CZFS
Citizens Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CZFS
- PE Ratio
As of Jul 2, 2026, the Citizens Financial Services stock's PE ratio is 8.82. This results from the current EPS of $8.19 and stock price of $72.21. The P/E ratio has an increase of 9% from the past four quarters average of 8.1.
CZFS PE ratio history
The PE ratio of Citizens Financial Services has averaged 10.61 over the last five years. The current PE ratio of 8.82 is 17% below the historical average. Over the past five years, CZFS's PE ratio was at its highest in the Jun 2023 quarter at 16.31, when the stock price was $73.73 and the EPS was $4.52. The lowest value was in the Mar 2026 quarter, when it reached 7.47 with a price of $61.15 and an EPS of $8.19.
Citizens Financial Services PE ratio by year
Maximum annual increase: 53.48% in 2023
Maximum annual decrease: -32.17% in 2024
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 7.48 | -31.5% | $57.02 | $7.62 |
| 2024 | 10.92 | -32.17% | $63.31 | $5.8 |
| 2023 | 16.1 | 53.48% | $64.08 | $3.98 |
| 2022 | 10.49 | N/A | $75.21 | $7.17 |
| 2021 | N/A | N/A | N/A | $7.2 |
| 2020 | N/A | N/A | N/A | $6.3 |
| 2019 | N/A | N/A | N/A | $5.3 |
| 2018 | N/A | N/A | N/A | $4.89 |
| 2017 | N/A | N/A | N/A | $3.53 |
Citizens Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 7.47 | -0.13% | $61.15 | $8.19 |
| Dec 2025 | 7.48 | -11.9% | $57.02 | $7.62 |
| Sep 2025 | 8.49 | -4.82% | $60.28 | $7.1 |
| Jun 2025 | 8.92 | -9.07% | $58.72 | $6.58 |
| Mar 2025 | 9.81 | -10.16% | $58.05 | $5.92 |
| Dec 2024 | 10.92 | 6.85% | $63.31 | $5.8 |
| Sep 2024 | 10.22 | 31.19% | $58.75 | $5.75 |
| Jun 2024 | 7.79 | -41.3% | $44.94 | $5.77 |
| Mar 2024 | 13.27 | -17.58% | $48.71 | $3.67 |
| Dec 2023 | 16.1 | 44.27% | $64.08 | $3.98 |
| Sep 2023 | 11.16 | -31.58% | $47.45 | $4.25 |
| Jun 2023 | 16.31 | 43.83% | $73.73 | $4.52 |
| Mar 2023 | 11.34 | 8.1% | $81.9 | $7.22 |
| Dec 2022 | 10.49 | 5.53% | $75.21 | $7.17 |
| Sep 2022 | 9.94 | -1.49% | $68.82 | $6.92 |
CZFS Price vs fair value
CZFS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of CZFS is below the 3-year average.
PE comparison
With a P/E of 8.82, CZFS is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 13.27, Citizens Financial Services's P/E is 34% lower.
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 8.82 is below the average of its peers, which is 13.23.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CZFS Citizens Financial Services, Inc. | 8.82 | $346.96M |
| WAL Western Alliance Bancorporation | 9.44 | $8.9B |
| ZION Zions Bancorporation National Association | 10.79 | $10.2B |
| RF Regions Financial Corp | 12.46 | $25.84B |
| EWBC East West Bancorp Inc | 12.84 | $17.71B |
| HBAN Huntington Bancshares Inc | 13.53 | $36.2B |
| PNC Pnc Financial Services Group Inc | 14.49 | $100.19B |
| FITB Fifth Third Bancorp | 19.05 | $51.8B |
Frequently asked questions
What is Citizens Financial Services's PE ratio?
As of Jul 2, 2026, CZFS stock has a price to earnings ratio of 8.82.
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 10.15.
What is the highest PE ratio for CZFS?
Over the last five years, the quarterly PE ratio reached a historic high of 16.31 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 17% below its 5-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 (Jul 2, 2026), Citizens Financial Services's stock price is $72.21. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $8.19. Therefore, Citizens Financial Services's P/E ratio for today is 8.82. PE RATIO(8.82) = STOCK PRICE($72.21) / TTM EPS($8.19)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.