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Citizens Financial Services, Inc. (CZFS)

Financial Services | Banks - Regional

Today's Price

$80.01

Today's Fair Value

$69.54 -13.09%

Margin of Safety

-15.06%

Projected Value (5Y)

$112.00 +39.98%

Dividends Paid (5Y)

$10.73

Scenario

Valuation Metric

Years To Project

Book Value Growth Rate

Regression: 11.66% | CAGR (5y): 11.56%

Diluted Shares Growth Rate

Regression: 3.11% | CAGR (5y): 3.91%

Dividend Growth Rate

Regression: 2.59% | CAGR (5y): 2.33%

Exit Price Multiple

Capped at 13.67x (Historical 5y: 0.99x)

Discount Rate