CZFS
Citizens Financial Services, Inc.
CZFS offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CZFS overall, supported by lower modeled downside and stronger valuation.
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.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
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 has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CZFS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CZFS, but weaker profitability.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over CZFS on the outlook, with more favorable profitability expectations.
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.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CZFS on earnings, with stronger typical year-over-year growth.
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 has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 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 has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
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.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CZFS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
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.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CZFS on leverage, with a lower net debt burden relative to earnings.
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).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CZFS PE vs Financial Services Sector
| Metric | CZFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 57 | 63 | 6 pts below |
CZFS has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
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 has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% 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 the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.