Citizens Financial Services, Inc.

Is Citizens Financial Services, Inc. overvalued or undervalued?

As of July 30, 2025, Citizens Financial Services, Inc. is fairly valued with a P/E ratio of 11 and competitive ratios compared to peers, but its long-term growth potential is limited, evidenced by a -6.01% return over three years versus the S&P 500's 70.41%.

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.<BR><BR>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.

Is Citizens Financial Services, Inc. technically bullish or bearish?

As of September 11, 2025, Citizens Financial Services, Inc. shows a mildly bullish trend with strong weekly and monthly indicators, despite mixed signals from daily moving averages and underperformance in the long term.

As of 11 September 2025, the technical trend for Citizens Financial Services, Inc. has changed from sideways to mildly bullish. The weekly and monthly MACD indicators are bullish, and both Bollinger Bands are also signaling bullish momentum. The Dow Theory reflects a mildly bullish stance on both weekly and monthly time frames. However, the daily moving averages are mildly bearish, and the monthly OBV is mildly bearish, indicating some mixed signals.<BR><BR>In terms of performance, the stock has outperformed the S&P 500 over the past week and month, with returns of 1.44% and 15.36% compared to 1.05% and 2.33% for the index, respectively. However, longer-term returns show underperformance, particularly over the 3-year and 5-year periods. Overall, the current technical stance is mildly bullish, driven by strong weekly and monthly indicators despite some bearish signals in the daily moving averages.

How big is Citizens Financial Services, Inc.?

As of Jun 18, Citizens Financial Services, Inc. has a market capitalization of 295.03 million and total assets of 3,034.53 million, with shareholder's funds at 299.73 million.

As of Jun 18, Citizens Financial Services, Inc. has a market capitalization of 295.03 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 155.39 million, while the net profit for the same period is 28.42 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds of 299.73 million and total assets amounting to 3,034.53 million.

What does Citizens Financial Services, Inc. do?

Citizens Financial Services, Inc. is a micro-cap regional bank with recent net sales of $39 million and a net profit of $8 million. Key metrics include a P/E ratio of 11.00, a dividend yield of 0.81%, and a market cap of $295.03 million.

Overview:<BR>Citizens Financial Services, Inc. operates in the regional banks industry and is classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 39 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 8 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 295.03 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 11.00 <BR>Dividend Yield: 0.81% <BR>Debt Equity: 0.00 <BR>Return on Equity: 9.22% <BR>Price to Book: 0.96<BR><BR>Contact Details:<BR>Registrar Address: Not available.

Should I buy, sell or hold Citizens Financial Services, Inc.?