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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2637
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$290M
Randall E. Black
Citizens Financial Services, Inc. operates as the bank holding company for First Citizens Community Bank. It provides various banking products and services for individual, business, governmental, and institutional customers. The company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, and Clinton counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CZFS ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$CZFS CITIZENS FINANCIAL SERVICES INC | 46 | 28 | 42 | 51 | 9.0x | 7.3x | 10.3% | 1.1% | 0.0% | 409.8% | 332.8% | 15.9% | 3.3% | 833.0x | $290M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
CITIZENS FINANCIAL SERVICES INC (CZFS) receives a "Reduce" rating with a composite score of 45.9/100. It ranks #2637 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for CZFS.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 28 | 22 | +6ALPHA |
| MOMENTUM | 51 | 54 | -3NEUTRAL |
| VALUATION | 42 | 46 | -4NEUTRAL |
| INVESTMENT | 37 | 67 | -30DRAG |
| STABILITY | 45 | 41 | +4NEUTRAL |
| SHORT INT | 76 | 88 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 3.5% vs WACC 5.5% (spread -2.0%)
GM 0% vs sector 78%, OM 410% vs sector 18%
Capital turnover 0.01x
Rev growth 16%, 10yr history
Interest coverage 3.4x, Net debt/EBITDA 20.6x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate CITIZENS FINANCIAL SERVICES INC (CZFS) as a Reduce with a composite score of 45.9/100 at a current price of $60.01. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
CITIZENS FINANCIAL SERVICES INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 45.9/100 places it at rank #2637 in our full universe.
No Moat
High
Standard
Fair Value
Stable competitive position in a defensive sector.
Leverage of 833% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
CITIZENS FINANCIAL SERVICES INC represents a reduce based on multi-factor quantitative performance.
CITIZENS FINANCIAL SERVICES INC receives a Reduce rating from our analysis, with a composite score of 45.9/100 and 2 out of 5 stars, ranking #2637 out of 7,333 stocks. CZFS's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
CZFS's quality score of 28/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.3% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 332.8% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 42/100, CZFS appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 9.00x, an EV/EBITDA of 7.31x, a P/B ratio of 0.92x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
CITIZENS FINANCIAL SERVICES INC's investment score of 37/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 15.9% vs. a sector average of 10.7% and a return on assets of 1.1% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
CZFS demonstrates moderate momentum with a score of 51/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 15.9% year-over-year, while a beta of 0.67 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 45/100, CZFS exhibits average financial resilience. Key stability metrics include a beta of 0.67 and a debt-to-equity ratio of 833.00x (sector avg: 0.5x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
CZFS carries a short interest score of 76/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 833.00x), micro-cap liquidity risk. At $290M market cap (micro-cap), CITIZENS FINANCIAL SERVICES INC offers reasonable institutional liquidity.
CZFS pays a solid dividend yield of 3.3%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
CITIZENS FINANCIAL SERVICES INC is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2637 of 7,333 overall (64th percentile). Key comparisons include ROE of 10.3% exceeding the 9.0% sector median and operating margins of 409.8% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While CZFS currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Quality (28) would have the largest impact on the composite score.
EV/EBITDA 6% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 14% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
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Above 50MA
37.18%
Net New Highs
+51081