Is Citizens Financial Services, Inc. overvalued or undervalued?

As of 30 July 2025, the valuation grade for Citizens Financial Services, Inc. has moved from very attractive to fair. This suggests that the company is fairly valued at present. Key valuation ratios include a P/E ratio of 11, a Price to Book Value of 1.03, and an EV to EBITDA of 16.36, which indicate that the company is positioned within a reasonable range compared to its peers.
In comparison to its peers, Citizens Financial Services, Inc. has a P/E ratio of 10.40, while Unity Bancorp, Inc. stands at 11.21 and Civista Bancshares, Inc. at 12.54, highlighting a competitive landscape. Despite recent stock performance showing a 1.44% return over the past week compared to the S&P 500's 1.05%, the company's longer-term returns have lagged, particularly over three years with a -6.01% return versus the S&P 500's 70.41%. This indicates that while the company may be fairly valued now, its growth potential appears limited relative to broader market performance.