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Citizens Financial ServicesCZFS -0.21%66 Buyback Yield % is 0.14 as of Aug. 29, 2026, which is 76% below its 10-year median of 0.59. GuruFocus rates CZFS with a GF Score™ of 66/100 and a GF Value™ of $63.15 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 570 Banks companies, Citizens Financial Services ranks worse than 62.46% on this metric.
Buyback yield is the net repurchase of shares outstanding over the market capital of the company. It is a measure of shareholder return.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CZFS vs NWFL, WSBF, AVBH: Buyback Yield % Comparison
For the Banks - Regional subindustry, Citizens Financial Services's Buyback Yield %, along with its competitors' market caps and Buyback Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Financial Services Buyback Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's Buyback Yield % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's Buyback Yield % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens Financial Services (CZFS) has a Buyback Yield % of 0.14 as of Aug. 29, 2026. Share buyback yield equals the net issuance of stock divided by market cap. View historical data on Citizens Financial Services and its competitors. This is 76% below median its historical median of 0.59. Over the past decade, Citizens Financial Services' Buyback Yield % has ranged from 0.02 to 1.83. According to the industry distribution chart, Citizens Financial Services ranks #356 out of 570 companies in the Banks industry, placing it in the top 62.5%.
Is Citizens Financial Services' Buyback Yield % too high?
Citizens Financial Services' current Buyback Yield % of 0.14 is 76% below median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 1.83. The Banks industry median Buyback Yield % is 0.49. Citizens Financial Services' value of 0.14 is 71.4% below this industry median. Based on the distribution chart, Citizens Financial Services ranks #356 out of 570 companies in the Banks industry, which is below the industry midpoint. Overall, Citizens Financial Services has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Financial Services' Buyback Yield % compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #356 out of 570 companies for Buyback Yield %. This places Citizens Financial Services in the lower half of its industry. The industry median Buyback Yield % is 0.49. Citizens Financial Services' value of 0.14 is 71.4% below this benchmark. Historically, Citizens Financial Services' own Buyback Yield % has ranged from 0.02 to 1.83 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 0.49, Citizens Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Buyback Yield % for a Banks company?
The median Buyback Yield % among Banks companies is 0.49, based on 570 companies in the industry. Companies in the top quartile (top 25%) have a Buyback Yield % significantly above this median, while those in the bottom quartile fall well below. However, Buyback Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Buyback Yield % of 0.14 is 71.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Buyback Yield % mean?
A high Buyback Yield % can signal that a stock is expensive relative to its fundamentals. Share buyback yield equals the net issuance of stock divided by market cap. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Buyback Yield % is 0.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Buyback Yield % is 0.14, which is 76% below median its own 10-year median of 0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Citizens Financial Services (CZFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.15, compared to a current price of $80.87 — trading 28.1% above its estimated fair value. The current Buyback Yield % is 0.14, which is 76% below median its 10-year median of 0.59 and 71.4% below the Banks industry median of 0.49. Citizens Financial Services' overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Buyback Yield % calculated?
Buyback Yield % is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Buyback Yield % is 0.14 as of Aug. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens Financial Services (CZFS) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Financial Services stock appears to be overvalued.
The current stock price of $80.87 is trading 28.1% above its estimated GF Value™ of $63.15.
GuruFocus considers Citizens Financial Services to be Modestly Overvalued.
Key valuation signals for CZFS:
Buyback Yield %: 0.14 (76% below median its 10-year median of 0.59)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 71.4% below the Banks median (#356 of 570)
No single metric tells the full story. See the CZFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Financial Services Inc is a Pennsylvania-chartered bank and trust company. The company through its banking subsidiary provides banking activities and services for individual, business, governmental and institutional customers. Its activities and services principally include checking, savings, and time deposit accounts; residential, commercial and agricultural real estate, commercial and industrial, state and political subdivision and consumer loans; and a variety of other specialized financial services. The Trust and Investment division of the Bank offers a full range of client investment, estate, mineral management, and retirement services.
66GF Score
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