SuperworthCitizens Financial Services CZFS
- Market cap
- $406.8M
- PE
- 9.9×
- 10y median 10.4×
- Forward PE
- n/m
- not a meaningful number
- Revenue, 12 months
- $118.1M
- +12% on a year ago
- Net margin
- 34.8%
Citizens Financial Services trades at 9.9× trailing earnings, near its ten-year median. Revenue was $118.1M over the last twelve months, up 12% on a year earlier with a 35% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $26.1M+21% | $25.3M+17% | $25.9M+28% | $24.6M+22% | $25.1M−4% | $26.2M+3% | $26.4M+2% | $27.3M+11% | $29M+16% | $29.6M+13% | $29.8M+13% | $29.7M+9% | |
| Interest expense | $14.3M+386% | $16.7M+230% | $17M+142% | $16.6M+87% | $17.4M+22% | $16.9M+2% | $16M−6% | $15.1M−9% | $15.1M−13% | $14.9M−12% | $14.2M−12% | $13.8M−9% |
| Pre-tax income | $9.1M−1% | $9.2M−5% | $8.5M+0% | $6.4M | $9.3M+1% | $9.7M+6% | $9.4M+11% | $10.4M+63% | $12.4M+34% | $13.1M+34% | $12.7M+35% | $12.3M+19% |
| $1.6M−3% | $1.7M−8% | $1.5M−8% | $1.1M | $1.7M+7% | $1.6M−7% | $1.8M+22% | $2M+76% | $2.4M+37% | $2.6M+67% | $2.3M+29% | $2.2M+10% | |
| Net income | $7.5M+0% | $7.5M−4% | $7M+2% | $5.3M | $7.5M−0% | $8M+6% | $7.6M+9% | $8.5M+60% | $10M+33% | $10.5M+31% | $10.4M+36% | $10.2M+20% |
| $1.59−15% | $1.59−19% | $1.48−14% | $1.10 | $1.57−1% | $1.66+4% | $1.59+7% | $1.76+60% | $2.09+33% | $2.18+31% | $2.16+36% | $2.12+21% | |
| 4.7M+19% | 4.7M+19% | 4.7M+19% | 4.8M+15% | 4.8M+1% | 4.8M+1% | 4.8M+1% | 4.8M+0% | 4.8M+0% | 4.8M−0% | 4.8M+0% | 4.8M+0% |
EPS, diluted: 5 periods, Q4 FY11 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: Q1 FY11: not printed by the filing, worked out from its own lines. 15 periods, Q4 FY11 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Banks - Regional nearest Citizens Financial Services' size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| CZFSCitizens Financial Services | $406.8M | 9.9× | 10.4× | n/m | +12% | 34.8% | |
| CHMGChemung Financial | $404.4M | 12.0× | 10.4× | n/m | +40% | 27.9% | |
| PCBPCB Bancorp | $402.2M | 9.9× | 9.5× | n/m | +12% | 34.7% | |
| PKBKParke Bancorp | $390.7M | 8.7× | 8.1× | n/m | +32% | 50.5% | |
| MVBFMVB Financial | $389M | 10.1× | 12.3× | n/m | +28% | 20.6% | |
| ISTRInvestar | $386.3M | 11.7× | 13.3× | n/m | +37% | 27.3% | |
| CBANColony Bankcorp | $432.1M | 12.3× | 12.2× | n/m | +24% | 21.6% | |
| NECBNorthEast Community Bancorp | $382.3M | 8.9× | 6.6× | n/m | −1% | 40.9% | |
| NWFLNorwood Financial | $379.1M | 12.0× | 14.0× | n/m | n/m | n/m | |
| FRSTPrimis Financial | $378.9M | 7.1× | 13.6× | n/m | +25% | 23.8% | |
| CBKCommercial Bancgroup | $441.5M | 10.9× | 11.2× | n/m | +5% | 42.1% | |
| Peer median | $389.9M | 10.5× | 11.7× | n/a | +25% | 27.9% |
More on Citizens Financial Services
Each number over time
Its groups
About
- Industry
- Banks - Regional
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .