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Citizens Financial Services price to book ratio CZFS

Market value divided by the book value of the company's net assets, since 2011.

Today, Oct 23, 2026
1.2×
10-year median
1.2×
Against its 10-year history
47th
percentile: 0 is its lowest day, 100 its highest
10-year range
0.7× to 1.8×
Peer median
1.1×

Citizens Financial Services' price to book ratio is 1.2× as of Oct 23, 2026.

That is below its ten-year median of 1.2×, close to the middle of its last ten years.

Over that time it ranged from 0.7× in Jun 2024 to 1.8× in Feb 2023.

The median for 10 regional banks of a similar size is 1.1×.

Price to book ratio over time

The dashed line is the 10-year median and the shaded band the middle half of its days.

Open the interactive chart, with overlays and comparisons

Year by year

YearEnd of yearLowHigh
2026 so far1.2×0.8×1.2×
20250.9×0.8×1.0×
20241.0×0.7×1.1×
20231.1×0.8×1.8×
20221.5×1.1×1.6×
20211.1×1.1×1.2×
20201.1×0.9×1.5×
20191.3×1.3×1.5×
20181.4×1.4×1.7×
20171.6×1.2×1.6×
20161.2×1.1×1.4×
20151.4×1.2×1.6×
20141.6×1.4×1.7×
20131.6×1.1×1.6×
20121.1×1.0×1.4×
20111.0×1.0×1.3×

Against its peers

Companies in Banks - Regional nearest Citizens Financial Services' size, closest first, today.

CompanyPrice to book ratio
CZFSCitizens Financial Services1.2×
CHMGChemung Financial1.5×
PCBPCB Bancorp1.0×
PKBKParke Bancorp1.1×
MVBFMVB Financial1.1×
ISTRInvestar0.9×
CBANColony Bankcorp1.1×
NECBNorthEast Community Bancorp1.1×
NWFLNorwood Financial1.3×
FRSTPrimis Financial0.9×
CBKCommercial Bancgroup1.5×
Peer median1.1×

What the price to book ratio tells you

Market value divided by the accounting value of the company's net assets. Below 1 means the market values the business at less than what it owns on paper.

Book value misses brands, software and people, so asset-light companies always look expensive on it. Most useful for banks and industrials.

More on Citizens Financial Services

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.