Citizens Financial Services

Citizens Financial Services EV/FCF

The EV/FCF (Enterprise Value to Free Cash Flow) of Citizens Financial Services (CZFS) as of Nov 3, 2026 is 15.40. In the previous year, EV/FCF (Enterprise Value to Free Cash Flow) was 8.54 — a change of 80.17% (higher).

EV/FCF

15.40

YoY

80.17%

Last updated:

EV/FCF (Enterprise Value to Free Cash Flow) of Citizens Financial Services is 2025 15.40 . EV/FCF (Enterprise Value to Free Cash Flow) of Citizens Financial Services was 2024 8.54 . It decreases by 80.17% higher compared to the previous year.

The Citizens Financial Services EV/FCF history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EV/FCF
Date
EV/FCF
Jan 1, 2018
3.47 USD
Jan 1, 2019
4.42 USD
Jan 1, 2020
1.69 USD
Jan 1, 2021
-6.78 USD
Jan 1, 2022
-4.09 USD
Jan 1, 2023
-3.32 USD
Jan 1, 2024
8.54 USD
Jan 1, 2025
15.40 USD
The Citizens Financial Services EV/FCF history
YEAREV/FCFYoY
15.40+80.17%
8.54-357.56%
-3.32-18.93%
-4.09-39.61%
-6.78-501.40%
1.69-61.79%
4.42+27.16%
3.47-11.01%
3.90+796.47%
0.44-111.75%
-3.71-719.41%
0.60—

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Citizens Financial Services Stock analysis

What does Citizens Financial Services do? Citizens Financial Services Inc. is an American financial services company based in Providence, Rhode Island. The company was founded in 1828 and has since had a long history as one of the oldest and most trusted banks in the USA. Citizens Financial Services Inc. is divided into several business segments, including retail banking, commercial banking, wealth management, and capital markets. These various business segments offer a variety of products and services tailored to the needs of customers. In the retail banking segment, Citizens Financial Services Inc. offers a wide range of financial products and services, including savings accounts, checking accounts, credit cards, mortgages, and personal loans. The company is also a leading provider of online banking services and mobile banking apps. The commercial banking segment of Citizens Financial Services Inc. specializes in serving the needs of businesses and other institutions. Here, various financial services such as lines of credit, trade financing, cash management solutions, and foreign exchange transactions are offered. The company works closely with its customers to develop customized financial solutions that meet their individual needs and challenges. In the wealth management segment, Citizens Financial Services Inc. offers a variety of investment and asset management services. The company has excellent customer service and specializes in various topics, including wealth transfer, succession planning, tax and investment advice, and trust services. Finally, the capital markets segment of Citizens Financial Services Inc. is focused on institutional customers, including public and private companies, sovereign wealth funds, and insurance companies. Various financial products such as bonds, FX closing rates, treasury bills, and interest loans are offered here. The company always aims to provide world-class service solutions to its customers. Citizens Financial Services Inc. has a competent and dedicated staff whose goal is to provide customers with the best support and tailored solutions. The company is committed to satisfying a wide range of customer needs and helping them achieve their financial goals. Through the implementation of innovative and customer-oriented approaches and a wide range of financial services, Citizens Financial Services Inc. has earned a good place in the industry. Citizens Financial Services is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Citizens Financial Services stock

EV/FCF (Enterprise Value to Free Cash Flow) of Citizens Financial Services is 15.40 in 2025.

EV/FCF (Enterprise Value to Free Cash Flow) of Citizens Financial Services changed from 8.54 to 15.40, representing a 80.17% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of EV/FCF (Enterprise Value to Free Cash Flow) Citizens Financial Services since 2006 – with annual values, charts, and detailed analysis.

The EV/FCF ratio measures the enterprise value relative to free cash flow. It captures the true cash-generating ability of a business.

To evaluate EV/FCF (Enterprise Value to Free Cash Flow)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EV/FCF (Enterprise Value to Free Cash Flow).

A 'good' varies by industry and company stage. On Eulerpool, you can compare EV/FCF (Enterprise Value to Free Cash Flow)'s Citizens Financial Services with sector peers and the industry average to assess whether it is attractive.

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Valuation — Citizens Financial Services

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