Definitive Analysis
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Definitive Analysis

Financial Statements

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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%

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