What is the intrinsic value of CZFS?
As of 2025-07-03, the Intrinsic Value of Citizens Financial Services Inc (CZFS) is
74.10 USD. This CZFS valuation is based on the model Peter Lynch Fair Value.
With the current market price of 63.09 USD, the upside of Citizens Financial Services Inc is
17.46%.
Is CZFS undervalued or overvalued?
Based on its market price of 63.09 USD and our intrinsic valuation, Citizens Financial Services Inc (CZFS) is undervalued by 17.46%.
74.10 USD
Intrinsic Value
CZFS Intrinsic Value - Valuation Summary
|
Range |
Selected |
Upside |
| a |
| Fair Value |
74.10 - 74.10 |
74.10 |
17.46% |
| P/E |
68.53 - 85.07 |
74.85 |
18.6% |
| DDM - Stable |
39.55 - 73.29 |
56.42 |
-10.6% |
| DDM - Multi |
47.02 - 67.69 |
55.49 |
-12.1% |
CZFS Intrinsic Value - Key Valuation Metrics
| Market Cap (mil) |
300.31 |
| Beta |
1.20 |
| Outstanding shares (mil) |
4.76 |
| Enterprise Value (mil) |
602.34 |
| Market risk premium |
4.60% |
| Cost of Equity |
9.45% |
| Cost of Debt |
5.00% |
| WACC |
8.53% |