- ISIN
- US1746151042
- CUSIP
- 174615104
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Jan 2, 2001
Highlights
- Market Cap
- $372.48M
- Enterprise Value
- $339.37M
- EPS (TTM)
- $8.19
- PE Ratio
- 9.46
- PEG Ratio
- 1.14
- Total Revenue (TTM)
- $171.28M
- Gross Profit (TTM)
- $84.10M
- EBITDA (TTM)
- $35.26M
- Year Range
- $51.14 - $79.50
- ROA (TTM)
- 1.30%
- ROE (TTM)
- 11.45%
- Avg. Volume (1M)
- 18K
- Avg. Volume Value (1M)
- $1.34M
Share Price Chart
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Performance
CZFS Performance Chart
Citizens Financial Services Inc. Common Stock (CZFS) is up 38.1% since the beginning of the year. At $78 per share, CZFS is trading just below its 52-week high of $79. Investors who bought $1,000 worth of CZFS shares 5 years ago would now be looking at an investment worth $1,505.
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Returns By Period
Citizens Financial Services Inc. Common Stock (CZFS) has returned 38.14% so far this year and 52.12% over the past 12 months. Over the last ten years, CZFS has returned 9.01% per year, falling short of the S&P 500 Index benchmark, which averaged 13.26% annually.
Citizens Financial Services Inc. Common Stock
- 1D
- 1.49%
- 1M
- 7.35%
- 6M
- 24.53%
- YTD
- 38.14%
- 1Y
- 52.12%
- 3Y*
- 7.41%
- 5Y*
- 8.52%
- 10Y*
- 9.01%
- ALL TIME*
- 12.61%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
CZFS Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 2001, CZFS's average daily return is +0.06%, while the average monthly return is +1.18%. At this rate, an investment would double in approximately 4.9 years.
Historically, 57% of months were positive and 43% were negative. The best month was Apr 2003 with a return of +27.3%, while the worst month was Aug 2023 at -22.3%. The longest winning streak lasted 12 consecutive months, and the longest losing streak was 7 months.
On a daily basis, CZFS closed higher 28% of trading days. The best single day was Nov 6, 2024 with a return of +15.3%, while the worst single day was Mar 23, 2020 at -13.8%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 10.93% | -5.04% | 2.67% | 3.29% | 2.96% | 12.24% | 7.01% | 38.14% | |||||
| 2025 | -3.27% | -1.26% | -3.15% | -6.24% | 12.35% | -3.18% | -8.57% | 11.68% | 1.32% | -9.11% | 2.01% | 2.85% | -6.91% |
| 2024 | -9.53% | -20.15% | 6.45% | -17.89% | 3.84% | 9.44% | 18.96% | 6.43% | 4.19% | -0.78% | 21.14% | -9.71% | 2.71% |
| 2023 | 2.53% | 6.56% | 0.27% | 3.64% | -13.25% | 1.20% | -5.36% | -22.33% | -11.61% | 3.19% | 15.15% | 14.54% | -11.85% |
| 2022 | 7.10% | -3.85% | 2.37% | 8.66% | -4.35% | 7.85% | 3.93% | 7.42% | -9.60% | -2.31% | 5.99% | 6.22% | 31.17% |
| 2021 | 0.09% | 1.69% | 5.51% | 2.68% | -0.41% | 4.07% | -0.71% | -0.08% | 0.76% | -1.36% | -1.80% | 1.04% | 11.80% |
Benchmark Metrics
Citizens Financial Services Inc. Common Stock has an annualized alpha of 16.74%, beta of 0.10, and R2 of 0.00 versus S&P 500 Index. Calculated based on daily prices since January 02, 2001.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (45.31%) than losses (0.22%) - typical of diversified or defensive assets.
