Is Citizens Financial Services, Inc. overvalued?

Citizens Financial Services, Inc. (CZFS) looks undervalued — trading about 15% below its fair value.

Undervalued

Price

$80.44

Fair value

$92.34

Current P/E

9.8

Normal P/E

11.3

Market cap

$386.5M

Dividend yield

2.6%

Return on equity

12.1%

Sector

Financial Services

Fair value compares CZFS's current P/E to its own historical "normal" P/E (FAST Graphs-style). Updated 24 Sep 2026.

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