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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Fidelity D&D Bancorp, Inc.

Orange County Bancorp, Inc.

First Business Financial Services, Inc.

Unity Bancorp, Inc.

Civista Bancshares, Inc.

RBB Bancorp

Citizens Financial Services, Inc.

Farmers & Merchants Bancorp, Inc. (Ohio)

John Marshall Bancorp, Inc.

Financial Institutions, Inc.

BayCom Corp.

Why is Citizens Financial Services, Inc. ?

High Profitability with a Net Interest Margin of 11.00%

Positive results in Jun 25

NII(Q) Highest at USD 23.65 MM
ROCE(HY) Highest at 1.07%
DIVIDEND PER SHARE(HY) Highest at USD 0

With ROA of 0.61%, it has a attractive valuation with a 1.03 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 -21.22%, its profits have risen by 5.7% ; the PEG ratio of the company is 2.5

High Institutional Holdings at 28.73%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -21.22% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods

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.

-17.99%

0.97

42.24%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.19%

EBIT Growth (5y)

11.23%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

33.34%

Pledged Shares

Institutional Holding

28.73%

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

1.03

EV to EBIT

17.23

EV to EBITDA

16.36

EV to Capital Employed

1.02

EV to Sales

3.64

PEG Ratio

2.47

Dividend Yield

ROCE (Latest)

5.92%

ROE (Latest)

9.22%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Mildly Bearish

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

18What is working for the Company

NII(Q)

Highest at USD 23.65 MM

ROCE(HY)

Highest at 1.07%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 26.8 %

DIVIDEND PAYOUT RATIO(Y)

Highest at 55.88%

OPERATING PROFIT(Q)

Highest at USD 10.38 MM

PRE-TAX PROFIT(Q)

Highest at USD 10.42 MM

NET PROFIT(Q)

Highest at USD 8.46 MM

EPS(Q)

Highest at USD 1.76

-2What is not working for the Company

ROCE(HY)

Lowest at 1.07%

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

NII

Highest at USD 23.65 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Profit Margin

Highest at 26.8 % 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 Profit

Highest at USD 10.38 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 10.42 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 10.42 MM has Grown at 63.06%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 8.46 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 8.46 MM has Grown at 60.44%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 1.76

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Dividend Payout Ratio

Highest at 55.88%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)