Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Ticker

Industry

Sector

Citizens Financial Services, Inc. (CZFS)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$292.53 - $1,418.72$628.22
Multi-Stage$157.15 - $171.89$164.38
Blended Fair Value$396.30
Current Price$60.28
Upside557.44%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS8.05%4.27%1.951.781.591.551.371.321.281.081.061.08
YoY Growth--9.40%12.06%2.78%12.91%3.55%3.25%18.14%1.89%-1.36%-15.85%
Dividend Yield--3.39%3.77%1.96%2.51%2.41%2.78%2.06%1.80%2.29%2.59%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)34.07
(-) Cash Dividends Paid (M)9.48
(=) Cash Retained (M)24.59
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)6.814.262.56
Cash Retained (M)24.5924.5924.59
(-) Cash Required (M)-6.81-4.26-2.56
(=) Excess Retained (M)17.7820.3422.04
(/) Shares Outstanding (M)4.784.784.78
(=) Excess Retained per Share3.724.264.61
LTM Dividend per Share1.981.981.98
(+) Excess Retained per Share3.724.264.61
(=) Adjusted Dividend5.716.246.60
WACC / Discount Rate7.56%7.56%7.56%
Growth Rate5.50%6.50%7.50%
Fair Value$292.53$628.22$1,418.72
Upside / Downside385.29%942.18%2,253.55%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)34.0736.2938.6541.1643.8346.6848.08
Payout Ratio27.82%40.25%52.69%65.13%77.56%90.00%92.50%
Projected Dividends (M)9.4814.6120.3626.8034.0042.0144.48

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.56%7.56%7.56%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)13.4513.5813.71
Year 2 PV (M)17.2717.6017.93
Year 3 PV (M)20.9421.5422.15
Year 4 PV (M)24.4625.4026.37
Year 5 PV (M)27.8429.1930.58
PV of Terminal Value (M)646.59677.82710.25
Equity Value (M)750.56785.13821.00
Shares Outstanding (M)4.784.784.78
Fair Value$157.15$164.38$171.89
Upside / Downside160.69%172.70%185.16%

High-Yield Dividend Screener

« Prev Page 120 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
PME.AXPro Medicus Limited0.37%$0.8243.26%
SAGO.MESamaraEnergo0.37%$0.011.77%
002824.SZGuangdong Hoshion Aluminium Co., Ltd.0.36%$0.0715.95%
002849.SZZhejiang Viewshine Intelligent Meter Co.,Ltd0.36%$0.0632.16%
002881.SZMeiG Smart Technology Co., Ltd0.36%$0.1626.78%
002917.SZShenzhen King Explorer Science and Technology Corporation0.36%$0.0511.10%
002945.SZChinaLin Securities Co., Ltd.0.36%$0.0630.24%
0A0D.LAlcon Inc.0.36%$0.2611.61%
300539.SZNingbo Henghe Precision Industry Co.,Ltd.0.36%$0.1578.72%
300852.SZSihui Fuji Electronics Technology Co., Ltd.0.36%$0.1413.40%
300857.SZSharetronic Data Technology Co., Ltd.0.36%$0.6118.06%
300885.SZYangzhou Seashine New Materials Co.,Ltd.0.36%$0.1244.05%
5999.TIhara Science Corporation0.36%$10.803.02%
600105.SSJiangsu Etern Company Limited0.36%$0.0940.05%
601001.SSJinneng Holding Shanxi Coal Industry Co.,ltd.0.36%$0.054.06%
601311.SSCamel Group Co., Ltd.0.36%$0.035.14%
603655.SSChangzhou Langbo Sealing Technologies Co.,Ltd.0.36%$0.1538.23%
603810.SSJiangsu Fengshan Group Co.,Ltd0.36%$0.0633.11%
6515.TWWinWay Technology Co., Ltd.0.36%$10.5323.93%
6600.HKSciClone Pharmaceuticals (Holdings) Limited0.36%$0.3319.17%
6789.TWVisEra Technologies Company Ltd.0.36%$1.0018.90%
6929.HKOrbusNeich Medical Group Holdings Limited0.36%$0.0113.37%
7003.TMitsui E&S Holdings Co., Ltd.0.36%$19.848.23%
9405.TAsahi Broadcasting Group Holdings Corporation0.36%$2.992.17%
EXS.STExsitec Holding AB (publ)0.36%$0.559.97%
ILYDA.ATIlyda S.A.0.36%$0.024.60%
TVK.TOTerraVest Industries Inc.0.36%$0.6015.83%
000058.SZShenzhen SEG Co.,Ltd0.35%$0.0344.48%
000973.SZFSPG Hi-Tech Co. Ltd.0.35%$0.0541.71%
001208.SZHunan Valin Wire & Cable Co.,Ltd.0.35%$0.0839.68%
002654.SZShenzhen Mason Technologies Co.,Ltd0.35%$0.0572.58%
002931.SZZhejiang Fenglong Electric Co., Ltd.0.35%$0.1196.83%
068270.KSCelltrion, Inc.0.35%$699.7920.84%
122870.KQYG Entertainment Inc.0.35%$249.749.19%
281740.KQLake Materials Co., Ltd.0.35%$50.0021.63%
300357.SZZhejiang Wolwo Bio-Pharmaceutical Co., Ltd.0.35%$0.1013.43%
300394.SZSuzhou TFC Optical Communication Co., Ltd.0.35%$0.7130.26%
300792.SZHangzhou Onechance Tech Crop.0.35%$0.1029.68%
3219.TWOAethertek technology co., Ltd.0.35%$0.2719.54%
600576.SSZhejiang Sunriver Culture Co.,Ltd.0.35%$0.0211.90%
600587.SSShinva Medical Instrument Co., Ltd.0.35%$0.055.92%
601177.SSHangzhou Advance Gearbox Group Co., Ltd.0.35%$0.069.51%
603800.SSJiangsu Hongtian Technology Co.,Ltd.0.35%$0.1736.32%
603833.SSOppein Home Group Inc.0.35%$0.184.79%
ESLTElbit Systems Ltd.0.35%$2.0821.39%
GXI.DEGerresheimer AG0.35%$0.1014.49%
VASTB.BRVastned Belgium0.35%$0.116.22%
VH2.DEFriedrich Vorwerk Group SE0.35%$0.308.47%
WWIB.OLWilh. Wilhelmsen Holding ASA0.35%$1.9113.25%
002149.SZWestern Metal Materials Co., Ltd.0.34%$0.1685.47%