The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-25), Citizens Financial Services's share price is $44.08. Citizens Financial Services's Book Value per Share for the quarter that ended in Dec. 2023 was $59.42. Hence, Citizens Financial Services's PB Ratio of today is 0.74.
Good Sign:
Citizens Financial Services Inc stock PB Ratio (=0.74) is close to 10-year low of 0.71
The historical rank and industry rank for Citizens Financial Services's PB Ratio or its related term are showing as below:
CZFS'
s PB Ratio Range Over the Past 10 Years
Min: 0.71 Med: 1.43 Max: 1.9
Current: 0.74
During the past 13 years, Citizens Financial Services's highest PB Ratio was 1.90. The lowest was 0.71. And the median was 1.43.
CZFS's PB Ratio is ranked better than 63.19% of 1459
companies
in the Banks industry
Industry Median: 0.85
vs CZFS: 0.74
During the past 12 months, Citizens Financial Services's average Book Value Per Share Growth Rate was 19.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Citizens Financial Services was 16.00% per year. The lowest was 3.50% per year. And the median was 7.90% per year.
Back to Basics: PB Ratio
Citizens Financial Services PB Ratio Historical Data
The historical data trend for Citizens Financial Services's PB Ratio 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.
Competitive Comparison of Citizens Financial Services's PB Ratio
For the Banks - Regional subindustry, Citizens Financial Services's PB Ratio, along with its competitors' market caps and PB 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's PB Ratio Distribution in the Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's PB Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's PB Ratio falls into.
Citizens Financial Services PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Citizens Financial Services's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Citizens Financial Services (NAS:CZFS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Citizens Financial Services PB Ratio Related Terms
Thank you for viewing the detailed overview of Citizens Financial Services's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.
Citizens Financial Services (Citizens Financial Services) Business Description
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.
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