Intrinsiqs

Is Citizens Financial Services, Inc. overvalued?

Citizens Financial Services, Inc. (CZFS) looks fairly valued — trading about 8% below its fair value.

Fairly valued
Current price $85.15 Fair value $92.34
Price
$85.15
Fair value
$92.34
Current P/E
10.4
Normal P/E
11.3
Market cap
$409.6M
Dividend yield
2.4%
Return on equity
12.4%
Sector
Financial Services

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Fair value compares CZFS's current P/E to its own historical "normal" P/E (FAST Graphs-style). Updated 12 Nov 2026.

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