Snapshot · Russell 3000 · generated 2026-09-19 21:53 UTC

CZFS — Citizens Financial Services, Inc.

UNDERVALUED (MOS +45.6%) · Quality 64/100

CZFS - Citizens Financial Services, Inc.
Data generated 2026-09-19 21:53 UTC (nightly scan, universe: Russell 3000).
Price: 81.35 USD
Intrinsic value: 149.44 USD
Margin of safety: +45.6%
Implied growth (reverse DCF): -4.5% (model assumes +3.4%)
Valuation: UNDERVALUED
Value Score: 41.2
Quality: 64/100
Moat score: 29.5 (erosion: none)
UNDERVALUED (MOS +45.6%) - Quality 64/100
Source: StocksDeepDive - https://stocksdeepdive.com/s/CZFS
Factual information and general commentary only. StocksDeepDive publishes data, model outputs and described calculations from stated inputs. Nothing on this site takes your personal objectives, financial situation or needs into account, and nothing here is financial product advice or a recommendation to buy, hold or sell any security. Model outputs depend entirely on their stated inputs and assumptions. Consider seeking advice from a licensed adviser before acting. Data via Yahoo Finance, Google Trends, StockTwits and NewsAPI; figures may be delayed or revised.

Price

81.35

Intrinsic value

149.44

Margin of safety

+45.6%

Implied growth (reverse DCF)

-4.5%

model assumes +3.4%

Value Score

41.2

Quality

Psychology

-4.4

Discovery

22.6

price/volume attention only

Moat score

29.5

erosion: none

Value Score: top 34% of Russell 3000 · Quality: top 27%

Dividend: 2.02/share (TTM) · yield 2.5% · payout 24%

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Common questions

Is CZFS undervalued?

As of 2026-09-19, CZFS trades at 81.35 against a computed intrinsic value of 149.44 (+45.6% margin of safety) - StocksDeepDive's valuation label for this is UNDERVALUED. This is a described calculation from public data, not a recommendation.

What is Citizens Financial Services, Inc.'s Value Score?

Citizens Financial Services, Inc.'s Value Score is 41.2 as of 2026-09-19 - it combines value, quality, crowd psychology and market attention into one number.

Does CZFS pay a dividend?

Yes - CZFS's trailing twelve-month dividend is 2.02/share, a yield of 2.5% at the current price (as of 2026-09-19).