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CZFS (Citizens Financial Services) Cyclically Adjusted Price-to-FCF : 9.82 (As of Jan. 19, 2025)


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What is Citizens Financial Services Cyclically Adjusted Price-to-FCF?

As of today (2025-01-19), Citizens Financial Services's current share price is $62.36. Citizens Financial Services's Cyclically Adjusted FCF per Share for the quarter that ended in Sep. 2024 was $6.35. Citizens Financial Services's Cyclically Adjusted Price-to-FCF for today is 9.82.

The historical rank and industry rank for Citizens Financial Services's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

CZFS' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 6.2   Med: 12.11   Max: 14.89
Current: 9.82

During the past years, Citizens Financial Services's highest Cyclically Adjusted Price-to-FCF was 14.89. The lowest was 6.20. And the median was 12.11.

CZFS's Cyclically Adjusted Price-to-FCF is ranked worse than
55.25% of 847 companies
in the Banks industry
Industry Median: 8.63 vs CZFS: 9.82

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Citizens Financial Services's adjusted free cash flow per share data for the three months ended in Sep. 2024 was $1.178. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $6.35 for the trailing ten years ended in Sep. 2024.

Shiller PE for Stocks: The True Measure of Stock Valuation


Citizens Financial Services Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Citizens Financial Services's Cyclically Adjusted Price-to-FCF can be seen below:

* 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.

* Premium members only.

Citizens Financial Services Cyclically Adjusted Price-to-FCF Chart

Citizens Financial Services Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.33 11.46 10.79 12.39 10.46

Citizens Financial Services Quarterly Data
Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.91 10.46 7.63 7.06 9.25

Competitive Comparison of Citizens Financial Services's Cyclically Adjusted Price-to-FCF

For the Banks - Regional subindustry, Citizens Financial Services's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Services's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Citizens Financial Services's Cyclically Adjusted Price-to-FCF falls into.



Citizens Financial Services Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Citizens Financial Services's Cyclically Adjusted Price-to-FCF for today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=62.36/6.35
=9.82

* 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's Cyclically Adjusted FCF per Share for the quarter that ended in Sep. 2024 is calculated as:

For example, Citizens Financial Services's adjusted Free Cash Flow per Share data for the three months ended in Sep. 2024 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=1.178/133.0289*133.0289
=1.178

Current CPI (Sep. 2024) = 133.0289.

Citizens Financial Services Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 1.195 99.070 1.605
201503 0.782 99.621 1.044
201506 0.653 100.684 0.863
201509 0.974 100.392 1.291
201512 1.062 99.792 1.416
201603 0.583 100.470 0.772
201606 0.969 101.688 1.268
201609 1.176 101.861 1.536
201612 1.426 101.863 1.862
201703 1.661 102.862 2.148
201706 0.928 103.349 1.195
201709 0.767 104.136 0.980
201712 0.806 104.011 1.031
201803 1.685 105.290 2.129
201806 0.862 106.317 1.079
201809 1.402 106.507 1.751
201812 1.685 105.998 2.115
201903 1.255 107.251 1.557
201906 1.484 108.070 1.827
201909 1.472 108.329 1.808
201912 1.532 108.420 1.880
202003 1.143 108.902 1.396
202006 -2.622 108.767 -3.207
202009 0.770 109.815 0.933
202012 3.432 109.897 4.154
202103 3.240 111.754 3.857
202106 1.888 114.631 2.191
202109 2.571 115.734 2.955
202112 1.539 117.630 1.740
202203 2.949 121.301 3.234
202206 0.540 125.017 0.575
202209 2.227 125.227 2.366
202212 2.081 125.222 2.211
202303 2.547 127.348 2.661
202306 -2.240 128.729 -2.315
202309 1.484 129.860 1.520
202312 3.354 129.419 3.448
202403 2.813 131.776 2.840
202406 0.609 132.554 0.611
202409 1.178 133.029 1.178

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Citizens Financial Services  (NAS:CZFS) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Citizens Financial Services Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of Citizens Financial Services's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


Citizens Financial Services Business Description

Traded in Other Exchanges
N/A
Address
15 South Main Street, Mansfield, PA, USA, 16933
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.
Executives
Stephen J Guillaume officer: SENIOR VICE PRESIDENT POST OFFICE BOX 43, LIBERTY PA 16930
Richards David Z Jr director, officer: EXECUTIVE VICE PRESIDENT 209 TWIGS LANE, STATE COLLEGE PA 16801
Painter John P Ii director 571 HOWLAND HILL ROAD, WESTFIELD PA 16950
Randall E Black officer: Senior Vice President POST OFFICE BOX 19, LIBERTY PA 16930
R Joseph Landy director 741 SOUTH MAIN STREET, ATHENS PA 18810
Robert Joseph Marino director 407 33RD STREET S, BRIGANTINE NJ 08203
Rinaldo A Depaola director 50 REEL STREET, SAYRE PA 18840
John D Behm other: Subsidiary Director 2114 BLUE STEM DRIVE, NEW HOPE PA 18938-2311
Leeann Gephart officer: EXECUTIVE VICE PRESIDENT 2260 HEIM HILL ROAD, MONTOURSVILLE PA 17754
Thomas E. Freeman director 831 KELLYTOWN ROAD, MANSFIELD PA 16933
Janie M Hilifger director 830 CANADA ROAD, COVINGTON PA 16917
Graham Roger C Jr director 1281 BRAGUE ROAD, CANTON PA 17724
Christopher W Kunes director 3896 PENNS VALLEY ROAD, SPRING MILLS PA 16875
Dwight D Rohrer officer: SENIOR VICE PRESIDENT 2385 JUNCTION ROAD, MANHEIM PA 17545
Marina K Smalanskas officer: SENIOR VICE PRESIDENT 1445 ROCKY WAY, MECHANICSBURG PA 17055