Basis: FMP quote price / unrounded FMP forward EPS in the trading currency, available after its recorded retrieval time. Source: stored company filings and market data; unavailable inputs remain N/A.
The forward PE ratio is 9.18 as of 2026-10-06T14:41:34.287Z.
Consensus retrieved: 2026-10-06T10:42:49.676Z. This records retrieval, including cache reads, rather than vendor publication. The calculation uses the separately dated price and estimate available at its as-of time.
Calculation as of: 2026-10-06T14:41:34.287Z.
Quote observation: 2026-10-06T14:40:23.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: 411c50806552667648fe7e0ec3a5dd63381f22d071cef01dbaa415e7542f7a27
Forward PE Ratio (9.18) = Dated Quote Price ($79.85) / Consensus Forward EPS ($8.70)
FORWARD PE RATIO
9.18
SECTOR MEDIAN · FINANCIAL SERVICES
11.33
median of 298 covered companies
CURRENT VS SECTOR MEDIAN
-18.98%
vs the sector median at left
Citizens Financial Services, Inc.
Market Cap
$383.67M
Forward PE Ratio
9.18
| NAME | MARKET CAP | FORWARD PE RATIO |
|---|---|---|
| Citizens Financial Services, Inc. (CZFS) | $383.67M | 9.18 |
| MVB Financial Corp. (MVBF)vs › | $382.35M | 15.07 |
| The First Bancorp, Inc. (FNLC)vs › | $381.23M | N/A |
| Primis Financial Corp (FRST)vs › | $388.11M | 11.22 |
| Berto Acquisition Corp. II (GUAC)vs › | $390.33M | N/A |
| Centurion Acquisition Corp. (ALF)vs › | $391.36M | N/A |
| Chemung Financial Corporation (CHMG)vs › | $394.84M | 10.79 |
| GP-Act III Acquisition Corp. (GPAT)vs › | $396.75M | N/A |
| Norwood Financial Corp. (NWFL)vs › | $369.96M | 9.78 |
| Northeast Community Bancorp, Inc. (NECB)vs › | $369.91M | 9.02 |
Trailing P/E
9.3
reported TTM EPS
Forward P/E
9.2
consensus EPS · fiscal year ending 2026-12-31
The gap between the two multiples is the consensus growth expectation: analysts' forward EPS of $8.70 implies +1.8% EPS growth vs the reported trailing $8.55.
At the dated quote price of $79.85, each upcoming fiscal year's consensus EPS implies a different multiple — how quickly the price is "paid down" by expected earnings if the estimates hold.
| Fiscal year end | Consensus EPS | Estimate range | Analysts | Implied P/E |
|---|---|---|---|---|
| 2026-12-31 | $8.70 | $8.70 – $8.70 | 1 | 9.2x |
| 2027-12-31 | $8.81 | $8.81 – $8.81 | 1 | 9.1x |
Source: FMP analyst consensus estimates, refreshed with the daily precompute. "n/m" = the consensus EPS is not positive, so a multiple is undefined. There is no forward P/E history chart here because charting one would require the estimates as they stood in the past, which we do not store — see the trailing P/E history for how the realized multiple has moved.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
