Citizens Financial Services, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Citizens Financial Services, Inc.

Why is Citizens Financial Services, Inc. ?

High Profitability with a Net Interest Margin of 8.78%

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 41.23 MM
ROCE(HY) Highest at 1.3%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.68%, it has a very attractive valuation with a 0.94 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 24.54%, its profits have risen by 31.5% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 29.87%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.03% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Citizens Financial Services, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Citizens Financial Services, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Citizens Financial Services, Inc.

24.54%

2.05

36.49%

S&P 500

20.77%

1.57

13.22%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.76%

EBIT Growth (5y)

11.05%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.99%

Pledged Shares

Institutional Holding

29.87%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.94

EV to EBIT

12.78

EV to EBITDA

12.18

EV to Capital Employed

0.96

EV to Sales

3.45

PEG Ratio

0.29

Dividend Yield

3.04%

ROCE (Latest)

7.53%

ROE (Latest)

10.82%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 41.23 MM

ROCE(HY)

Highest at 1.3%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 31.49 %

-6What is not working for the Company

ROCE(HY)

Lowest at 1.3%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 23.13%

CREDIT DEPOSIT RATIO(HY)

Lowest at 94.14%

Here's what is working for Citizens Financial Services, Inc.

Operating Profit Margin

Highest at 31.49 % and Grown

In each period in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Cash Flow

Highest at USD 41.23 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Here's what is not working for Citizens Financial Services, Inc.

Non Performing Loans (%)

Highest at 1.64%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Credit Deposit Ratio

Lowest at 94.14%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Dividend Payout Ratio

Lowest at 23.13%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)