Definitive Analysis
Definitive Analysis

Financial Statements

Analysis Mode

Ticker

Industry

Sector

Citizens Financial Services, Inc. (CZFS)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$310.62 - $1,418.72$708.45
Multi-Stage$161.66 - $176.85$169.12
Blended Fair Value$438.78
Current Price$60.28
Upside627.91%
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 Rate7.44%7.44%7.44%
Growth Rate5.50%6.50%7.50%
Fair Value$310.62$708.45$1,418.72
Upside / Downside415.29%1,075.26%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 Rate7.44%7.44%7.44%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)13.4713.6013.72
Year 2 PV (M)17.3117.6417.97
Year 3 PV (M)21.0121.6122.23
Year 4 PV (M)24.5725.5226.49
Year 5 PV (M)28.0029.3530.75
PV of Terminal Value (M)667.76700.01733.50
Equity Value (M)772.12807.73844.67
Shares Outstanding (M)4.784.784.78
Fair Value$161.66$169.12$176.85
Upside / Downside168.18%180.55%193.38%

High-Yield Dividend Screener

« Prev Page 58 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
000597.SZNortheast Pharmaceutical Group Co., Ltd.2.72%$0.1454.16%
002282.SZBosun Co., Ltd.2.72%$0.2057.69%
005300.KSLotte Chilsung Beverage Co., Ltd.2.72%$3,646.4052.67%
3019.TWAsia Optical Co., Inc.2.72%$3.9158.36%
5469.TWHannStar Board Corporation2.72%$2.5238.49%
5493.TWOSanlien Technology Corp.2.72%$2.4757.58%
605001.SSQingdao Victall Railway Co., Ltd.2.72%$0.2176.35%
6727.TWacom Co., Ltd.2.72%$22.0470.93%
BEM-R.BKBangkok Expressway and Metro Public Company Limited2.72%$0.1559.21%
BTEBaytex Energy Corp.2.72%$0.0932.39%
CLA-B.STCloetta AB (publ)2.72%$1.1043.72%
EVEN3.SAEven Construtora e Incorporadora S.A.2.72%$0.2044.47%
SNZ.AXSummerset Group Holdings Limited2.72%$0.298.91%
001270.KSBOOKOOK Securities Co., Ltd.2.71%$1,510.8429.90%
033100.KQCheryong Electric Co.,Ltd.2.71%$1,000.1526.62%
0RAR.LStratec SE2.71%$0.6049.62%
2706.TWFirst Hotel Company Ltd.2.71%$0.3560.83%
2734.TSALA Corporation2.71%$30.7339.50%
4051.SRBaazeem Trading Company2.71%$0.1874.35%
601002.SSGem-Year Industrial Co.,Ltd.2.71%$0.1462.84%
601326.SSQinhuangdao Port Co., Ltd.2.71%$0.0932.66%
7224.TShinMaywa Industries, Ltd.2.71%$51.9640.11%
AN3PG.AXAustralia and New Zealand Banking Group Ltd2.71%$2.7663.53%
002478.SZJiangsu Changbao Steeltube Co.,Ltd2.70%$0.2332.58%
0QMS.Ldormakaba Holding AG2.70%$1.7452.32%
0R9D.LAeroporto Guglielmo Marconi di Bologna S.p.A.2.70%$0.2839.70%
2739.TWMy Humble House Hospitality Management Consulting Co., Ltd.2.70%$0.9758.64%
300140.SZCECEP Environmental Protection Equipment Co.,Ltd.2.70%$0.1868.84%
4142.SRRiyadh Cables Group Company2.70%$3.5049.02%
603100.SSChongqing Chuanyi Automation Co., Ltd.2.70%$0.6242.77%
603871.SSJiayou International Logistics Co.,Ltd2.70%$0.3848.36%
605028.SSNingbo Shimao Energy Co.,Ltd2.70%$0.8077.70%
6705.TWOMARTAS Precision Slide Co.,Ltd2.70%$1.8441.49%
688571.SSHangzhou Toka Ink Co., Ltd.2.70%$0.2073.79%
8390.TWOJiin Yeeh Ding Enterprises Corp.2.70%$2.4940.37%
8936.TWOKuo Toong International Co., Ltd.2.70%$1.4843.88%
CMRY.JKPT Cisarua Mountain Dairy Tbk2.70%$150.0160.59%
CRJ.WACreepy Jar S.A.2.70%$10.9346.34%
DHG.AXDomain Holdings Australia Limited2.70%$0.1284.16%
SYNSAM.STSynsam AB (publ)2.70%$1.8063.88%
300481.SZPuyang Huicheng Electronic Material Co., Ltd.2.69%$0.4280.91%
3069.KLMega First Corporation Berhad2.69%$0.0920.68%
3147.TWOJetwell Computer Co., Ltd.2.69%$4.4637.85%
4023.TKureha Corporation2.69%$109.8152.33%
600888.SSXinjiang Joinworld Co.,Ltd.2.69%$0.2247.19%
601139.SSShenzhen Gas Corporation Ltd.2.69%$0.1841.90%
6462.TRiken Corporation2.69%$100.2521.01%
8261.TWAdvanced Power Electronics Co., Ltd.2.69%$2.4949.60%
GPG.STGenova Property Group AB (publ)2.69%$1.0719.48%
QB7.DEQuirin Privatbank AG2.69%$0.0918.14%