- Beta of 0.10 may look defensive, but with R2 of 0.00 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.00 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 16.74%
- Beta
- 0.10
- R²
- 0.00
- Upside Capture
- 45.31%
- Downside Capture
- 0.22%
Return for Risk
Risk / Return Rank
CZFS ranks 81 for risk / return — above 81% of stocks peers on PortfoliosLab. Its historical combined result is among the stronger results in the peer group.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for Citizens Financial Services Inc. Common Stock (CZFS) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CZFS | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.02 | ||
| Sortino ratioReturn per unit of downside risk | +0.02 | ||
| Omega ratioGain probability vs. loss probability | 1.23 | 1.25 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 2.72 | 2.00 | +0.72 |
| Martin ratioReturn relative to average drawdown | 5.94 | 8.49 | -2.56 |
Dividends
Dividend History
Citizens Financial Services Inc. Common Stock provided a 2.59% dividend yield over the last twelve months, with an annual payout of $2.01 per share.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $2.01 | $1.99 | $1.96 | $2.41 | $1.87 | $1.82 | $1.87 | $1.72 | $1.24 | $1.59 | $1.49 | $1.54 |
Dividend yield | 2.59% | 3.49% | 3.09% | 3.75% | 2.48% | 3.08% | 3.44% | 2.90% | 2.35% | 2.68% | 3.14% | 3.53% |
Monthly Dividends
The table displays the monthly dividend distributions for Citizens Financial Services Inc. Common Stock. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.50 | $0.00 | $0.00 | $0.51 | $0.00 | $1.01 | |||||
| 2025 | $0.00 | $0.00 | $0.50 | $0.00 | $0.00 | $0.50 | $0.00 | $0.00 | $0.50 | $0.00 | $0.00 | $0.50 | $1.99 |
| 2024 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $1.96 |
| 2023 | $0.00 | $0.00 | $0.48 | $0.00 | $0.00 | $0.96 | $0.00 | $0.00 | $0.49 | $0.00 | $0.00 | $0.49 | $2.41 |
| 2022 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.47 | $0.00 | $0.00 | $0.47 | $0.00 | $0.00 | $0.47 | $1.87 |
| 2021 | $0.00 | $0.00 | $0.45 | $0.00 | $0.00 | $0.45 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.46 | $1.82 |
Dividend Yield & Payout
Dividend Yield
Citizens Financial Services Inc. Common Stock has a dividend yield of 2.59%, which is quite average when compared to the overall market.
Payout Ratio
Citizens Financial Services Inc. Common Stock has a payout ratio of 24.28%, which is below the market average. This means Citizens Financial Services Inc. Common Stock returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Citizens Financial Services Inc. Common Stock. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Citizens Financial Services Inc. Common Stock was 55.00%, occurring on Apr 26, 2024. The portfolio has not yet recovered.
The current Citizens Financial Services Inc. Common Stock drawdown is 4.92%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-55.00%Apr 2024 | 10mo 18d | — | 3y 1moJun 2023 - now | — |
-40.56%Mar 2020 | 1mo 4d | 1y 3mo | 1y 4moFeb 2020 - Jul 2021 | COVID crash2020 |
-25.82%Mar 2009 | 7mo 28d | 3mo 25d | 11mo 23dAug 2008 - Jul 2009 | Financial crisis2007–2009 |
-24.43%Dec 2005 | 2y 7mo | 1y 3mo | 3y 10moMay 2003 - Apr 2007 | — |
-22.37%Oct 2022 | 1mo 21d | 3mo 19d | 5mo 10dAug 2022 - Feb 2023 | Bear market2022 |
Drawdown Indicators
| CZFS | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -55.00% | -56.78% | +1.78% |
Max Drawdown (1Y)Largest decline over 1 year | -18.12% | -9.10% | -9.02% |
Max Drawdown (3Y)Largest decline over 3 years | -40.04% | -18.90% | -21.14% |
Max Drawdown (5Y)Largest decline over 5 years | -55.00% | -25.43% | -29.57% |
Max Drawdown (10Y)Largest decline over 10 years | -55.00% | -33.92% | -21.08% |
Current DrawdownCurrent decline from peak | -4.92% | -1.58% | -3.34% |
Average DrawdownAverage peak-to-trough decline | -10.85% | -10.70% | -0.15% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 8.29% | 2.14% | +6.15% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Citizens Financial Services Inc. Common Stock over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Citizens Financial Services Inc. Common Stock is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CZFS, comparing it with other companies in the Banks - Regional industry. Currently, CZFS has a P/E ratio of 9.5. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CZFS compared to other companies in the Banks - Regional industry. CZFS currently has a PEG ratio of 1.1. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CZFS relative to other companies in the Banks - Regional industry. Currently, CZFS has a P/S ratio of 2.2. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for CZFS in comparison with other companies in the Banks - Regional industry. Currently, CZFS has a P/B value of 1.1. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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