CZFS Citizens Financial Services PE ratio, current and historical analysis
As of Feb 25, 2025, the Citizens Financial Services stock's PE ratio is 10.55. This results from the current EPS of $5.82 and stock price of $61.4.
CZFS PE ratio history
The PE ratio of Citizens Financial Services has averaged 12.01 over the last ten years. The current PE ratio of 10.55 is 12% below the historical average. Over the past ten years, CZFS's PE ratio was at its highest in the Dec 2017 quarter at 17.18, when the stock price was $61.15 and the EPS was $3.56. The lowest value was in the Sep 2020 quarter, when it reached 7.31 with a price of $43.13 and an EPS of $5.9.
Citizens Financial Services PE ratio by year
Maximum annual increase: 50.66% in 2023
Maximum annual decrease: -35.86% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2023 | 15.94 | 50.66% | $64.08 | $4.02 |
| 2022 | 10.58 | 27.47% | $75.96 | $7.18 |
| 2021 | 8.3 | -3.26% | $59.49 | $7.17 |
| 2020 | 8.58 | -24.41% | $54.9 | $6.4 |
| 2019 | 11.35 | 2.99% | $60.29 | $5.31 |
| 2018 | 11.02 | -35.86% | $54.46 | $4.94 |
| 2017 | 17.18 | 14.53% | $61.15 | $3.56 |
| 2016 | 15 | 8.15% | $51.44 | $3.43 |
| 2015 | 13.87 | 5.24% | $47.56 | $3.43 |
| 2014 | 13.18 | -0.15% | $52.07 | $3.95 |
| 2013 | 13.2 | 38.8% | $51.89 | $3.93 |
| 2012 | 9.51 | 12.54% | $39.35 | $4.14 |
| 2011 | 8.45 | -16.83% | $31.26 | $3.7 |
| 2010 | 10.16 | 22.85% | $33.53 | $3.3 |
| 2009 | 8.27 | -5.92% | $23.33 | $2.82 |
Citizens Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Jun 2024 | 7.72 | -41.2% | $44.94 | $5.82 |
| Mar 2024 | 13.13 | -17.63% | $48.71 | $3.71 |
| Dec 2023 | 15.94 | 42.45% | $64.08 | $4.02 |
| Sep 2023 | 11.19 | -31.56% | $47.45 | $4.24 |
| Jun 2023 | 16.35 | 42.55% | $73.73 | $4.51 |
| Mar 2023 | 11.47 | 8.41% | $82.72 | $7.21 |
| Dec 2022 | 10.58 | 5.06% | $75.96 | $7.18 |
| Sep 2022 | 10.07 | -1.37% | $69.51 | $6.9 |
| Jun 2022 | 10.21 | 10.5% | $69.31 | $6.79 |
| Mar 2022 | 9.24 | 11.33% | $62.25 | $6.74 |
| Dec 2021 | 8.3 | -1.07% | $59.49 | $7.17 |
| Sep 2021 | 8.39 | 2.32% | $61.27 | $7.3 |
| Jun 2021 | 8.2 | 1.23% | $61.76 | $7.53 |
| Mar 2021 | 8.1 | -5.59% | $58.48 | $7.22 |
| Dec 2020 | 8.58 | 17.37% | $54.9 | $6.4 |
CZFS average PE ratio chart
The current PE ratio of CZFS is above the 5-year historical average, but it is below the 3 and 10-year averages.
CZFS PE vs peers
CZFS's PE ratio is lower than its peer stocks PNC and FITB. Citizens Financial Services's current PE ratio of 10.55 is below the average of its peers, which is 13.18.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CZFS Citizens Financial Services, Inc. | 10.46 | $289.88M |
| EWBC East West Bancorp Inc | 11.83 | $13.09B |
| RF Regions Financial Corp | 12.15 | $21.35B |
| ZION Zions Bancorporation National Association | 12.39 | $8.04B |
| CMA Comerica Inc | 12.81 | $8.52B |
| HBAN Huntington Bancshares Inc | 13.03 | $23.49B |
| WAL Western Alliance Bancorporation | 13.36 | $9.56B |
| PNC Pnc Financial Services Group Inc | 13.64 | $74.25B |
| FITB Fifth Third Bancorp | 13.69 | $28.8B |
Frequently asked questions
What is Citizens Financial Services's PE ratio?
As of Feb 25, 2025, CZFS stock has a price to earnings ratio of 10.55.
What is the 3-year average PE ratio for Citizens Financial Services (CZFS)?
As an average over the last 3 years, CZFS stock has a PE ratio of 11.59.
What is the 5-year average PE ratio for Citizens Financial Services (CZFS)?
As an average over the last 5 years, CZFS stock has a PE ratio of 10.16.
What is the highest PE ratio for CZFS?
Over the last ten years, the quarterly PE ratio reached a historic high of 17.18 in the Dec 2017 quarter.
How does the current PE ratio for CZFS compare to its historical average?
CZFS's price to earnings ratio is currently 12% below its 10-year historical average.
How is CZFS's PE ratio calculated (Citizens Financial Services PE ratio formula)?
The PE ratio is calculated by dividing the most recent price of a stock by its trailing twelve months EPS. As of today (Feb 25, 2025), Citizens Financial Services's stock price is $61.4. The earnings per share for the trailing twelve months (TTM) ending Jun 2024 is $5.82. Therefore, Citizens Financial Services's P/E ratio for today is 10.55. PE RATIO(10.55) = STOCK PRICE($61.4) / TTM EPS($5.82)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified. Data from 
and Sharadar.