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Citizens Financial ServicesCZFS -0.21%66 Equity-to-Asset is 0.11 as of Jun. 2026, which is 10% above its 10-year median of 0.10. 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 1,522 Banks companies, Citizens Financial Services ranks better than 63.86% on this metric.
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Citizens Financial Services Equity-to-Asset Related Terms
Citizens Financial Services Equity-to-Asset Historical Data
* 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Citizens Financial Services's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Citizens Financial Services's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.11 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citizens Financial Services and its competitors. This is 10% above median its historical median of 0.10. Over the past decade, Citizens Financial Services' Equity-to-Asset has ranged from 0.08 to 0.11. According to the industry distribution chart, Citizens Financial Services ranks #550 out of 1522 companies in the Banks industry, placing it in the top 36.1%.
Is Citizens Financial Services' Equity-to-Asset too high?
Citizens Financial Services' current Equity-to-Asset of 0.11 is 10% above median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Citizens Financial Services' value of 0.11 is 10% above this industry median. Based on the distribution chart, Citizens Financial Services ranks #550 out of 1522 companies in the Banks industry, which is above 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' Equity-to-Asset compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #550 out of 1522 companies for Equity-to-Asset. This puts Citizens Financial Services in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Citizens Financial Services' value of 0.11 is 10% above this benchmark. Historically, Citizens Financial Services' own Equity-to-Asset has ranged from 0.08 to 0.11 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.10, Citizens Financial Services has consistently been above 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Equity-to-Asset of 0.11 is 10% above 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Equity-to-Asset is 0.11, which is 10% above median its own 10-year median of 0.10. 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 Equity-to-Asset is 0.11, which is 10% above median its 10-year median of 0.10 and 10% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Equity-to-Asset is 0.11 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:
Equity-to-Asset: 0.11 (10% above median its 10-year median of 0.10)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 10% above the Banks median (#550 of 1522)
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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