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CITIZENS FINANCIAL SERVICES INC CZFS

Rank #1534 · Nasdaq · $0.4B market cap
Audited by S.R. Snodgrass, P.C., no going-concern flag in the latest filing.
Score
46.8
P/E
23.0
P/B
2.05
ROE
8.9%
Op. Margin
–%
Debt Ratio
1362%

Health Check — percentile rank within this universe, based on the latest annual filing

Valuation ★★★☆☆
Good

P/E 23.0x, P/B 2.05x. Ranks in the top 34% of the universe.

Profitability ★★★☆☆
Average

ROE 8.9%. Ranks in the top 49% of the universe.

Safety ★☆☆☆☆
Poor

Debt ratio 1362%. Ranks in the top 96% of the universe. Above 200% signals meaningful leverage risk.

Growth ★★☆☆☆
Average

Revenue growth of 4.5% year over year. Ranks in the top 51% of the universe.

Valuation is the relative strength · Safety is the relative weakness (relative to this universe).

Financials annual, from SEC 10-K filings

FYRevenueOp. IncomeNet IncomeEquityOp. Margin%Debt%
2011––$0.0B$0.1B–1410
2012––$0.0B$0.1B–1296
2013––$0.0B$0.1B–1154
2014––$0.0B$0.1B–1010
2015––$0.0B$0.1B–922
2016––$0.0B$0.1B–1133
2017––$0.0B$0.1B–1094
2018$0.0B–$0.0B$0.1B–1029
2019$0.0B–$0.0B$0.1B–1048
2020$0.0B–$0.0B$0.1B–1017
2021$0.0B–$0.0B$0.1B–1219
2022$0.0B–$0.0B$0.2B–1248
2023$0.0B–$0.0B$0.2B–1098
2024$0.0B–$0.0B$0.2B–1269
2025$0.0B–$0.0B$0.2B–1362

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