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Citizens Financial Services, Inc.
CZFSFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $173.24M | 21.1% | $36.55M | $35.17M | N/A |
| 2027 | $177.23M | 21.1% | $37.40M | $35.98M | $32.71M |
| 2028 | $181.31M | 21.1% | $38.26M | $36.81M | $30.42M |
| 2029 | $185.48M | 21.1% | $39.14M | $37.65M | $28.29M |
| 2030 | $189.74M | 21.1% | $40.04M | $38.52M | $26.31M |
| 2031 | $194.11M | 21.1% | $40.96M | $39.40M | $24.47M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $7.62 | 2025-12-31 |
| EPS growth | +31.4% | Forecast years: 5 |
| Future EPS | $29.849 | EPS × (1 + G)^5 |
| Base P/E | 7.5 | P/E |
| Future price | $223.87 | Future EPS × P/E |
| Fair value today | $139.00 | PV @ 10.0% |
| 30% safety price | $97.303 | Margin of safety |
| 50% safety price | $69.502 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $61.475 | $75.158 | $93.817 |
| 10.0% | $47.569 | $57.657 | $70.85 |
| 11.0% | $36.592 | $44.274 | $54.003 |