First Citizens Bank (CZFS) - Market Cap to Earnings

Corporate emblem and logo of Citizens Financial Services Inc. (CZFS)

Citizens Financial Services (CZFS) relies on the loyalty of regional entrepreneurs, which ensures capital stability, although the battle for deposits may squeeze margins. This daily price action on GURU.Markets serves as a performance indicator, with a P/E ratio of 9.50. Citizens Financial Services (CZFS) generates revenue through commercial, agricultural, and consumer lending, as well as brokerage services and trust operations.

First Citizens Bank (CZFS) - P/E Multiple from 06/21/2023 to 11/10/2026

Analytical breakdowns for Citizens Financial Services

- market value and analyst target forecast:
Market Chart firstcitizensbank.com|CZFS - Analyst Consensus Forecast
- market capitalization indicators:
Market Value Citizens Financial Services|CZFS - Real Price to Acquire Entire Company
- book value of equity indicators:
Accounting Value of a Share First Citizens Community Bank|CZFS - Book Capitalization|Market Capitalization to Net Assets firstcitizensbank.com|CZFS - Company Total Assets
- debt obligations and liquidity statistics:
Total Debt to Capital Coefficient Citizens Financial Services|CZFS - Long-Term Debt to Equity|Short-Term Debt to Capital Ratio First Citizens Bank|CZFS - Company Aggregate Debts|Debts to Book Capitalization Citizens Financial Services|CZFS - Company Long-Term Debt|Company Short-Term Indebtedness First Citizens Community Bank|Quick Liquidity Indicator firstcitizensbank.com
- earnings and valuation multiples indicators:
CZFS - Net Profit|Company Profit Forecast Citizens Financial Services|CZFS - P/E Multiple|Forward P/E Multiple Citizens Financial Services, Inc.|CZFS - Price/Earnings to Growth Ratio|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Citizens Financial Services|CZFS - Operating profit EBITDA|Net earnings per share for the last 12 months First Citizens Community Bank|CZFS - Net earnings per share (EPS TTM)|Year-over-year net earnings per share change for the last twelve months firstcitizensbank.com|CZFS - Net earnings per share growth this year|Projected earnings per share increase next year Citizens Financial Services
Summary company analysis:CZFS, firstcitizensbank.com
Manufactured product of firstcitizensbank.com

Over-leverage risks in rural regions and cybersecurity expenditures directly impact the net income of Citizens Financial Services (CZFS). These costs drive the P/E ratio, which correlates market capitalization with actual earnings per share. This multiple measures the investment payback period, revealing hidden compression in business margins. Analyzing the company through a normalized P/E allows for the distinction between fundamental growth and speculative valuation swings.

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