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Citizens Financial ServicesCZFS -0.21%66 Shiller PE Ratio is 11.98 as of Aug. 29, 2026, which is 3% below its 10-year median of 12.36. 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 1,239 Banks companies, Citizens Financial Services ranks better than 63.36% on this metric.
The historical rank and industry rank for Citizens Financial Services's Shiller PE Ratio or its related term are showing as below:
CZFS'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 6.78 Med: 12.36 Max: 16.89
Current: 11.99
During the past years, Citizens Financial Services's highest Shiller PE Ratio was 16.89. The lowest was 6.78. And the median was 12.36.
CZFS's Shiller PE Ratio is ranked better than 63.36% of 1239
companies
in the Banks industry
Industry Median: 13.73
vs CZFS: 11.99
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.
Citizens Financial Services's adjusted earnings per share data for the three months ended in Jun. 2026 was $2.120. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $6.75 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Citizens Financial Services (NAS:CZFS) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Citizens Financial Services Shiller PE Ratio Related Terms
Citizens Financial Services Shiller PE Ratio 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.
Citizens Financial Services Shiller PE Ratio Chart
CZFS vs NWFL, WSBF, AVBH: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, Citizens Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Financial Services's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Citizens Financial Services's Shiller PE Ratio falls into.
Citizens Financial Services Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
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.
Citizens Financial Services (CZFS) has a Shiller PE Ratio of 11.98 as of Aug. 29, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Citizens Financial Services and its competitors. This is near median its historical median of 12.36. Over the past decade, Citizens Financial Services' Shiller PE Ratio has ranged from 6.78 to 16.89. According to the industry distribution chart, Citizens Financial Services ranks #454 out of 1239 companies in the Banks industry, placing it in the top 36.6%.
Is Citizens Financial Services' Shiller PE Ratio too high?
Citizens Financial Services' current Shiller PE Ratio of 11.98 is near median its 10-year median of 12.36. Over the past 10 years, this metric has ranged from a low of 6.78 to a high of 16.89. The Banks industry median Shiller PE Ratio is 13.73. Citizens Financial Services' value of 11.98 is 12.7% below this industry median. Based on the distribution chart, Citizens Financial Services ranks #454 out of 1239 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' Shiller PE Ratio compare to NWFL and WSBF?
According to the Banks industry distribution chart, Citizens Financial Services ranks #454 out of 1239 companies for Shiller PE Ratio. This puts Citizens Financial Services in the upper half of its industry. The industry median Shiller PE Ratio is 13.73. Citizens Financial Services' value of 11.98 is 12.7% below this benchmark. Historically, Citizens Financial Services' own Shiller PE Ratio has ranged from 6.78 to 16.89 over the past decade. While the company's 10-year median is 12.36 vs. the industry median of 13.73, Citizens Financial Services has consistently been below 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.73, based on 1,239 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Financial Services's current Shiller PE Ratio of 11.98 is 12.7% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Citizens Financial Services and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Financial Services's current Shiller PE Ratio is 11.98, which is near median its own 10-year median of 12.36. 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 Shiller PE Ratio is 11.98, which is near median its 10-year median of 12.36 and 12.7% below the Banks industry median of 13.73. 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 Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Citizens Financial Services (CZFS), the current Shiller PE Ratio is 11.98 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:
Shiller PE Ratio: 11.98 (near median its 10-year median of 12.36)
GF Value™: $63.15 vs. price of $80.87 (28.1% above fair value)
Industry Position: 12.7% below the Banks median (#454 of 1239)
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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