Citizens Financial Services Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value Insufficient data for a value estimatebased on filings through 30 Jun 2026
Market Price $79.14Price as of 1 Oct 2026
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Valuation methods vs. Market Price
$0$50$100$150$200$250
DCF
$191.51
DNI
$213.02
P/S
P/S: no value available.
n/aP/E
P/E: no value available.
n/aP/B
$58.06◇ $61.73
PEG
$49.83
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Market Price ($79.14) Intrinsic Value peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 3.9% (near-term consensus, capped) · years 2–5: 3.9%/yr (balance of the path). | 3.9% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 63.9%Yr 73.9%Yr 83.9%Yr 93.9%Yr 103.9% | 3.9% → 3.9% |
Years 11–20: glide to long-run ratePer-year ratesYr 113.8%Yr 123.7%Yr 133.6%Yr 143.5%Yr 153.4%Yr 163.4%Yr 173.3%Yr 183.2%Yr 193.1%Yr 203.0% | 3.9% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 5.9% |
| Discount rate (cost of equity) | 7.5% |
| Volatility vs market (adjusted beta) | 0.58 |
Valuation Detail Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.