SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Citizens Financial Services, Inc. (CZFS) trades at a trailing P/E of 8.8, forward P/E of 8.5. Trailing earnings yield is 11.40%, forward earnings yield 11.82%. PEG 0.29 (Peter Lynch undervalued ≤1.0). Graham Number is $109.95.
Criteria proven by this page:
- VALUE (49/100, Partial) — mixed signals — some valuation metrics are favorable while others are stretched.
- Forward P/E 8.5 (down from trailing 8.8) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.29 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 11.40% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 11.82% as earnings recover.
Overall SharesGrow Score: 69/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
~
VALUE
49/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
17/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CZFS
Valuation Multiples
P/E (TTM)8.8
Forward P/E8.5
PEG Ratio0.29
Forward PEG3.38
P/B Ratio0.95
P/S Ratio1.85
EV/EBITDA13.2
Per Share Data
EPS (TTM)$7.62
Forward EPS (Est.)$7.81
Book Value / Share$70.48
Revenue / Share$36.16
FCF / Share$7.27
Yields & Fair Value
Earnings Yield11.40%
Forward Earnings Yield11.82%
Dividend Yield2.97%
Graham Number$109.95
SharesGrow IV$189.94 (+187.3%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
13.9 |
-15.68 |
1.42 |
3.44 |
2.90% |
| 2017 |
16.7 |
4.31 |
1.68 |
3.83 |
2.38% |
| 2018 |
10.7 |
0.28 |
1.38 |
2.99 |
3.17% |
| 2019 |
11.0 |
1.24 |
1.39 |
3.05 |
2.95% |
| 2020 |
8.4 |
0.44 |
1.09 |
2.58 |
3.10% |
| 2021 |
8.1 |
0.62 |
1.12 |
2.77 |
3.11% |
| 2022 |
10.4 |
73.56 |
1.51 |
3.24 |
2.52% |
| 2023 |
15.8 |
-0.36 |
1.00 |
2.02 |
3.03% |
| 2024 |
10.7 |
0.23 |
0.99 |
1.77 |
3.12% |
| 2025 |
7.5 |
0.24 |
0.81 |
1.58 |
3.49% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$3.36 |
$50.9M |
$12.64M |
24.8% |
| 2017 |
$3.49 |
$56.75M |
$13.03M |
23% |
| 2018 |
$4.84 |
$64.49M |
$18.03M |
28% |
| 2019 |
$5.26 |
$70.37M |
$19.49M |
27.7% |
| 2020 |
$6.33 |
$81.27M |
$25.1M |
30.9% |
| 2021 |
$7.16 |
$85.52M |
$29.12M |
34% |
| 2022 |
$7.17 |
$93.1M |
$29.06M |
31.2% |
| 2023 |
$4.02 |
$138.72M |
$17.81M |
12.8% |
| 2024 |
$5.85 |
$168.62M |
$27.82M |
16.5% |
| 2025 |
$7.62 |
$173.24M |
$36.57M |
21.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$7.81 |
$7.81 – $7.81 |
$116.9M |
$116.9M – $116.9M |
1 |
| 2027 |
$7.93 |
$7.93 – $7.93 |
$120.3M |
$120.3M – $120.3M |
1 |
