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 17 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).
Profitability recovered as balance-sheet leverage stayed high, letting a modest ROA improvement translate into stronger equity returns and cash generation.
Between FY2023 and FY2025, return on assets improved from0.6% to1.2% , and with reported leverage still around 8x-10x, that relatively small asset-level shift lifted return on equity from6.4% to10.8% . Just as important, the earnings rebound was cash-backed: operating cash flow rose from$26.5M to$36.5M while net income climbed from$17.8M to$36.6M .
With capital spending only
From FY2024 to FY2025, total assets were nearly flat at roughly
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Citizens Fincl S's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Citizens Fincl S passes 4 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 3 of 4 profitability signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Citizens Fincl S generates $1.00 in operating cash flow ($36.5M OCF vs $36.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Citizens Fincl S generated $9.9M in revenue in fiscal year 2025. This represents an increase of 2.8% from the prior year.
Citizens Fincl S reported $36.6M in net income in fiscal year 2025. This represents an increase of 31.5% from the prior year.
Citizens Fincl S earned $7.62 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.6% from the prior year.
Cash & Balance Sheet
Citizens Fincl S generated $35.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 10.6% from the prior year.
Citizens Fincl S held $34.3M in cash against $0 in long-term debt as of fiscal year 2025.
Citizens Fincl S paid $1.98 per share in dividends in fiscal year 2025. This represents an increase of 2.5% from the prior year.
Margins & Returns
Citizens Fincl S's net profit margin was 370.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 80.7 percentage points from the prior year.
Citizens Fincl S's ROE was 10.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.5 percentage points from the prior year.
Capital Allocation
Citizens Fincl S spent $358K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 77.2% from the prior year.
Citizens Fincl S invested $1.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 1.4% from the prior year.
CZFS Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3M+1.4% | $2.3M-16.9% | $2.8M+17.1% | $2.4M-3.0% | $2.4M+6.2% | $2.3M-8.5% | $2.5M+5.0% | $2.4M |
| 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 | $10.3M+11.5% | $9.2M-7.2% | $9.9M-0.5% | $10.0M-3.0% | $10.3M+5.8% | $9.7M+0.1% | $9.7M+1.0% | $9.6M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $14.2M-5.2% | $14.9M-1.2% | $15.1M+0.1% | $15.1M-5.7% | $16.0M-5.4% | $16.9M-2.6% | $17.4M+4.6% | $16.6M |
| Income Tax | $2.3M-8.9% | $2.6M+8.4% | $2.4M+20.6% | $2.0M+8.2% | $1.8M+2.5% | $1.8M+2.7% | $1.7M+54.0% | $1.1M |
| Net Income | $10.4M-1.0% | $10.5M+4.8% | $10.0M+18.2% | $8.5M+11.0% | $7.6M-4.5% | $8.0M+5.9% | $7.5M+42.9% | $5.3M |
| EPS (Diluted) | $2.16 | N/A | $2.09+18.7% | $1.76+10.7% | $1.59 | N/A | $1.57+42.7% | $1.10 |
CZFS Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $3.0B-1.2% | $3.1B+0.3% | $3.1B+3.0% | $3.0B-1.6% | $3.0B-0.3% | $3.0B0.0% | $3.0B+2.7% | $2.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $33.1M-3.5% | $34.3M+10.3% | $31.1M-37.2% | $49.5M+34.5% | $36.8M-12.8% | $42.2M+14.8% | $36.8M-4.3% | $38.4M |
| 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% | $85.8M0.0% | $85.8M |
| Total Liabilities | $2.7B-1.6% | $2.7B-0.1% | $2.7B+2.8% | $2.7B-2.0% | $2.7B-0.7% | $2.7B-0.1% | $2.7B+2.5% | $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 | $343.6M+1.6% | $338.1M+3.2% | $327.7M+4.5% | $313.7M+1.7% | $308.3M+2.9% | $299.7M+0.4% | $298.7M+4.3% | $286.5M |
