Definitive Analysis
Loading...
Definitive Analysis

Financial Statements

Mode

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 142 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
000676.SZGenimous Technology Co., Ltd.0.03%$0.002.13%
000681.SZVisual China Group Co.,Ltd.0.03%$0.014.98%
002177.SZGuangzhou Kingteller Technology Co.,Ltd.0.03%$0.0022.86%
002445.SZZhongnanhong Culture Group Co. Ltd. Class A0.03%$0.001.52%
002523.SZZhuzhou Tianqiao Crane Co., Ltd.0.03%$0.001.62%
002576.SZJiangsu Tongda Power Technology Co.,Ltd.0.03%$0.000.93%
0247.HKTsim Sha Tsui Properties Limited0.03%$0.010.27%
1256.TWSunjuice Holdings Co., Limited0.03%$0.040.46%
1729.HKTime Interconnect Technology Limited0.03%$0.011.66%
2115.TWLuhai Holding Corp.0.03%$0.010.32%
300114.SZZhonghang Electronic Measuring Instruments Co.,Ltd0.03%$0.0212.04%
300150.SZBeijing Century Real Technology Co.,Ltd0.03%$0.002.39%
300153.SZShanghai Cooltech Power Co., Ltd.0.03%$0.015.63%
300343.SZLecron Industrial Development Group Co., Ltd.0.03%$0.003.68%
300462.SZShanghai Huaming Intelligent Terminal Equipment Co., Ltd.0.03%$0.001.84%
300631.SZJiangSu JiuWu Hi-Tech Co., Ltd.0.03%$0.011.35%
301005.SZEssence Fastening Systems (Shanghai) Co., Ltd.0.03%$0.0442.05%
5273.KLChin Hin Group Berhad0.03%$0.002.15%
600557.SSJiangsu Kanion Pharmaceutical Co.,Ltd.0.03%$0.001.05%
600650.SSShanghai Jin Jiang Online Network Service Co., Ltd.0.03%$0.001.75%
600897.SSXiamen International Airport Co.,Ltd0.03%$0.000.46%
603718.SSShanghai Hile Bio-Technology Co., Ltd.0.03%$0.000.72%
603922.SSSuzhou Jin Hong Shun Auto Parts Co., Ltd.0.03%$0.016.14%
688082.SSACM Research (Shanghai), Inc.0.03%$0.061.58%
688234.SSSICC Co., Ltd.0.03%$0.0339.46%
688333.SSXi'an Bright Laser Technologies Co.,Ltd.0.03%$0.033.90%
7699.TOmni-Plus System Limited0.03%$0.2743.84%
AAS.Labrdn Asia Focus plc0.03%$0.1012.84%
ALW.LAlliance Witan Ord0.03%$0.4423.61%
ANCR.LAnimalcare Group plc0.03%$0.0816.15%
AVIV.TAMordechai Aviv Taasiot Beniyah (1973) Ltd.0.03%$0.5342.92%
BKFR.TABait Bakfar Ltd0.03%$0.4326.09%
BSV.LBritish Smaller Companies VCT plc0.03%$0.0242.50%
BUT.LThe Brunner Investment Trust PLC0.03%$0.4114.61%
CCJI.LCC Japan Income & Growth Trust plc0.03%$0.0713.56%
CEY.LCentamin plc0.03%$0.0454.65%
CHAM.SWCham Swiss Properties AG0.03%$0.010.25%
CHRT.LCohort plc0.03%$0.2934.93%
CMCX.LCMC Markets plc0.03%$0.0815.59%
DOTD.Ldotdigital Group Plc0.03%$0.0225.51%
EXPN.LExperian plc0.03%$1.1444.28%
FAN.LVolution Group plc0.03%$0.1842.00%
FFB.JOFortress REIT Limited0.03%$0.7014.03%
FRAN.LFranchise Brands plc0.03%$0.0556.44%
GAZA.MEPJSC GAZ0.03%$0.160.10%
GSCT.LThe Global Smaller Companies Trust Plc0.03%$0.053.77%
GSFI.TAGan Shmuel Foods Ltd.0.03%$0.8458.60%
ILDC.TALand Development of Nimrodi Group Ltd0.03%$1.4045.43%
JD.LJD Sports Fashion plc0.03%$0.0315.92%
JDG.LJudges Scientific plc0.03%$1.8147.10%