CZFS Citizens Financial Services PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CZFS
- PE Ratio
As of Jun 30, 2025, the Citizens Financial Services stock's PE ratio is 9.82. This results from the current EPS of $5.98 and stock price of $58.72. The P/E ratio has an increase of 2.5% from the past four quarters average of 9.6.
CZFS PE ratio history
The PE ratio of Citizens Financial Services has averaged 11.41 over the last three years. The current PE ratio of 9.82 is 14% below the historical average. Over the past three years, CZFS's PE ratio was at its highest in the Jun 2023 quarter at 16.39, when the stock price was $73.73 and the EPS was $4.5. The lowest value was in the Jun 2024 quarter, when it reached 7.72 with a price of $44.94 and an EPS of $5.82.
Citizens Financial Services PE ratio by year
Maximum annual increase: 51.95% in 2023
Maximum annual decrease: -32.25% in 2024
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2024 | 10.8 | -32.25% | $63.31 | $5.86 |
| 2023 | 15.94 | 51.95% | $64.08 | $4.02 |
| 2022 | 10.49 | N/A | $75.21 | $7.17 |
| 2021 | N/A | N/A | N/A | $7.17 |
| 2020 | N/A | N/A | N/A | $6.33 |
| 2019 | N/A | N/A | N/A | $5.26 |
| 2018 | N/A | N/A | N/A | $4.89 |
| 2017 | N/A | N/A | N/A | $3.53 |
| 2016 | N/A | N/A | N/A | $3.4 |
| 2015 | N/A | N/A | N/A | $3.39 |
| 2014 | N/A | N/A | N/A | $3.91 |
| 2013 | N/A | N/A | N/A | $3.89 |
| 2012 | N/A | N/A | N/A | $4.1 |
| 2011 | N/A | N/A | N/A | $3.66 |
| 2010 | N/A | N/A | N/A | $3.27 |
Citizens Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2025 | 9.71 | -10.09% | $58.05 | $5.98 |
| Dec 2024 | 10.8 | 7.04% | $63.31 | $5.86 |
| Sep 2024 | 10.09 | 30.7% | $58.75 | $5.82 |
| Jun 2024 | 7.72 | -41.2% | $44.94 | $5.82 |
| Mar 2024 | 13.13 | -17.63% | $48.71 | $3.71 |
| Dec 2023 | 15.94 | 42.07% | $64.08 | $4.02 |
| Sep 2023 | 11.22 | -31.54% | $47.45 | $4.23 |
| Jun 2023 | 16.39 | 44.02% | $73.73 | $4.5 |
| Mar 2023 | 11.38 | 8.48% | $81.9 | $7.2 |
| Dec 2022 | 10.49 | 5.75% | $75.21 | $7.17 |
| Sep 2022 | 9.92 | -1.59% | $68.82 | $6.94 |
| Jun 2022 | 10.08 | N/A | $68.62 | $6.81 |
| Mar 2022 | N/A | N/A | N/A | $6.75 |
| Dec 2021 | N/A | N/A | N/A | $7.17 |
| Sep 2021 | N/A | N/A | N/A | $7.23 |
CZFS Price vs fair value
CZFS average PE ratio chart
The current PE ratio of CZFS is below the 3-year average.
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 9.82 is below the average of its peers, which is 11.77.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CZFS Citizens Financial Services, Inc. | 10.24 | $291.34M |
| ZION Zions Bancorporation National Association | 10.5 | $7.93B |
| WAL Western Alliance Bancorporation | 11.05 | $8.95B |
| CMA Comerica Inc | 11.43 | $8.01B |
| RF Regions Financial Corp | 11.62 | $21.73B |
| EWBC East West Bancorp Inc | 12.42 | $14.45B |
| HBAN Huntington Bancshares Inc | 13.11 | $25.03B |
| FITB Fifth Third Bancorp | 13.39 | $28.33B |
| PNC Pnc Financial Services Group Inc | 13.58 | $76.15B |
Frequently asked questions
What is Citizens Financial Services's PE ratio?
As of Jun 30, 2025, CZFS stock has a price to earnings ratio of 9.82.
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 11.53.
What is the highest PE ratio for CZFS?
Over the last three years, the quarterly PE ratio reached a historic high of 16.39 in the Jun 2023 quarter.
How does the current PE ratio for CZFS compare to its historical average?
CZFS's price to earnings ratio is currently 14% below its 3-year historical average.
Why is Citizens Financial Services's PE ratio so low?
CZFS's PE ratio is low because the stock price is relatively cheap compared to the earnings generated by the company.
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 (Jun 30, 2025), Citizens Financial Services's stock price is $58.72. The earnings per share for the trailing twelve months (TTM) ending Mar 2025 is $5.98. Therefore, Citizens Financial Services's P/E ratio for today is 9.82. PE RATIO(9.82) = STOCK PRICE($58.72) / TTM EPS($5.98)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.