📊 CZFS Key Takeaways
Investment Thesis
Citizens Financial Services exhibits severe data quality issues with a 93.8% YoY revenue collapse and mathematically impossible profitability metrics (370% net margin) that suggest either accounting anomalies or data errors rather than legitimate operating performance. The extremely low ROA of 1.2% combined with high operating leverage and minimal interest coverage of 2.7x indicates fragile financial health masked by unreliable headline numbers.
CZFS Strengths
- Strong free cash flow generation at $35.2M despite revenue collapse
- Positive net income growth of 31.5% YoY showing profitability
- No long-term debt burden reducing financial risk
CZFS Risks
- Revenue declined 93.8% YoY indicating severe operational distress or data anomaly
- Mathematically implausible margins (370% net margin, 457% operating margin) suggest accounting issues or consolidated subsidiary effects not properly reflected
- Interest coverage of 2.7x is dangerously low for a bank, raising debt servicing concerns
- ROA of 1.2% significantly below banking industry standards
- Only $34.3M cash against $3.1B assets signals potential liquidity constraints
Key Metrics to Watch
- Reconciliation of revenue decline and margin expansion - investigate data integrity
- Asset quality and non-performing loan trends
- Net interest margin and deposit base stability
- Interest coverage sustainability and debt refinancing needs
CZFS Financial Metrics
💡 AI Analyst Insight
The 356.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CZFS Profitability Ratios
CZFS vs Finance Sector
How CITIZENS FINANCIAL SERVICES INC compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CZFS Balance Sheet & Liquidity
CZFS 5-Year Financial Trend
5-Year Trend Summary: CITIZENS FINANCIAL SERVICES INC's revenue has grown significantly by 28% over the 5-year period, indicating strong business expansion. The most recent EPS of $3.98 reflects profitable operations.
CZFS Growth Metrics (YoY)
CZFS Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.5M | $7.5M | $1.57 |
| Q2 2025 | $2.4M | $5.3M | $1.10 |
| Q1 2025 | $2.4M | $7.0M | $1.48 |
| Q3 2024 | $2.5M | $7.5M | $1.59 |
| Q2 2024 | $2.0M | $2.7M | $0.66 |
| Q1 2024 | $2.1M | $6.9M | $1.49 |
| Q3 2023 | $2.3M | $7.5M | $1.61 |
| Q2 2023 | $2.0M | $2.7M | $0.67 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CZFS Capital Allocation
CZFS SEC Filings
Access official SEC EDGAR filings for CITIZENS FINANCIAL SERVICES INC (CIK: 0000739421)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CZFS
What is the AI rating for CZFS?
CITIZENS FINANCIAL SERVICES INC (CZFS) has an AI rating of HOLD with 35% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CZFS's key strengths?
Strong free cash flow generation at $35.2M despite revenue collapse. Positive net income growth of 31.5% YoY showing profitability.
What are the risks of investing in CZFS?
Revenue declined 93.8% YoY indicating severe operational distress or data anomaly. Mathematically implausible margins (370% net margin, 457% operating margin) suggest accounting issues or consolidated subsidiary effects not properly reflected.
What is CZFS's revenue and growth?
CITIZENS FINANCIAL SERVICES INC reported revenue of $9.9M.
Does CZFS pay dividends?
CITIZENS FINANCIAL SERVICES INC pays dividends, with $9.5M distributed to shareholders in the trailing twelve months.
Where can I find CZFS SEC filings?
Official SEC filings for CITIZENS FINANCIAL SERVICES INC (CIK: 0000739421) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CZFS's EPS?
CITIZENS FINANCIAL SERVICES INC has a diluted EPS of $7.62.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.