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Citizens Financial Services, Inc. CZFS NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Citizens Financial Services, Inc. (CZFS) 是一家区域银行公司，属于金融服务行业, 目前交易价格为 $66.10. 其SharesGrow评分为 69/100, 表明高于平均的投资特征， 7项中通过4项.

SharesGrow 的内在价值估计为 CZFS = $189.94 (+187.3% 相对于当前价格, 该股票看起来被低估).

估值: CZFS 市盈率(P/E)为 8.8 (S&P 500平均约25) 前瞻PEG为 5.71.

财务数据: 营收为 $173M, +24.4%/yr 平均增长. 净利润为 $37M, 增长率为 +16.3%/yr. 净利润率为 21.1% (强劲). 毛利率为 63.3% (-22.8 pp 趋势).

资产负债表: 总债务为 $309M 对比 $338M 股东权益 (D/E比率 0.92, 适度). 流动比率为 0.2 (流动性紧张). 资产负债率为 10.1%. 总资产: $3.1B.

分析师展望: 2 / 2 位分析师评级 CZFS 为买入 (100%) — 强烈共识.

SharesGrow 7项标准细分: Value 49/100 (Partial), Growth 90/100 (Pass), Past 100/100 (Pass), Health 17/100 (Fail), Moat 43/100 (Fail), Future 100/100 (Pass), Income 85/100 (Pass).

CZFS SharesGrow 评分概览

69/100

SharesGrow Score

Above average fundamentals

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价值 49/100

估值 — P/E, PEG, Forward PEG

成长 90/100

财务数据 — 平均增长

过去 100/100

强劲 — 趋势

健康 17/100

资产负债表 — D/E比率, 流动比率为

护城河 43/100

毛利率为 + market cap

未來 100/100

分析师展望 — 为买入

收入 85/100

净利润率为

Scores derived from financial statements, analyst ratings, and balance sheet data.

评分明细 — CZFS

CZFS 市盈率(P/E)为 8.8 (S&P 500平均约25). Forward PEG 5.71 — 被高估. Trailing PEG 1.18. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + 上涨空间 (25%) + trailing PEG (20%). ≥ 60 = Pass.

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CZFS: +24.4%/yr 营收为, +16.3%/yr 净利润为平均增长. > 5%/yr — 强劲. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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CZFS: 4 / 4 年盈利. 强劲 — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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资产负债表 CZFS: D/E比率 0.92 (适度), 流动比率为 0.2 (流动性紧张). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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CZFS: 毛利率为 63.3% (-22.8 pp 趋势), N/A market cap. Moat (0-100): margin (35%) + 趋势 (15%) + market cap (30%) + 营收为 (20%). Score 43/100. ≥ 70 = Pass.

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分析师展望: 2 / 2 位分析师评级 CZFS 为买入 (100%). Score: 60% buy consensus + 40% 上涨空间. ≥ 60 = Pass.

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CZFS: 净利润率为 21.1%. 健康 (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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股票图表与统计

市场数据

52周区间49.99-69.3

成交量2.94K

30日平均成交量11.25K

市值$317.76M

Beta（1年）0.41

股息率$1.9901

股份统计

EPS（TTM）7.62

流通股数$4.8M

IPO日期1999-01-04

员工数379

首席执行官Randall E. Black

财务亮点与比率

营收（TTM）$173.24M

毛利润$109.7M

EBITDA$45.09M

净利润$36.57M

营业利润$45.09M

现金总额$479.03M

总负债$309.45M

净负债$275.16M

总资产$3.06B

市盈率（P/E）8.7

市销率（P/S）1.83

分析师预测

评级共识Buy

覆盖分析师数2

买入 100% 持有 0% 卖出 0%

公司信息

国家US

交易所NASDAQ Capital Marke

货币USD

ISINUS1746151042

股价走势

CZFS

Citizens Financial Services, Inc. ↗ · NASDAQ Capital Marke

Financial Services • Banks - Regional

49.99 52周区间 69.30

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