Citizens Financial Services, Inc.’s Price-to-Earnings Ratio at a glance
Citizens Financial Services, Inc. reports price-to-earnings ratio of 10.7x for Dec 2024. The prior period recorded 15.8x (Dec 2023). Year over year the metric moved −5.06 (−32.1%). The rolling three-period average stands at 12.3x. Data last refreshed Dec 8, 2025, 11:51 AM.
Latest reading
10.7x · Dec 2024
YoY movement
−5.06 (−32.1%)
Rolling average
12.3x
Current Price-to-Earnings Ratio
10.7x
−5.06
−32.1%
Rolling average
12.3x
Latest Value
10.7x
Dec 2024
YoY Change
−5.06
Absolute
YoY Change %
−32.1%
Rate of change
3-Period Avg
12.3x
Smoothed
Narrative signal
Citizens Financial Services, Inc.’s price-to-earnings ratio stands at 10.7x for Dec 2024. Year-over-year, the metric shifted by −5.06, translating into a −32.1% rate of change versus the prior period.
Pair this momentum with product cadence, pricing power, and capital allocation moves to understand durability.
Blend with balance sheet, cash flow, and peer benchmarks from AlphaPilot’s broader dashboards to shape an investable thesis.
How price-to-earnings ratio shapes Citizens Financial Services, Inc.'s story
As of Dec 2024, Citizens Financial Services, Inc. reports price-to-earnings ratio of 10.7x. Analyze price-to-earnings history, valuation swings, and relative multiples to benchmark market expectations.
Why the P/E ratio matters
The price-to-earnings multiple reveals how much investors are willing to pay for each dollar of net income. Elevated P/E levels suggest strong growth expectations or limited earnings.
Tracking valuation cycles
Monitoring multi-year P/E trends highlights how macro cycles, product launches, or profitability changes impact valuation over time.
Valuation Multiples
Compare how the market prices revenue, equity, and operating cash flow versus peers and history.
Profitability & Margins
Understand cost structure and capital efficiency trends across gross, operating, and net results.
Gross Margin
58.2%
Operating Margin
20%
Net Profit Margin
16.5%
Return on Equity
9.3%
Return on Assets
0.92%
Growth Momentum
Track whether top-line, earnings, and free cash flow growth are accelerating or cooling.
Balance Sheet Strength
Evaluate leverage, liquidity, and cash generation capacity that underpin resilience.
Shareholder Returns
Follow dividend sustainability and cash generation relative to market value.
Citizens Financial Services, Inc. (CZFS) FAQs
Answers tailored to Citizens Financial Services, Inc.’s price-to-earnings ratio profile using the latest Financial Modeling Prep data.
What is Citizens Financial Services, Inc.'s current price-to-earnings ratio?
As of Dec 2024, Citizens Financial Services, Inc. reports price-to-earnings ratio of 10.7x. This reading reflects the latest filings and price data for CZFS.
How is Citizens Financial Services, Inc.'s price-to-earnings ratio trending year over year?
Year-over-year, the figure shifts by −5.06 (−32.1%). Pair this context with revenue growth and free cash flow signals to gauge momentum for CZFS.
Why does price-to-earnings ratio matter for Citizens Financial Services, Inc.?
The P/E ratio compares a company’s share price with its per-share earnings to gauge valuation. For Citizens Financial Services, Inc., operating within Financial Services — Banks - Regional, tracking this metric helps benchmark management's execution against close competitors.
Is Citizens Financial Services, Inc.'s price-to-earnings ratio above its recent average?
Citizens Financial Services, Inc.'s rolling three-period average sits at 12.3x. Comparing the latest reading of 10.7x to that baseline highlights whether momentum is building or fading for CZFS.
How frequently is Citizens Financial Services, Inc.'s price-to-earnings ratio refreshed?
Data for CZFS was last refreshed on Dec 8, 2025, 11:51 AM and updates automatically every 24 hours, keeping your valuation inputs current.