ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens Financial Services, Inc. ?
1
High Profitability with a Net Interest Margin of 8.78%
2
Flat results in Jun 26
- OPERATING CASH FLOW(Y) Lowest at USD 30.31 MM
- ROCE(HY) Lowest at 1.33%
- GROSS NPA (%)(Q) Highest at 1.71%
3
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 41.87%, its profits have risen by 31.5% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 35.58%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 5.71% over the previous quarter.
5
Market Beating Performance
- The stock has generated a return of 41.87% in the last 1 year, much higher than market (S&P 500) returns of 20.21%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Citizens Financial Services, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Citizens Financial Services, Inc.
37.91%
2.87
36.32%
S&P 500
20.6%
1.55
13.08%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.76%
EBIT Growth (5y)
11.05%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
25.99%
Pledged Shares
0
Institutional Holding
29.87%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
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%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
ROCE(HY)
Highest at 1.33%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 100.02%
-7What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 30.31 MM
ROCE(HY)
Lowest at 1.33%
GROSS NPA (%)
(Q
Here's what is working for Citizens Financial Services, Inc.
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 100.02%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Citizens Financial Services, Inc.
Operating Cash Flow
Lowest at USD 30.31 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Highest at 1.71%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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