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Stock Research: Citizens Financial Services

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Citizens Financial Services

NAQ:CZFS US1746151042
86
  • Value
    100
  • Growth
    13
  • Safety
    Safety
    48
  • Combined
    57
  • Sentiment
    99
  • 360° View
    360° View
    86
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Company Description

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ANALYSIS: With an Obermatt 360° View of 86 (better than 86% compared with alternatives) for 2026, overall professional sentiment and financial characteristics for the stock Citizens Financial Services are very positive. The 360° View is based on consolidating four consolidated indicators, with half the metrics below and half above average for Citizens Financial Services. The consolidated Value Rank has an attractive rank of 100, which means that the share price of Citizens Financial Services is on the lower side compared with the typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is lower than for 100% of alternative stocks in the same industry. The consolidated Sentiment Rank has a good rank of 99, which means that professional investors are more optimistic about the stock than for 99% of alternative investment opportunities. But the consolidated Growth Rank has a low rank of 13, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, invested capital growth, and stock returns. The consolidated Safety Rank has a riskier rank of 48, meaning the company has a riskier financing structure than 52 comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. ...read more

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Strongest Rank Leverage
Weakest Rank Value
Country USA
Industry Regional Banks
Size X-Small
Website firstcitizensbank.com
Index
NASDAQ
Citizens Financial Services stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Metrics Current 2025 2024 2023
Value
100 n/a n/a n/a
Growth
13 n/a n/a n/a
Safety
Safety
48 n/a n/a n/a
Sentiment
99 n/a n/a n/a
360° View
360° View
86 n/a n/a n/a
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Metrics Current 2025 2024 2023
Analyst Opinions
100 n/a n/a n/a
Opinions Change
100 n/a n/a n/a
Pro Holdings
n/a n/a n/a n/a
Market Pulse
83 n/a n/a n/a
Sentiment
99 n/a n/a n/a
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Metrics Current 2025 2024 2023
Value
100 n/a n/a n/a
Growth
13 n/a n/a n/a
Safety Safety
48 n/a n/a n/a
Combined
57 n/a n/a n/a
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
81 n/a n/a n/a
Price vs. Earnings (P/E)
90 n/a n/a n/a
Price vs. Book (P/B)
85 n/a n/a n/a
Dividend Yield
79 n/a n/a n/a
Value
100 n/a n/a n/a
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Metrics Current 2025 2024 2023
Revenue Growth
59 n/a n/a n/a
Profit Growth
21 n/a n/a n/a
Capital Growth
14 n/a n/a n/a
Stock Returns
32 n/a n/a n/a
Growth
13 n/a n/a n/a
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Metrics Current 2025 2024 2023
Leverage
4 n/a n/a n/a
Refinancing
97 n/a n/a n/a
Liquidity
50 n/a n/a n/a
Safety Safety
48 n/a n/a n/a

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Frequently Asked
Questions

With good value and positive sentiment, but low growth and risky financing, this combination is generally dangerous as debt requires growth to sustain it. Only investors with a strong belief in future growth potential and a high-risk tolerance should consider this stock.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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