Is Citizens Financial Services, Inc. overvalued?

Citizens Financial Services, Inc. (CZFS) looks undervalued — trading about 12% below its fair value.

Undervalued

Price

$82.54

Fair value

$92.34

Current P/E

10.1

Normal P/E

11.3

Market cap

$396.6M

Dividend yield

2.4%

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 11 Aug 2026.

Related stocks