Citizens Fincl S Financials
This page shows Citizens Fincl S (CZFS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Citizens Fincl S's revenue grew 7.1% year-over-year to $9.6M, a solid pace of expansion. This earns a growth score of 49/100.
Citizens Fincl S has elevated debt relative to equity (D/E of 9.09), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Citizens Fincl S converts 331.6% of revenue into free cash flow ($31.9M). This strong cash generation earns a score of 100/100.
Citizens Fincl S's ROE of 9.3% shows moderate profitability relative to equity, earning a score of 37/100. This is up from 6.4% the prior year.
Citizens Fincl S passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Citizens Fincl S generates $1.19 in operating cash flow ($33.2M OCF vs $27.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Citizens Fincl S generated $9.6M in revenue in fiscal year 2024. This represents an increase of 7.1% from the prior year.
Citizens Fincl S generated $31.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 33.2% from the prior year.
Citizens Fincl S reported $27.8M in net income in fiscal year 2024. This represents an increase of 56.2% from the prior year.
Citizens Fincl S earned $5.85 per diluted share (EPS) in fiscal year 2024. This represents an increase of 45.5% from the prior year.
Citizens Fincl S held $42.2M in cash against $0 in long-term debt as of fiscal year 2024.
Citizens Fincl S paid $1.95 per share in dividends in fiscal year 2024. This represents an increase of 1.6% from the prior year.
Citizens Fincl S's net profit margin was 289.5% in fiscal year 2024, showing the share of revenue converted to profit. This is up 90.9 percentage points from the prior year.
Citizens Fincl S's ROE was 9.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 2.9 percentage points from the prior year.
Citizens Fincl S spent $202K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 23.8% from the prior year.
Citizens Fincl S invested $1.3M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 49.8% from the prior year.
CZFS Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.8M+17.1% | $2.4M-3.0% | $2.4M+6.2% | $2.3M-3.9% | $2.4M-1.0% | $2.4M+6.3% | $2.3M-12.6% | $2.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $15.1M+0.1% | $15.1M-5.7% | $16.0M-5.4% | $16.9M+1.9% | $16.6M-2.2% | $17.0M+1.9% | $16.7M+16.6% | $14.3M |
| Income Tax | $2.4M+20.6% | $2.0M+11.3% | $1.8M+12.4% | $1.6M+40.3% | $1.1M-24.6% | $1.5M-12.3% | $1.7M+5.3% | $1.6M |
| Net Income | $10.0M+18.2% | $8.5M+11.0% | $7.6M-4.5% | $8.0M+51.3% | $5.3M-24.9% | $7.0M-6.8% | $7.5M-0.1% | $7.5M |
| EPS (Diluted) | $2.09+18.7% | $1.76+10.0% | $1.60-5.9% | $1.70+54.5% | $1.10-25.7% | $1.48-14.0% | $1.72+8.2% | $1.59 |
CZFS Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.1B+3.0% | $3.0B-1.6% | $3.0B-0.3% | $3.0B+2.7% | $2.9B+0.9% | $2.9B-1.8% | $3.0B+0.5% | $3.0B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $31.1M-37.2% | $49.5M+34.5% | $36.8M-12.8% | $42.2M+9.8% | $38.4M+29.8% | $29.6M-43.9% | $52.8M+21.9% | $43.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M0.0% | $85.8M+1.2% | $84.8M |
| Total Liabilities | $2.7B+2.8% | $2.7B-2.0% | $2.7B-0.7% | $2.7B+2.4% | $2.7B+0.9% | $2.6B-2.1% | $2.7B0.0% | $2.7B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $327.7M+4.5% | $313.7M+1.7% | $308.3M+2.9% | $299.7M+4.6% | $286.5M+1.3% | $282.7M+1.1% | $279.7M+6.5% | $262.7M |
| Retained Earnings | $205.5M+3.8% | $197.9M+1.7% | $194.7M+2.8% | $189.4M+6.1% | $178.6M+0.5% | $177.7M+2.7% | $173.0M+3.1% | $167.7M |
CZFS Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.9M-52.0% | $6.0M-45.3% | $10.9M+4.4% | $10.5M+246.9% | $3.0M-77.5% | $13.5M-17.0% | $16.2M+118.2% | $7.4M |
| Capital Expenditures | $145K-70.7% | $495K-15.4% | $585K+26.6% | $462K+263.8% | $127K+28.3% | $99K-68.0% | $309K-19.1% | $382K |
