Citizens Financial Services, Inc.
Bear Case (25th pct.)
-18.2% vs price
Base Case (Median)
28.7% vs price
Bull Case (75th pct.)
36.8% vs price
◇ = Current price | |Bear |Base | Bull
| Method | Est. Value | vs Price | Weight |
|---|---|---|---|
| DCF (Discounted Cash Flow) | $28.00 | -65.2% | High (40%) |
| PE Comparable | $103.51 | 28.7% | Medium (25%) |
| Graham Number | $116.43 | 44.8% | High (80%) |
Based on 3 out of 8 methods, CZFS appears fairly valued at the current price of $80.40. The base case fair value of $103.51 implies 28.7% upside.
Bear/base/bull cases represent the 25th, 50th, and 75th percentile of available method estimates. This is not financial advice. Valuation is inherently uncertain.