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Citizens Financial ServicesCZFS -0.21%66 OCF Yield % is 9.65 as of Aug. 29, 2026, which is 9% below its 10-year median of 10.56. 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 1,491 Banks companies, Citizens Financial Services ranks better than 51.91% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Citizens Financial Services OCF Yield % Related Terms
Citizens Financial Services OCF Yield % 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.
For the Banks - Regional subindustry, Citizens Financial Services's OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's OCF 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 OCF Yield % of 9.65 as of Aug. 29, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Financial Services and its competitors. This is near median its historical median of 10.56. Over the past decade, Citizens Financial Services' OCF Yield % has ranged from 1.83 to 20.86. According to the industry distribution chart, Citizens Financial Services ranks #717 out of 1491 companies in the Banks industry, placing it in the top 48.1%.
Is Citizens Financial Services' OCF Yield % too high?
Citizens Financial Services' current OCF Yield % of 9.65 is near median its 10-year median of 10.56. Over the past 10 years, this metric has ranged from a low of 1.83 to a high of 20.86. The Banks industry median OCF Yield % is 9.28. Citizens Financial Services' value of 9.65 is 4% above this industry median. Based on the distribution chart, Citizens Financial Services ranks #717 out of 1491 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' OCF Yield % compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #717 out of 1491 companies for OCF Yield %. This puts Citizens Financial Services in the upper half of its industry. The industry median OCF Yield % is 9.28. Citizens Financial Services' value of 9.65 is 4% above this benchmark. Historically, Citizens Financial Services' own OCF Yield % has ranged from 1.83 to 20.86 over the past decade. While the company's 10-year median is 10.56 vs. the industry median of 9.28, 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.28, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current OCF Yield % of 9.65 is 4% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median OCF Yield % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current OCF Yield % is 9.65, which is near median its own 10-year median of 10.56. 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 OCF Yield % is 9.65, which is near median its 10-year median of 10.56 and 4% above the Banks industry median of 9.28. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current OCF Yield % is 9.65 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:
OCF Yield %: 9.65 (near median its 10-year median of 10.56)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 4% above the Banks median (#717 of 1491)
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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