CITIZENS FINANCIAL SERVICES, INC. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 47.4 USD | -0.02% |
|
+7.97% | -26.76% |
| 30/04 | Janney Upgrades Citizens Financial Services to Buy From Neutral, Price Target is $53 | MT |
| 25/04 | Earnings Flash (CZFS) CITIZENS FINANCIAL SERVICES Reports Q1 EPS $1.49 | MT |
Valuation
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Capitalization 1 | 216.8 | 219.6 | 239.4 | 304.7 | 304.6 | 223.1 | - |
| Enterprise Value (EV) 1 | 216.8 | 219.6 | 239.4 | 304.7 | 304.6 | 223.1 | 223.1 |
| P/E ratio | 11.1 x | 8.5 x | 8.22 x | 10.5 x | 15.9 x | 8.37 x | 7.29 x |
| Yield | - | 3.43% | 3.07% | 2.48% | 3% | 4.14% | 4.22% |
| Capitalization / Revenue | 42,43,648 x | 35,31,436 x | 35,70,922 x | 41,65,763 x | 37,45,674 x | - | - |
| EV / Revenue | 42,43,648 x | 35,31,436 x | 35,70,922 x | 41,65,763 x | 37,45,674 x | - | - |
| EV / EBITDA | - | - | - | - | - | - | - |
| EV / FCF | - | - | - | - | - | - | - |
| FCF Yield | - | - | - | - | - | - | - |
| Price to Book | - | 1.15 x | 1.13 x | 1.31 x | 1 x | 0.75 x | 0.7 x |
| Nbr of stocks (in thousands) | 3,668 | 4,041 | 4,024 | 4,011 | 4,706 | 4,707 | - |
| Reference price 2 | 59.10 | 54.35 | 59.49 | 75.96 | 64.72 | 47.40 | 47.40 |
| Announcement Date | 23/01/20 | 25/01/21 | 21/01/22 | 30/01/23 | 30/01/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net sales | 51.09 | 62.19 | 67.04 | 73.14 | 81.32 | - | - |
| EBITDA | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 23.31 | 30.37 | 35.32 | - | 21.52 | 33.9 | 39 |
| Net income 1 | 19.49 | 25.1 | 29.12 | 29.06 | 17.81 | 26.6 | 30.6 |
| Net margin | 38.15% | 40.36% | 43.44% | 39.73% | 21.9% | - | - |
| EPS 2 | 5.314 | 6.396 | 7.235 | 7.248 | 4.060 | 5.660 | 6.500 |
| Free Cash Flow | - | - | - | - | - | - | - |
| FCF margin | - | - | - | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - | - | - | - |
| Dividend per Share 2 | - | 1.864 | 1.824 | 1.882 | 1.941 | 1.960 | 2.000 |
| Announcement Date | 23/01/20 | 25/01/21 | 21/01/22 | 30/01/23 | 30/01/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2021 Q3 | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 16.59 | 17.09 | 16.48 | 17.98 | 18.85 | 19.56 | 18.08 | 18.19 | 22.4 | 22.11 | 20.96 | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 8.642 | 8.498 | 8.212 | 8.383 | 9.199 | 9.701 | 8.476 | -5.332 | 9.147 | 9.224 | 8.501 | 8 | 8.2 | 9.1 | 8.9 |
| Net income 1 | 7.064 | 6.944 | 6.74 | 6.901 | 7.544 | 7.875 | 6.867 | -4.144 | 7.548 | 7.54 | 7.024 | 6.2 | 6.4 | 7.2 | 6.9 |
| Net margin | 42.58% | 40.64% | 40.89% | 38.38% | 40.03% | 40.25% | 37.98% | -22.78% | 33.69% | 34.11% | 33.51% | - | - | - | - |
| EPS 2 | 1.755 | 1.725 | 1.676 | 1.723 | 1.881 | 1.970 | 1.713 | -1.010 | 1.610 | 1.600 | 1.490 | 1.330 | 1.360 | 1.520 | 1.470 |
| Dividend per Share 2 | 0.4607 | 0.4607 | 0.4656 | 0.4654 | 0.4752 | 0.4752 | 0.4802 | 0.4800 | 0.4900 | 0.4900 | 0.5000 | 0.4900 | 0.4900 | 0.4900 | 0.5000 |
| Announcement Date | 22/10/21 | 21/01/22 | 20/04/22 | 21/07/22 | 24/10/22 | 30/01/23 | 27/04/23 | 31/07/23 | 23/10/23 | 30/01/24 | 25/04/24 | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Net Debt | - | - | - | - | - | - | - |
| Net Cash position | - | - | - | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - | - |
| ROE (net income / shareholders' equity) | 13% | 14.2% | 14.3% | 13% | 6.52% | 9.05% | 10% |
| ROA (Net income/ Total Assets) | 1.34% | 1.46% | 1.45% | 1.29% | 0.66% | 0.89% | 1% |
| Assets 1 | 1,454 | 1,719 | 2,008 | 2,253 | 2,699 | 2,989 | 3,060 |
| Book Value Per Share 2 | - | 47.40 | 52.80 | 58.20 | 64.70 | 62.80 | 67.30 |
| Cash Flow per Share | - | - | - | - | - | - | - |
| Capex | - | - | - | - | - | - | - |
| Capex / Sales | - | - | - | - | - | - | - |
| Announcement Date | 23/01/20 | 25/01/21 | 21/01/22 | 30/01/23 | 30/01/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Sell
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
47.4
USD
Average target price
53
USD
Spread / Average Target
+11.81%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -26.76% | 223M | |
| +16.85% | 571B | |
| +14.20% | 301B | |
| +18.59% | 252B | |
| +25.74% | 216B | |
| +21.29% | 183B | |
| +25.50% | 170B | |
| +9.52% | 162B | |
| +5.28% | 146B | |
| -15.88% | 131B |
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- Financials Citizens Financial Services, Inc.