| Free Cash Flow | $2.7M-50.3% | $5.5M-47.0% | $10.4M+3.4% | $10.0M+246.1% | $2.9M-78.3% | $13.4M-16.0% | $15.9M+125.6% | $7.0M |
| Investing Cash Flow | -$103.5M-246.5% | $70.7M+9810.7% | -$728K-316.0% | -$175K+98.7% | -$13.0M-156.1% | $23.1M+527.5% | $3.7M+105.1% | -$72.9M |
| Financing Cash Flow | $82.3M+228.6% | -$64.0M-309.3% | -$15.6M-221.1% | -$4.9M-126.0% | $18.8M+131.4% | -$59.8M-474.2% | -$10.4M-116.2% | $64.1M |
| Dividends Paid | $2.4M+0.6% | $2.4M+1.4% | $2.4M+1.0% | $2.3M0.0% | $2.3M+1.2% | $2.3M0.0% | $2.3M0.0% | $2.3M |
| Share Buybacks | $77K-67.8% | $239K+319.3% | $57K+2950.0% | -$2K-105.6% | $36K-20.0% | $45K+4400.0% | $1K-99.6% | $264K |
CZFS Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 361.1%+3.5pp | 357.5%+45.1pp | 312.5%-35.1pp | 347.5%+126.8pp | 220.7%-70.4pp | 291.1%-40.9pp | 332.0%+41.4pp | 290.6% |
| Return on Equity | 3.0%+0.3pp | 2.7%+0.2pp | 2.5%-0.2pp | 2.7%+0.8pp | 1.8%-0.6pp | 2.5%-0.2pp | 2.7%-0.2pp | 2.9% |
| Return on Assets | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2%-0.1pp | 0.2%-0.0pp | 0.3%0.0pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 8.33-0.1 | 8.46-0.3 | 8.78-0.3 | 9.09-0.2 | 9.29-0.0 | 9.33-0.3 | 9.64-0.6 | 10.27 |
| FCF Margin | 98.5%-133.4pp | 231.9%-192.9pp | 424.8%-11.5pp | 436.3%+315.1pp | 121.1%-432.4pp | 553.5%-146.5pp | 700.1%+428.8pp | 271.3% |
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Frequently Asked Questions
What is Citizens Fincl S's annual revenue?
Citizens Fincl S (CZFS) reported $9.6M in total revenue for fiscal year 2024. This represents a 7.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Citizens Fincl S's revenue growing?
Citizens Fincl S (CZFS) revenue grew by 7.1% year-over-year, from $9.0M to $9.6M in fiscal year 2024.
Is Citizens Fincl S profitable?
Yes, Citizens Fincl S (CZFS) reported a net income of $27.8M in fiscal year 2024, with a net profit margin of 289.5%.
What is Citizens Fincl S's earnings per share (EPS)?
Citizens Fincl S (CZFS) reported diluted earnings per share of $5.85 for fiscal year 2024. This represents a 45.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Citizens Fincl S's net profit margin?
Citizens Fincl S (CZFS) had a net profit margin of 289.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does Citizens Fincl S pay dividends?
Yes, Citizens Fincl S (CZFS) paid $1.95 per share in dividends during fiscal year 2024.
What is Citizens Fincl S's return on equity (ROE)?
Citizens Fincl S (CZFS) has a return on equity of 9.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Citizens Fincl S's free cash flow?
Citizens Fincl S (CZFS) generated $31.9M in free cash flow during fiscal year 2024. This represents a 33.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Citizens Fincl S's operating cash flow?
Citizens Fincl S (CZFS) generated $33.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Citizens Fincl S's total assets?
Citizens Fincl S (CZFS) had $3.0B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Citizens Fincl S's capital expenditures?
Citizens Fincl S (CZFS) invested $1.3M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does Citizens Fincl S buy back shares?
Yes, Citizens Fincl S (CZFS) spent $202K on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
What is Citizens Fincl S's debt-to-equity ratio?
Citizens Fincl S (CZFS) had a debt-to-equity ratio of 9.09 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Citizens Fincl S's return on assets (ROA)?
Citizens Fincl S (CZFS) had a return on assets of 0.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Citizens Fincl S's Piotroski F-Score?
Citizens Fincl S (CZFS) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Citizens Fincl S's earnings high quality?
Citizens Fincl S (CZFS) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Citizens Fincl S?
Citizens Fincl S (CZFS) scores 47 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.