Citizens Financial Services, Inc. (CZFS): fair value, margin of safety and Wheel Score

Is CZFS undervalued?

Citizens Financial Services, Inc. (CZFS) closed at 87.30 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 101.59, so the price sits 14% below it. 6 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.

The 9 models disagree widely: Lynch gives 11.32 while 10 Cap gives 195.05. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.

Ranked against every other company we cover, CZFS is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 64, growth score 33, out of 100).

Nine valuation models for CZFS

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Financial health is weak: CZFS passes 4 of the nine Piotroski tests. Our scans drop the stock at the health filter; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 7.8 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.

Returns on capital are moderate - ROIC 5.6%, ROE 10.8%, ROA 1.2% - with debt at 0.92 times equity and a free-cash-flow yield of 9.1%.

The dividend yield is 2.31% at a payout ratio of 22%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Community Banking 100% (quarter Q2 FY2026).

Institutional ownership scores 4/10, insider activity 9/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 26: No options

CZFS has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (26 here). The valuation and quality numbers still apply to owning the shares outright.

Volume runs at 50k shares a day on a market cap of $420M, with a beta of 0.40 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for CZFS in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Citizens Financial Services, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare CZFS with 7 of them   All Financial Services stocks →