Citizens Financial ServicesCZFS.OValuation Analysis
Based on the blended 10-year P/E and P/B percentiles, the stock currently sits in the “Fair Value Range” zone.
As of Oct 16, 2026, Citizens Financial Services (CZFS.O) trades at a P/E of 9.37x, P/B of 1.10x, P/S of 3.26x, and a dividend yield of 1.90%.
Longitudinal percentile comparison: P/E sits at the 31st percentile over the trailing 10Y window (vs. 44th percentile over 3Y); P/B sits at the 65th percentile over the trailing 10Y window (vs. 88th percentile over 3Y); P/S sits at the 66th percentile over the trailing 10Y window (vs. 89th percentile over 3Y).
Cross-sectional valuation: its P/E ranks at the 16th percentile within its industry and the 16th percentile across the broader market.
Shareholder return highlight: Total Shareholder Yield is 2.04%, ranking at the 18th percentile over the trailing 20Y window.
Notably, P/E and P/B aren't telling quite the same story, 34.0 points apart — worth checking the full percentile matrix on this page for the complete picture. Its P/E percentile is roughly the same whether measured against the industry or the broader market. Shareholder returns here are driven almost entirely by cash dividends, with minimal contribution from buybacks. Citizens Financial Services operates in the Finance, Insurance, And Real Estate sector. Data refreshes weekly and is for reference only, not investment advice.
Also listed as: NASDAQ: CZFS · CZFS
Want the full picture on whether Citizens Financial Services (CZFS.O) is under- or over-valued? See the full 3Y / 5Y / 10Y / 20Y P/E, P/B, P/S, Dividend Yield & Total Shareholder Yield percentile matrix and the interactive ECharts trend chart on this page.
Historical Percentiles by Metric
| Metric | Current | Market Percentile | Industry Percentile | 3Y Pctl | 5Y Pctl | 10Y Pctl | 20Y Pctl |
|---|---|---|---|---|---|---|---|
| P/E (TTM) | 9.37 | ||||||
| P/B (MRQ) | 1.10 | ||||||
| P/S (TTM) | 3.26 | ||||||
| Dividend Yield | 1.90% | ||||||
| Buyback + Div Yield | 2.04% |