Start with its own history
Compare positive annual observations to understand how this company has been priced over time. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
OTC · CFINInsurance - LifeUpdated Nov 4, 2026
Citizens Financial Corporation P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
N/M
No meaningful positive P/E available.
Share price7,600
÷Earnings per share-1,073.88
Price and EPS in quote currency. Calculation details
Zero or negative earnings do not produce a meaningful conventional P/E.
P/E over time
1997 – 2006
Annual P/ESelected-period average 33.54×
3-year average62.53×2 positive annual observations
5-year average48.50×3 positive annual observations
10-year average33.54×7 positive annual observations
Peer median · TTM9.06×4 peers with positive P/E
Historical P/E ratios
Annual period-end data · 11 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2006 | N/M | N/M |
| Dec 31, 2005 | 78.13× | +66.5% |
| Dec 31, 2004 | 46.93× | +129.5% |
| Dec 31, 2003 | 20.45× | N/M |
| Dec 31, 2002 | N/M | N/M |
| Dec 31, 2001 | N/M | N/M |
| Dec 31, 2000 | 78.57× | +2464.3% |
| Dec 31, 1999 | 3.06× | -14.2% |
View all 11 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 1998 | 3.57× | -12.5% |
| Dec 31, 1997 | 4.08× | -48.7% |
| Dec 31, 1996 | 7.95× | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How CFIN compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 CFIN This stockCitizens Financial Corporation | N/M |
 FRLAFortune Rise Acquisition Corporation | N/M |
 NUBCNorthumberland Bancorp | 21.53× |
 RBAZRBAZ Bancorp, Inc. | 11.34× |
 PSBPPSB Holding Corp. | N/M |
 RYTTFRoyalty North Partners Ltd. | N/M |
 AOAOAlpha One Inc. | 6.34× |
 PYCFFMount Logan Capital Inc. | 6.77× |
 EGFHFICPEI Holdings Inc. | N/M |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does CFIN’s P/E tell you?
Compare like with like
The median of the 4 positive peer ratios above is 9.06×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take CFIN into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("CFIN", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
A conventional P/E is not meaningful when earnings are zero or negative. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Nov 4, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
CFIN P/E ratio: common questions
The essentials behind the numbers.
Citizens Financial Corporation does not currently have a meaningful positive P/E in the quote data. A zero or negative EPS makes the conventional P/E unsuitable for comparison.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.