Stock fact sheet · data as of
Citizens Financial Services, Inc. (CZFS): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Defensive
Is CZFS undervalued?
Citizens Financial Services, Inc. (CZFS) closed at 79.12 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 99.01, so the price sits 20% 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 10.82 while 10 Cap gives 193.43. 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.
The nightly engine files CZFS under Defensive: a low beta, a dividend and positive earnings.
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 130.04 | +64% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 118.98 | +50% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 92.28 | +17% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 10.82 | -86% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 50.74 | -36% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 193.43 | +144% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 170.05 | +115% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 29.72 | -62% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 95.06 | +20% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -549.22 | -794% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CZFS passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.9 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
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 10.0%.
The dividend yield is 2.55% at a payout ratio of 24%; 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.
| Piotroski F-score | 6 / 9 | ROIC | 5.6% |
|---|---|---|---|
| GLS Moat | 4.9 / 10 | ROE | 10.8% |
| Debt / equity | 0.92 | ROA | 1.2% |
| Free-cash-flow yield | 10.0% | Payout ratio | 24% |
| Institutions | 4 / 10 | Insiders · Congress | 9 · 5 / 10 |
Wheel Score 39: 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; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 21k shares a day on a market cap of $381M, with a beta of 0.39 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 21 / 25 | 20% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 7 / 15 | moat 4.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 21k shares/day, $381M cap, beta 0.39 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Citizens Financial Services, Inc. reports earnings on 29 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PKBK Parke Bancorp, Inc. | 32.39 | 47.17 | +31% | 74Good | $381M |
| NECB Northeast Community Bancorp, Inc. | 27.68 | 79.18 | +65% | 75Good | $381M |
| FNLC The First Bancorp, Inc. | 33.80 | 38.72 | +13% | 68Good | $381M |
| FCBM First Carolina Financial Services | 12.63 | 18.27 | +31% | 39No options | $382M |
| FRST Primis Financial Corp | 15.44 | 55.70 | +72% | 71Good | $383M |
| CHMG Chemung Financial Corporation | 79.60 | 101.86 | +22% | 39No options | $384M |
| MVBF MVB Financial Corp. | 29.07 | 59.41 | +51% | 70Good | $376M |
| PCB PCB Bancorp | 27.60 | 32.30 | +15% | 67Good | $388M |
| MSBC Mission Bancorp | 120.00 | 135.36 | +11% | 39No options | $370M |
| MFGI Merchants Financial Group, Inc. | 45.00 | 37.16 | -21% | 33No options | $368M |
| RVRF River Financial Corp. | 47.00 | 110.43 | +57% | 39No options | $367M |
| ISTR Investar Holding Corporation | 28.69 | 24.19 | -19% | 31No options | $395M |
⚖ Compare CZFS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CZFS
Is CZFS undervalued right now?
By the GLS models, moderately: at 79.12 the stock trades 20% below the average fair value of 99.01 (data as of 16 Oct 2026).
What is the Wheel Score of CZFS and what does it mean?
CZFS has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CZFS?
99.01 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Citizens Financial Services, Inc. report earnings next?
The next earnings report is due on 29 Oct 2026 (before the open), 13 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does CZFS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CZFS, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.