CZFS (Citizens Financial Services) Valuation Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Valuation Rank?

The Valuation Rank measures the current valuation of a business relative to other companies in the same industry and its own historical valuation. The companies are split in equal numbers and then ranked from 1 to 10, with 10 as the most undervalued and 1 as the most overvalued.

  1. Three factors:
    • Absolute valuation (medpsvalue) relative to current stock price, rank among all companies
    • Historical valuation over the past 10 years. Rank pe, ps, pocf, ev2ebit over their own historical values
    • Industry relative valuation
  2. Companies without enough data is not ranked
  3. Companies with negative earnings are ranked lower

These three factors are used to calculate the value score for every eligible company, with values from 1 to 10. The final ranked companies are split in equal numbers and ranked from 1 to 10, with 10 as the most undervalued, and 1 as the most overvalued. The numbers of companies in each rank are the same.

Citizens Financial Services Valuation Rank Related Terms

CZFS
66GF Score
Citizens Financial Services Inc CZFS
Valuation Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Valuation Rank:
  • 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

Valuation Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$80.87
Price
$63.15
GF Value