Citizens Financial Corp.
Financial ratios & Valuation

Historical Multiples (2014 – 2023)

2014 2015 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
6.9213.629.105.975.934.865.976.456.21
Price/Sales ratio
1.351.921.791.431.831.401.811.041.63
Price/Book Value ratio
0.650.860.980.800.940.870.860.870.89
Price/Cash Flow ratio
8.6810.836.125.755.394.434.93N/A5.57
Price/Free Cash Flow ratio
11.6412.128.636.085.8511.256.47N/A5.97
Price/Earnings Growth ratio
N/A-0.45N/A0.150.170.37-1.160.060.16
Dividend Yield
2.25%3.09%3.78%4.21%3.51%4.46%3.91%3.62%3.86%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%105.10%100%100%
Operating Profit Margin
34.87%26.94%N/A34.46%40.04%39.36%49.41%28.10%37.25%
Pretax Profit Margin
27.78%20.68%24.61%30.13%38.96%36.24%37.96%21.23%34.54%
Net Profit Margin
19.58%14.12%19.69%23.98%30.93%28.78%30.38%16.92%27.46%
Effective Tax Rate
29.52%31.73%19.98%20.39%20.59%20.57%19.97%20.31%20.49%
Return on Assets
0.94%0.64%1.08%1.33%1.17%1.10%0.95%0.96%1.25%
Return On Equity
9.42%6.37%10.76%13.50%15.91%18.02%14.46%14.96%12.13%
Return on Capital Employed
1.69%1.23%N/A3.18%2.55%2.39%1.55%1.60%2.87%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
N/AN/A0.310.600.990.28N/AN/A0.79
Cash ratio
N/AN/A-0.040.280.480.13N/AN/A0.38
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.000.000.040.010.020.02N/AN/A0.02
Debt Equity Ratio
0.020.010.460.180.340.39N/AN/A0.26
Long-term Debt to Capitalization
0.020.010.180.150.250.28N/AN/A0.20
Total Debt to Capitalization
0.020.010.310.150.250.28N/AN/A0.20
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A0.97N/A
Cash Flow to Debt Ratio
2.984.990.340.740.500.49N/AN/A0.62
Company Equity Multiplier
9.939.819.9010.0813.5816.2915.1014.109.99
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.150.170.290.240.340.310.36N/A0.29
Free Cash Flow / Operating Cash Flow Ratio
0.740.890.700.940.920.390.76N/A0.93
Cash Flow Coverage Ratio
2.984.990.340.740.500.49N/AN/A0.62
Short Term Coverage Ratio
N/AN/A0.65N/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
15.59%42.22%34.49%25.18%20.86%21.74%23.38%N/A23.02%