What is Citizens Financial Services, Inc. (CZFS)'s PEG ratio?

Citizens Financial Services, Inc. (CZFS) has a PEG ratio of 2.25 (Potentially Overvalued), based on a PE ratio of 8.4 and expected EPS growth of 3.7% (5-Year EPS CAGR).

Is CZFS undervalued based on its PEG ratio?

A PEG below 1.0 is conventionally read as potentially undervalued, 1.0–2.0 as fairly valued, and above 2.0 as potentially overvalued relative to growth. At 2.25, Citizens Financial Services, Inc. (CZFS) screens as "Potentially Overvalued". PEG is one signal, not investment advice — see the full DCF fair value at evidinvest.com/valuation/CZFS.

Citizens Financial Services, Inc. (CZFS) PEG Ratio

Potentially Overvalued

PE ratio relative to earnings growth — is the valuation justified?

2.25

PEG Ratio

PEG ratio is generally unreliable for Financial Services companies — earnings are driven by interest margins and provisions

PEG ratio is generally unreliable for Financial Services companies

2.25

Growth Rate Source

Good Data Quality5-Year EPS CAGR

Current Price

$72.21

TTM EPS

$8.55

P/E Ratio

8.45

Growth Rate

3.7%

5-Year EPS CAGR

Sector

Financial Services

Banks - Regional

Calculated

8/20/2026

6:33:09 AM

Peer Comparison

Sample Size

4 peers

Industry Median PEG

1.87

25th Percentile

1.33

75th Percentile

6.80

CZFS PEG (2.25) vs Industry Median (1.87): 20% premium

Symbol	Company	PEG	P/E	Growth	vs CZFS
FCCO	First Community Corporation	0.94	12.3	13.0%	-58%
NWFL	Norwood Financial Corp.	1.33	10.3	7.7%	-41%
LNKB	LINKBANCORP, Inc.	2.42	9.7	4.0%	+7%
CZNC	Citizens & Northern Corporation	6.80	16.0	2.3%	+202%

How to Interpret PEG Ratio

PEG < 1.0 — Potentially Undervalued. The stock may be priced below its earnings growth rate, suggesting a potential buying opportunity.

PEG 1.0–2.0 — Fairly Valued. The stock price is roughly in line with its earnings growth. A PEG of 1.0 is often considered "fair value."

PEG > 2.0 — Potentially Overvalued. The stock may be priced above what its earnings growth justifies.

Limitations:PEG ratios are less reliable for financial firms (earnings driven by interest margins), companies with negative/zero earnings growth, and hypergrowth companies (>100% growth) where the ratio may appear misleadingly low. Always use PEG alongside other valuation metrics.

Citizens Financial Services, Inc. (CZFS) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on CZFS

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Citizens Financial Services, Inc. (CZFS) PEG Ratio

Peer Comparison

How to Interpret PEG Ratio

More on CZFS

Compare with peers

Explore