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CZFS Stock Price, Chart, Stats & News

Citizens Financial Services, Inc.
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314.10M
Market cap
7.98x
Current P/E
9.29x
Forward P/E
3.05%
Dividend yield

CZFS chart

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Fundamentals

Gross margin
63.36%
Operating margin
26.00%
Pretax margin
26.00%
Net margin
21.09%
Effective tax rate
18.89%
ROA
1.19%
ROE
11.36%
D/E
0.92x
Interest coverage ratio
0.74x

CZFS valuation

P/E
7.98x
P/S
1.67x
P/B
0.86x
P/CF
7.92x
P/FCF
8.31x
P/OCF
7.92x
PEG
1.06x
EV multiple
0.33x

About

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. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services.

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