| Retained Earnings | $221.6M+3.7% | $213.6M+3.9% | $205.5M+3.8% | $197.9M+1.7% | $194.7M+2.8% | $189.4M+3.1% | $183.8M+2.9% | $178.6M |
CZFS Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $18.0M+7.7% | $16.7M+481.9% | $2.9M-52.0% | $6.0M-45.3% | $10.9M+4.4% | $10.5M+68.5% | $6.2M+105.9% | $3.0M |
| Capital Expenditures | $125K+76.1% | $71K-51.0% | $145K-70.7% | $495K-15.4% | $585K+26.6% | $462K-26.2% | $626K+392.9% | $127K |
| Free Cash Flow | $17.9M+7.4% | $16.7M+510.2% | $2.7M-50.3% | $5.5M-47.0% | $10.4M+3.4% | $10.0M+79.1% | $5.6M+93.3% | $2.9M |
| Investing Cash Flow | $29.9M+560.7% | -$6.5M+93.7% | -$103.5M-246.5% | $70.7M+9810.7% | -$728K-316.0% | -$175K+99.8% | -$79.0M-509.5% | -$13.0M |
| Financing Cash Flow | -$49.1M-600.6% | -$7.0M-108.5% | $82.3M+228.6% | -$64.0M-309.3% | -$15.6M-221.1% | -$4.9M-106.8% | $71.2M+279.3% | $18.8M |
| Dividends Paid | $2.4M0.0% | $2.4M0.0% | $2.4M+0.6% | $2.4M+1.4% | $2.4M+1.0% | $2.3M0.0% | $2.3M-0.1% | $2.3M |
| Share Buybacks | $158K+1153.3% | -$15K-119.5% | $77K-67.8% | $239K+319.3% | $57K+2950.0% | -$2K-101.6% | $123K+241.7% | $36K |
CZFS Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 444.0%-11.0pp | 455.0%+93.9pp | 361.1%+3.5pp | 357.5%+45.1pp | 312.5%-35.1pp | 347.5%+47.3pp | 300.2%+79.5pp | 220.7% |
| Return on Equity | 3.0%-0.1pp | 3.1%+0.1pp | 3.0%+0.3pp | 2.7%+0.2pp | 2.5%-0.2pp | 2.7%+0.1pp | 2.5%+0.7pp | 1.8% |
| Return on Assets | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%0.0pp | 0.3%0.0pp | 0.3%+0.1pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 7.81-0.3 | 8.07-0.3 | 8.33-0.1 | 8.46-0.3 | 8.78-0.3 | 9.09-0.0 | 9.13-0.2 | 9.29 |
| FCF Margin | 765.6%+42.6pp | 723.1%+624.5pp | 98.5%-133.4pp | 231.9%-192.9pp | 424.8%-11.5pp | 436.3%+213.3pp | 222.9%+101.8pp | 121.1% |
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Frequently Asked Questions
What is Citizens Fincl S's annual revenue?
Citizens Fincl S (CZFS) reported $9.9M in total revenue for fiscal year 2025. This represents a 2.8% 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 2.8% year-over-year, from $9.6M to $9.9M in fiscal year 2025.
Is Citizens Fincl S profitable?
Yes, Citizens Fincl S (CZFS) reported a net income of $36.6M in fiscal year 2025, with a net profit margin of 370.1%.
What is Citizens Fincl S's net profit margin?
Citizens Fincl S (CZFS) had a net profit margin of 370.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Citizens Fincl S pay dividends?
Yes, Citizens Fincl S (CZFS) paid $1.98 per share in dividends during fiscal year 2025.
What is Citizens Fincl S's return on equity (ROE)?
Citizens Fincl S (CZFS) has a return on equity of 10.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Citizens Fincl S's free cash flow?
Citizens Fincl S (CZFS) generated $35.2M in free cash flow during fiscal year 2025. This represents a 10.6% 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 $36.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Citizens Fincl S's total assets?
Citizens Fincl S (CZFS) had $3.1B in total assets as of fiscal year 2025, 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 2025, funding long-term assets and infrastructure.
What is Citizens Fincl S's debt-to-equity ratio?
Citizens Fincl S (CZFS) had a debt-to-equity ratio of 8.07 as of fiscal year 2025, 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 1.2% for fiscal year 2025, 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 4 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.00x, considered mixed 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 59 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.