Citizens Financial Services Stock Buy Hold or Sell Recommendation
| CZFS Stock | USD 70.95 0.34 0.48% |
Given the investment horizon of 90 days and your bold attitude towards risk, our recommendation regarding Citizens Financial Services is 'Sell'. A buy or sell recommendation is an automated directive regarding whether to purchase or sell Citizens Financial Services given historical horizon and risk tolerance. When we issue a 'buy' or 'sell' recommendation for Citizens Financial Services, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out Citizens Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as Citizens and provide practical buy, sell, or hold advice based on investors' constraints. Citizens Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
Citizens |
Execute Citizens Financial Buy or Sell Advice
The Citizens recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Citizens Financial Services. Macroaxis does not own or have any residual interests in Citizens Financial Services or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Citizens Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Sell
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Citizens Financial Trading Alerts and Improvement Suggestions
| Citizens Financial appears to be risky and price may revert if volatility continues | |
| Latest headline from MacroaxisInsider: Acquisition by Stephen Guillaume of tradable shares of Citizens Financial at 67.0795 subject to Rule 16b-3 |
Citizens Financial Returns Distribution Density
The distribution of Citizens Financial's historical returns is an attempt to chart the uncertainty of Citizens Financial's future price movements. The chart of the probability distribution of Citizens Financial daily returns describes the distribution of returns around its average expected value. We use Citizens Financial Services price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Citizens Financial returns is essential to provide solid investment advice for Citizens Financial.
| Mean Return | 0.42 | Value At Risk | -5.53 | Potential Upside | 5.28 | Standard Deviation | 3.98 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Citizens Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Citizens Stock Institutional Investors
The Citizens Financial's institutional investors refer to entities that pool money to purchase Citizens Financial's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Goldman Sachs Group Inc | 2024-09-30 | 10.9 K | Weatherly Asset Management Lp | 2024-06-30 | 9.8 K | Amvescap Plc. | 2024-09-30 | 9.2 K | American Century Companies Inc | 2024-09-30 | 9 K | Citadel Advisors Llc | 2024-09-30 | 8.9 K | Nuveen Asset Management, Llc | 2024-09-30 | 8.1 K | Minerva Advisors Llc | 2024-09-30 | 7.8 K | Jpmorgan Chase & Co | 2024-09-30 | 7.3 K | Wsfs Capital Management, Llc | 2024-09-30 | 6.5 K | Blackrock Inc | 2024-06-30 | 305.6 K | Vanguard Group Inc | 2024-09-30 | 238.6 K |
Citizens Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 1.7M | 50.2M | 104.1M | (146.6M) | 26.6M | 27.9M | |
| Free Cash Flow | 21.3M | 10.9M | 37.6M | 31.6M | 23.9M | 12.4M | |
| Depreciation | 498K | (2.8M) | 1.1M | 1.0M | 1.5M | 1.6M | |
| Other Non Cash Items | 1.2M | (10.2M) | 6.7M | 4.4M | 4.9M | 5.2M | |
| Dividends Paid | 6.3M | 6.5M | 7.4M | 7.6M | 8.5M | 8.9M | |
| Capital Expenditures | 483K | 942K | 1.1M | 1.6M | 2.6M | 2.7M | |
| Net Income | 19.5M | 25.1M | 29.1M | 29.1M | 17.8M | 11.4M | |
| End Period Cash Flow | 18.5M | 68.7M | 172.8M | 26.2M | 52.8M | 55.5M | |
| Investments | (34.1M) | (113.1M) | (157.3M) | (363.1M) | 59.5M | 62.4M | |
| Change Receivables | (103K) | (857K) | 764K | (2.1M) | (1.9M) | (1.8M) | |
| Net Borrowings | (6.1M) | (11.3M) | (14.9M) | 183.3M | 210.8M | 221.3M | |
| Change To Netincome | 1.7M | (10.3M) | 10.9M | 4.5M | 5.2M | 5.5M |
Citizens Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Citizens Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Citizens Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Citizens stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.07 | |
β | Beta against Dow Jones | 3.00 | |
σ | Overall volatility | 3.83 | |
Ir | Information ratio | 0.08 |
Citizens Financial Volatility Alert
Citizens Financial Services shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Citizens Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Citizens Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Citizens Financial Fundamentals Vs Peers
Comparing Citizens Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Citizens Financial's direct or indirect competition across all of the common fundamentals between Citizens Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Citizens Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Citizens Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Citizens Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Citizens Financial to competition |
| Fundamentals | Citizens Financial | Peer Average |
| Return On Equity | 0.0975 | -0.31 |
| Return On Asset | 0.0092 | -0.14 |
| Profit Margin | 0.28 % | (1.27) % |
| Operating Margin | 0.40 % | (5.51) % |
| Current Valuation | 524.62 M | 16.62 B |
| Shares Outstanding | 4.76 M | 571.82 M |
| Shares Owned By Insiders | 6.32 % | 10.09 % |
| Shares Owned By Institutions | 25.45 % | 39.21 % |
| Number Of Shares Shorted | 28.95 K | 4.71 M |
| Price To Earning | 9.76 X | 28.72 X |
| Price To Book | 1.13 X | 9.51 X |
| Price To Sales | 3.44 X | 11.42 X |
| Revenue | 86.34 M | 9.43 B |
| Gross Profit | 80.08 M | 27.38 B |
| EBITDA | 23.04 M | 3.9 B |
| Net Income | 17.81 M | 570.98 M |
| Cash And Equivalents | 46.88 M | 2.7 B |
| Cash Per Share | 11.80 X | 5.01 X |
| Total Debt | 322.04 M | 5.32 B |
| Debt To Equity | 9.85 % | 48.70 % |
| Book Value Per Share | 62.75 X | 1.93 K |
| Cash Flow From Operations | 26.54 M | 971.22 M |
| Short Ratio | 1.50 X | 4.00 X |
| Earnings Per Share | 5.81 X | 3.12 X |
| Target Price | 60.0 | |
| Number Of Employees | 393 | 18.84 K |
| Beta | 0.49 | -0.15 |
| Market Capitalization | 337.7 M | 19.03 B |
| Total Asset | 2.98 B | 29.47 B |
| Retained Earnings | 172.97 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 3.04 % | |
| Net Asset | 2.98 B |
Note: Acquisition by Stephen Guillaume of tradable shares of Citizens Financial at 67.0795 subject to Rule 16b-3 [view details]
Citizens Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Citizens . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Citizens Financial Buy or Sell Advice
When is the right time to buy or sell Citizens Financial Services? Buying financial instruments such as Citizens Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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In addition to having Citizens Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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Additional Tools for Citizens Stock Analysis
When running Citizens Financial's price analysis, check to measure Citizens Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Citizens Financial is operating at the current time. Most of Citizens Financial's value examination focuses on studying past and present price action to predict the probability of Citizens Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Citizens Financial's price. Additionally, you may evaluate how the addition of Citizens Financial to your portfolios can decrease your overall portfolio volatility.