Citizens Financial Services Stock Current Ratio
CZFS Stock | USD 71.99 1.58 2.24% |
Citizens Financial Services fundamentals help investors to digest information that contributes to Citizens Financial's financial success or failures. It also enables traders to predict the movement of Citizens Stock. The fundamental analysis module provides a way to measure Citizens Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Citizens Financial stock.
Last Reported | Projected for Next Year | ||
Current Ratio | 349.99 | 367.49 |
Citizens | Current Ratio |
Citizens Financial Services Company Current Ratio Analysis
Citizens Financial's Current Ratio is calculated by dividing the Current Assets of a company by its Current Liabilities. It measures whether or not a company has enough cash or liquid assets to pay its current liability over the next fiscal year. The ratio is regarded as a test of liquidity for a company.
Current Citizens Financial Current Ratio | 367.49 |
Most of Citizens Financial's fundamental indicators, such as Current Ratio, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Citizens Financial Services is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Citizens Current Ratio Driver Correlations
Understanding the fundamental principles of building solid financial models for Citizens Financial is extremely important. It helps to project a fair market value of Citizens Stock properly, considering its historical fundamentals such as Current Ratio. Since Citizens Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Citizens Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Citizens Financial's interrelated accounts and indicators.
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Citizens Current Ratio Historical Pattern
Today, most investors in Citizens Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Citizens Financial's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's current ratio growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Citizens Financial current ratio as a starting point in their analysis.
Citizens Financial Current Ratio |
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Typically, short-term creditors will prefer a high current ratio because it reduces their overall risk. However, investors may prefer a lower current ratio since they are more concerned about growing the business using assets of the company. Acceptable current ratios may vary from one sector to another, but the generally accepted benchmark is to have current assets at least as twice as current liabilities (i.e., Current Ration of 2 to 1).
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Citizens Price To Sales Ratio
Price To Sales Ratio |
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Citizens Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Citizens Financial from analyzing Citizens Financial's financial statements. These drivers represent accounts that assess Citizens Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Citizens Financial's important valuation drivers and their relationship over time.
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Market Cap | 214.4M | 211.0M | 237.1M | 301.5M | 280.8M | 294.9M | |
Enterprise Value | 266.7M | 217.4M | 127.2M | 526.6M | 550.1M | 577.6M |
Citizens Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Citizens Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Citizens Financial's managers, analysts, and investors.Environmental | Governance | Social |
Citizens Fundamentals
Return On Equity | 0.0975 | |||
Return On Asset | 0.0092 | |||
Profit Margin | 0.28 % | |||
Operating Margin | 0.40 % | |||
Current Valuation | 522.05 M | |||
Shares Outstanding | 4.76 M | |||
Shares Owned By Insiders | 6.32 % | |||
Shares Owned By Institutions | 25.40 % | |||
Number Of Shares Shorted | 28.95 K | |||
Price To Earning | 9.76 X | |||
Price To Book | 1.12 X | |||
Price To Sales | 3.41 X | |||
Revenue | 86.34 M | |||
Gross Profit | 80.08 M | |||
EBITDA | 23.04 M | |||
Net Income | 17.81 M | |||
Cash And Equivalents | 46.88 M | |||
Cash Per Share | 11.80 X | |||
Total Debt | 322.04 M | |||
Debt To Equity | 9.85 % | |||
Book Value Per Share | 62.75 X | |||
Cash Flow From Operations | 26.54 M | |||
Short Ratio | 1.50 X | |||
Earnings Per Share | 5.81 X | |||
Target Price | 60.0 | |||
Number Of Employees | 393 | |||
Beta | 0.49 | |||
Market Capitalization | 335.13 M | |||
Total Asset | 2.98 B | |||
Retained Earnings | 172.97 M | |||
Annual Yield | 0.03 % | |||
Five Year Return | 3.04 % | |||
Net Asset | 2.98 B | |||
Last Dividend Paid | 1.95 |
About Citizens Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Citizens Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Citizens Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Citizens Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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.