Citizens Financial Services, Inc. cash flow to debt ratio of 11.81% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Citizens Financial Services, Inc.'s free cash flow has increased 10.57% from $31.87M last year to $35.24M, signaling increasing performance

Citizens Financial Services, Inc.'s debt to equity ratio is 1.12, which means that the company's assets are unhealthy financed, signaling financial risk.

Citizens Financial Services, Inc.'s debt has increased relative to shareholder equity from 0.99 last year to 1.12 today, signaling weakened financials

Citizens Financial Services, Inc. has a net debt to EBITDA ratio of 5.22x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

Citizens Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Citizens Financial Services, Inc.'s profit margin has increased (41.48%) in the last year from 16.50% to 23.34%, signaling increasing performance

Citizens Financial Services, Inc.'s short-term liabilities of $2.40B exceed its short-term assets of $84.86M, signaling financial risk

Citizens Financial Services, Inc.'s return on assets of 1.29% is lower than the 5.00% threshold, indicating inefficient asset utilization

Citizens Financial Services, Inc.'s return on equity of 12.05%, is lower than 15.00%, indicating bad performance

Citizens Financial Services, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Citizens Financial Services, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Citizens Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Citizens Financial Services, Inc. has a free cash flow yield of 9.04%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Citizens Financial Services, Inc.'s yearly earnings has increased 31.47% since last year from $27.82M to $36.57M, signaling increasing performance

Citizens Financial Services, Inc.'s yearly revenue has decreased 5.60% since last year from $168.62M to $159.17M, signaling decreasing performance

ROIC 1.29% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Citizens Financial Services, Inc.'s 3-year revenue CAGR of 23.00% is positive, indicating growing revenue over the past 3 years

Citizens Financial Services, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Citizens Financial Services, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Citizens Financial Services, Inc. is overvalued relative to its fair value price of 72.88 based on Discounted Cash Flow model

Citizens Financial Services, Inc. has an earnings yield of 10.55%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Citizens Financial Services, Inc. is overvalued relative to its fair value price of 8.42 based on EBITDA multiple model

Citizens Financial Services, Inc. has an EV/EBITDA ratio of 13.86x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Citizens Financial Services, Inc. is undervalued relative to its fair value price of 189.74 based on Earnings Fair Value model

Citizens Financial Services, Inc. has a PEG-ratio over 1 which is considered overvalued

Citizens Financial Services, Inc. has a price-to-book ratio of 1.10x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Citizens Financial Services, Inc. has a price-to-sales ratio of 2.21x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue