CZFS
Citizens Financial Services, Inc.
CZFS's fundamentals are strong: its operating margin rose 5 points to 44% and revenue grew 11%. At 9.6x earnings, it's trading right at its usual valuation. Analysts expect earnings growth.
CZFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CZFS's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CZFS.
CZFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $70.82 | -17% |
| Fair | 9.3x | $82.98 | -2.9% |
| Forward | 9.3x | $85.48 | — |
| Current | 9.6x | $85.48 | — |
| Expensive | 11x | $97.78 | +14% |
Historical ranges are pointers, not guarantees.
CZFS's PE is in its fair range at 9.6x. If earnings grow as analysts expect, today's price would be 9.3x next year's earnings.
CZFS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CZFS, but weaker profitability.
CZFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.22 | +3.2% |
| Q3 2026 | $8.93 | +26% |
| Q2 2026 | $8.54 | +29% |
| Q1 2026 | $8.18 | +37% |
| Q4 2025 | $7.62 | +30% |
| Q3 2025 | $7.11 | +20% |
| Q2 2025 | $6.61 | +11% |
| Q1 2025 | $5.96 | +56% |
| Q4 2024 | $5.85 | +44% |
CZFS's earnings per share have climbed steadily: $8.93 over the past year, up 26% from the year before, and higher year over year for 10 quarters in a row.
CZFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $31.6M | +8.9% |
| Q2 2026 | $29.7M | +8.8% |
| Q1 2026 | $29.8M | +13% |
| Q4 2025 | $29.6M | +13% |
| Q3 2025 | $29M | +16% |
| Q2 2025 | $27.3M | +11% |
| Q1 2025 | $26.4M | +1.9% |
| Q4 2024 | $26.2M | +3.4% |
CZFS's revenue has grown year over year for eight quarters in a row: $32M last quarter, up 8.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 46% | +3.4 points |
| Q2 2026 | 42% | +3.4 points |
| Q1 2026 | 43% | +7.1 points |
| Q4 2025 | 44% | +7.8 points |
| Q3 2025 | 43% | +5.8 points |
| Q2 2025 | 38% | +12 points |
| Q1 2025 | 35% | +2.7 points |
| Q4 2024 | 36% | 0 points |
CZFS's operating margin was 46% last quarter, up 3.4 points from the same quarter a year ago.
CZFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $5M | +84% |
| Q2 2026 | -$376K | -107% |
| Q1 2026 | $17.9M | +73% |
| Q4 2025 | $16.7M | +66% |
| Q3 2025 | $2.7M | -51% |
| Q2 2025 | $5.5M | +90% |
| Q1 2025 | $10.4M | -22% |
| Q4 2024 | $10M | -37% |
CZFS's free cash flow was $39M over the past year, up 37% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CZFS.
CZFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +214 shares |
| 1 year | +0.1% | +4.4K shares |
| 3 years | +2.2% | +102K shares |
| 5 years | +22% | +853K shares |
| Available history | +36% | +1.3M shares |
CZFS has 5M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13,000 |
| Q2 2026 | $147,000 |
| Q1 2026 | $158,000 |
| Q4 2025 | $15,000 |
| Q3 2025 | $77,000 |
| Q2 2025 | $239,000 |
| Q1 2025 | $57,000 |
| Q4 2024 | $2,000 |
CZFS has spent almost nothing on buybacks in the past year.
CZFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.7x | Net Cash |
| Q3 2025 | -0.7x | Net Cash |
| Q2 2025 | -1.2x | Net Cash |
| Q1 2025 | -1.0x | Net Cash |
| Q4 2024 | -1.2x | Net Cash |
CZFS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CZFS.
CZFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 67.3 | Neutral |
| Stochastic | 74.7 | Neutral |
CZFS's weekly RSI is 67 (neutral) and its Stochastic is 75 (neutral).
CZFS PE vs Financial Services Sector
| Metric | CZFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 57 | 63 | 6 pts below |
CZFS is trading at 9.6x earnings, a 26% discount to the Financial Services sector's median of 13x.
CZFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $82.4 | 3.8% above |
| 20 week MA | $80.0 | 6.9% above |
| 50 week MA | $69.9 | 22% above |
| 100 week MA | $64.2 | 33% above |
| 200 week MA | $62.0 | 38% above |
CZFS is in an uptrend: it's above all five of its weekly moving averages, and 38% above its 200-week average.
CZFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $57.5 | $47.3 | -18% |
| 2021 | $47.3 | $58.0 | +22% |
| 2022 | $58.0 | $76.2 | +31% |
| 2023 | $76.2 | $63.4 | -17% |
| 2024 | $63.4 | $63.4 | -0.1% |
| 2025 | $63.4 | $58.1 | -8.3% |
| 2026 YTD | $58.1 | $85.5 | +47% |
CZFS has finished three years in a row lower, and it's up 47% so far in 2026.