Citizens Financial Services Inc (CZFS) — Titan Protect Analysis

CZFS

Citizens Financial Services Inc

Financial · ·

$65.37

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$303M

Total market value of the company

Trailing P/E

7.69

Very cheap relative to earnings

Forward P/E

7.58

Based on estimated future earnings — lower means cheaper

Rev Growth

+13.6%

Year-over-year revenue change

Profit Margin

34.7%

How much profit the company keeps from each dollar of revenue

ROE

12.1%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$71.00

+9% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 1 analysts covering this stock

About Citizens Financial Services Inc

Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial s

https://www.firstcitizensbank.com

Country: United States Employees: 386 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.710

Good returns relative to risk taken

Kelly Fraction

0.0511

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.938

Acceptable balance between returns and drawdown risk

Annual Return

25.2%

Historical annualised return based on price data

Max Drawdown

-26.9%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

328

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.40

Very low correlation to market moves

52W High

$69.58

6% below the year high

52W Low

$49.99

31% above the year low

Avg Volume

7,785

Average daily shares traded — higher means easier to buy and sell

Short Ratio

6.7

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

311.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$8.19

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

45.7%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$113M

Total revenue over the last 12 months

Net Income

$39M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$71.00

Target Median

$71.00

Target Low

$71.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

Before you go