CZFS PEER ANALYSIS

Citizens Financial Services Inc. Common Stock — metric-by-metric comparison with peers and the industry median

CZFSCitizens Financial Services Inc. Common Stock

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

CZFSIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	CZFS	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
P/E	8.85	—	15.65	2.96●	9.21	13.42	12.96
P/B	1.01	31,504.34	3.99	0.71●	1.41	1.41	1.29
EV/EBITDA	8.40	418,782.20	-9.21●	2.21	-8.40	14.85	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CZFS	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.06	—	—	—	0.25●	0.12	0.31
Debt/Equity	57.8%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	1.32	-28.33●	-20.34	-0.47	-14.68	5.39	-0.58

Profitability
Metric	CZFS	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Net Margin	22.5%	28.1%	24.7%	54.9%●	20.1%	25.9%	20.6%
ROE	12.1%	20.2%	28.9%●	27.4%	14.9%	10.6%	10.9%
ROA	1.3%	1.8%	1.1%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CZFS	ISBTR	ICBCT	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	38.4%	71.8%●	—	-1.3%	16.0%	16.2%	19.4%
Div. Yield	2.7%	—	—	—	4.8%●	3.2%	2.5%
Payout	24.4%	—	—	—	—	—	31.4%

Valuation
Metric	CZFS	TSBK	FSBW	BRBS	WSBF	CHMG	Ind. Median
P/E	8.85●	11.28	10.18	29.40	11.85	19.72	12.96
P/B	1.01	1.29	1.07	1.27	1.00●	1.37	1.29
EV/EBITDA	8.40	8.52	9.89	21.35	18.12	6.96●	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	CZFS	TSBK	FSBW	BRBS	WSBF	CHMG	Ind. Median
Current Ratio	0.06	179.28●	13.98	—	0.23	—	0.31
Debt/Equity	57.8%	8.5%●	70.9%	62.0%	118.6%	49.0%	38.0%
NetDebt/EBITDA	1.32	-0.03	3.80	1.41	9.39	-6.50●	-0.58

Profitability
Metric	CZFS	TSBK	FSBW	BRBS	WSBF	CHMG	Ind. Median
Net Margin	22.5%	26.7%●	15.0%	8.3%	14.2%	12.8%	20.6%
ROE	12.1%●	11.8%	10.8%	3.9%	8.5%	7.4%	10.9%
ROA	1.3%	1.6%●	1.1%	0.5%	1.3%	0.7%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	CZFS	TSBK	FSBW	BRBS	WSBF	CHMG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	38.4%	19.3%	-4.3%	—	57.1%●	-19.3%	19.4%
Div. Yield	2.7%	2.4%	2.6%	6.4%●	3.0%	1.8%	2.5%
Payout	24.4%	27.8%	30.9%	187.5%	36.3%	35.2%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.