Citizens Financial Services, Inc. (CZFS) Fair Value 2026

CZFS · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.0 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Citizens Financial Services, Inc. (CZFS) trades at $81.15, versus a $67.40 median fair value across its 6 active models — 16.9% below the current price. QOC: 8.0/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CZFS
Price
$81.15
Quality Score
8.0/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Citizens Financial Services, Inc. (CZFS) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Citizens Financial Services, Inc. (CZFS) appears overvalued as of : the median of 6 independent fair value estimates is $67.40, 16.9% below the current price of $81.15. Estimates range from $28.74 to $95.40. CZFS scores 8.0/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CZFS’s -16.9% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Citizens Financial Services, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CZFS?

6 Intrinsic Value Models vs. Current Price ($81.15)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $66.07 -18.6%
Ensemble · Medium Conviction
 $64.48 -20.5%
Intrinsic · High Conviction
 $28.74 -64.6%
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What Is CZFS's Fair Value Range?

Spread across 6 independent models · $28.74 to $95.40

CirclFi's 6 active models place Citizens Financial Services, Inc. (CZFS) between $28.74 and $95.40 per share, a spread of 99% of the median. The median of that range — $67.40 — is the fair value CirclFi publishes for CZFS, against a current price of $81.15.

Low · Markov DDMHigh · ML-RIV
$28.74median $67.40$95.40
Where the range comes from
Most bearish modelMarkov DDM$28.74
Most bullish modelML Residual Income$95.40
Model agreement2 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CZFS, not a CirclFi price target. How each model works →

What Is Citizens Financial Services, Inc. (CZFS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Citizens Financial Services, Inc.'s intrinsic value is estimated at a median fair value of $67.40. Trading at $81.15, the stock is approaching fair value or slight overvaluation (implied return of -16.9%), as 4 of 6 models suggest limited further upside. Notably, ML-RIV sees the most upside at +17.6% (fair value: $95.40), while Markov DDM is the most conservative at -64.6% ($28.74). The spread between these extremes — +82.1% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About CZFS?

6 of 13 models are currently active for CZFS. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for CZFS is $67.40 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CZFS Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CZFS ranks #178 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

Citizens Financial Services, Inc.'s positioning within the Banks - Regional segment means that cost-to-income ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including loan portfolio growth — shape both the opportunity set and risk profile.

Is CZFS a Value Trap?

CirclFi's Value Trap algorithm assigns CZFS a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Citizens Financial Services, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Citizens Financial Services, Inc. earns a quality score of 8.0/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +82.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CZFS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CZFS's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Citizens Financial Services, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

HWCHancock Whitney CorporationQOC 8.0RMBIRichmond Mutual Bancorporation, Inc.QOC 8.0BVFLBV Financial, Inc.QOC 8.0FISIFinancial Institutions, Inc.QOC 8.0SBCFSeacoast Banking Corporation of FloridaQOC 8.0ENBPENB Financial CorpQOC 8.0BSRRSierra BancorpQOC 7.4OFGOFG BancorpQOC 9.0CCBGCapital City Bank Group, Inc.QOC 8.4ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: HWC · RMBI · BVFL · FISI · SBCF · ENBP · BSRR · OFG · CCBG · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CZFS?

6 companies across all industries closest to CZFS’s Quality of Company score of 8.0/10.

LUXELuxExperience B.V.QOC 8.0EBFEnnis, Inc.QOC 8.0ORGOOrganogenesis Holdings Inc.QOC 8.0FLOCFlowco Holdings Inc.QOC 8.0CNQCanadian Natural Resources LimitedQOC 8.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: LUXE · EBF · ORGO · FLOC · CNQ · NVDA

Where Does CZFS Sit in CirclFi's Banks - Regional Rankings?

CZFS is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Citizens Financial Services, Inc.’s Valuation?

What is Citizens Financial Services, Inc.'s intrinsic value in 2026?

CirclFi puts Citizens Financial Services, Inc. (CZFS)'s intrinsic value at $67.40 — the median of 6 independent model estimates as of 2026-08-27, ranging from $28.74 to $95.40. The Quality of Company score is 8.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CZFS overvalued or undervalued right now?

At $81.15, 2 of 6 active models suggest CZFS may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $67.40, 16.9% below the current price of $81.15 — a consensus view that CZFS is overvalued. The assessment depends on which methodology best fits Citizens Financial Services, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.0 mean for CZFS?

Citizens Financial Services, Inc.'s QOC of 8.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CZFS?

CirclFi analyzes CZFS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CZFS?

Of the 6 models currently active on CZFS, ML Residual Income is the most bullish at $95.40 per share, and Markov DDM is the most bearish at $28.74. CirclFi's published fair value for CZFS is the median of that range, $67.40, not either extreme. The gap between the two ends equals 99% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CZFS a value trap in 2026?

Citizens Financial Services, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Citizens Financial Services, Inc. (CZFS) has a median fair value of $67.40 — 16.9% below the current price of $81.15 — as of 2026-08-27.” Source: circlfi.com/stock/CZFS/ · Methodology
Primary sources for this CZFS valuation
  • Financial statements: Citizens Financial Services, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000739421) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CZFS as of ; valuations recomputed .

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