Three independent discounted-cash-flow-style models value Citizens Financial Services, Inc. Common Stock every trading day. 1 of 3 currently price CZFS above its market price.
| Free Cash Flow model | $-112.89 |
| Excess Profit model | $118.35 |
| Residual Earnings model | $31.16 |
| Dividend Discount model | $53.85 |
| Piotroski F-Score | 5 / 9 |
| Return on invested capital | +10.6% |
| Net debt / EBITDA | -0.8× |
| Gross margin | +100.0% |
| Revenue CAGR | +4.8% |
| Cash conversion | 1.0× |
| Dividend yield | +2.6% |
| Buyback yield | -1.0% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open CZFS in StockKitty