CITIZENS FINANCIAL SERVICES INC (CZFS)
State Commercial Banks · Financial Services · $316M
Intrinsic Value (Consensus)
$171.62
Current Price
$65.78
Margin of Safety
+160.9%
160.9% Below Intrinsic Value
Value: $172
Price: $66
Valuation Model Estimates
Current Price: $65.78
DCF (Discounted Cash Flow)
$355.17
Graham Number
$109.88
Earnings Power Value
$73.98
Relative Value (P/E)
$152.40
Dividend Discount Model
$166.67
Consensus Value
$171.62
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
70
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (11.5%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $7.62
- EPS (Forward)
- $9.14
- Book Value
- $70.43
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.8%
- Debt/Equity
- —
- Revenue Growth
- 2.8%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance