens Financial's related companies.
Citizens Financial's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Citizens Financial's value is low or high relative to the company's performance and growth projections. Determining the market value of Citizens Financial can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Citizens Financial represents a small ownership stake in the entity. As a stockholder of Citizens, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Citizens Financial Dividends Analysis For Valuation
At this time, Citizens Financial's Dividend Yield is comparatively stable compared to the past year. Dividend Payout Ratio is likely to gain to 0.41 in 2026, despite the fact that Dividends Paid is likely to grow to (10.2 M). . At this time, Citizens Financial's Retained Earnings are comparatively stable compared to the past year. Price Earnings Ratio is likely to gain to 12.84 in 2026, whereas Retained Earnings Total Equity is likely to drop slightly above 118.5 M in 2026.
There are various types of dividends Citizens Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Citizens shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Citizens Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Citizens pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Citizens Financial by the value of the dividends paid out.
Citizens Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as Citizens Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding
4.8 M
Quarterly Earnings Growth Y O Y
0.31
Forward Price Earnings
9.2678
Citizens Financial Current Valuation Indicators
Citizens Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Citizens Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Citizens Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Citizens Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Citizens Financial's worth.
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.