CZFS (Citizens Financial Services) Cyclically Adjusted Revenue per Share: $21.76 (As of Jun. 2026)

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CZFS Citizens Financial Services Inc CZFS
66 GF Score
Price $80.87
GF Value $63.15
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Citizens Financial Services Cyclically Adjusted Revenue per Share?

Citizens Financial Services CZFS -0.21% 66 Cyclically Adjusted Revenue per Share is $21.76 as of Jun. 2026. 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Citizens Financial Services's adjusted revenue per share for the three months ended in Jun. 2026 was $6.187. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $21.76 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Citizens Financial Services's average Cyclically Adjusted Revenue Growth Rate was 8.00% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 7.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 8.50% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 8.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Citizens Financial Services was 10.00% per year. The lowest was 4.90% per year. And the median was 7.50% per year.

As of today (2026-08-29), Citizens Financial Services's current stock price is $80.87. Citizens Financial Services's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 was $21.76. Citizens Financial Services's Cyclically Adjusted PS Ratio of today is 3.72.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Citizens Financial Services was 5.34. The lowest was 2.10. And the median was 4.07.


Citizens Financial Services  (NAS:CZFS) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Citizens Financial Services's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=80.87/21.76
=3.72

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Citizens Financial Services was 5.34. The lowest was 2.10. And the median was 4.07.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Citizens Financial Services Cyclically Adjusted Revenue per Share Related Terms


Citizens Financial Services Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Citizens Financial Services's Cyclically Adjusted Revenue per Share 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.

Citizens Financial Services Cyclically Adjusted Revenue per Share Chart

Citizens Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.30 16.91 18.13 19.32 20.70

Citizens Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue per Share 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 20.14 20.51 20.70 21.31 21.76

CZFS vs NWFL, WSBF, AVBH: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Citizens Financial Services's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Citizens Financial Services's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Citizens Financial Services's Cyclically Adjusted PS Ratio falls into.


CZFS
66GF Score
Citizens Financial Services Inc CZFS
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizens Financial Services Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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.

For example, Citizens Financial Services's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=6.187/333.9520*333.9520
=6.187

Current CPI (Jun. 2026) = 333.9520.

Citizens Financial Services Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 3.060 241.428 4.233
201612 3.165 241.432 4.378
201703 3.194 243.801 4.375
201706 3.261 244.955 4.446
201709 3.323 246.819 4.496
201712 3.726 246.524 5.047
201803 3.539 249.554 4.736
201806 3.614 251.989 4.790
201809 3.670 252.439 4.855
201812 3.778 251.233 5.022
201903 3.723 254.202 4.891
201906 3.835 256.143 5.000
201909 4.036 256.759 5.249
201912 3.992 256.974 5.188
202003 3.961 258.115 5.125
202006 4.449 257.797 5.763
202009 4.855 260.280 6.229
202012 4.975 260.474 6.378
202103 5.028 264.877 6.339
202106 4.601 271.696 5.655
202109 4.727 274.310 5.755
202112 4.721 278.802 5.655
202203 4.554 287.504 5.290
202206 4.894 296.311 5.516
202209 5.269 296.808 5.928
202212 5.254 296.797 5.912
202303 4.957 301.836 5.484
202306 4.807 305.109 5.261
202309 5.437 307.789 5.899
202312 5.269 306.746 5.736
202403 5.177 312.332 5.535
202406 5.131 314.175 5.454
202409 5.227 315.301 5.536
202412 5.454 315.605 5.771
202503 5.507 319.799 5.751
202506 5.690 322.561 5.891
202509 6.043 324.800 6.213
202512 6.166 324.054 6.354
202603 6.210 330.213 6.280
202606 6.187 333.952 6.187

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $21.76 mean?
Citizens Financial Services (CZFS) has a Cyclically Adjusted Revenue per Share of $21.76 as of Jun. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citizens Financial Services and its competitors.
Is Citizens Financial Services' Cyclically Adjusted Revenue per Share too high?
Citizens Financial Services' current Cyclically Adjusted Revenue per Share is $21.76. 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' Cyclically Adjusted Revenue per Share compare to NWFL and WSBF?
Citizens Financial Services' Cyclically Adjusted Revenue per Share of $21.76 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citizens Financial Services and its competitors. Citizens Financial Services's current Cyclically Adjusted Revenue per Share is $21.76. 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 Cyclically Adjusted Revenue per Share is $21.76. 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 Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Cyclically Adjusted Revenue per Share is $21.76 as of Jun. 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:

  • Cyclically Adjusted Revenue per Share: $21.76
  • GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
  • GF Score™: 66/100 with 8 warning signs

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 Business Description

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.
66GF Score

Get the complete analysis for CZFS

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.87
Price
$63.15
GF Value