What is Citizens Fincl S's earnings per share (EPS)?

Citizens Fincl S (CZFS) reported diluted earnings per share of $7.62 for fiscal year 2025. This represents a 31.6% 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.

Citizens Fincl S Financials

CZFS

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

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).

Rhea AI CZFS FY2025 2026-05-07

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 from 0.6% to 1.2%, and with reported leverage still around 8x-10x, that relatively small asset-level shift lifted return on equity from 6.4% to 10.8%. 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 $1.3M against operating cash flow of $36.5M in FY2025, free cash flow stayed close to operating cash flow; this is an asset-heavy balance sheet but not a capex-hungry operating model, so cash generation depends more on spread earnings and funding structure than on physical reinvestment.

From FY2024 to FY2025, total assets were nearly flat at roughly $3.06B, but equity increased from $299.7M to $338.1M while liabilities barely changed, meaning the capital cushion thickened even before major balance-sheet growth. That matters because reported debt-to-equity improved from 9.1x to 8.1x, so the company entered FY2025 on firmer internal capital rather than on added leverage.

Financial Health Signals

Financial Profile 29/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Citizens Fincl S's revenue grew a modest 2.8% year-over-year to $9.9M. This slow but positive growth earns a score of 42/100.

Leverage

Citizens Fincl S has elevated debt relative to equity (D/E of 8.07), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Citizens Fincl S converts 356.6% of revenue into free cash flow ($35.2M). This strong cash generation earns a score of 100/100.

Returns

Citizens Fincl S's ROE of 10.8% shows moderate profitability relative to equity, earning a score of 32/100. This is up from 9.3% the prior year.

Piotroski F-Score Neutral

4/9

Citizens Fincl S passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

1.00x

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

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Earnings & Revenue

Revenue

$9.9M

YoY+2.8%

5Y CAGR+8.2%

10Y CAGR-12.0%

Citizens Fincl S generated $9.9M in revenue in fiscal year 2025. This represents an increase of 2.8% from the prior year.

EBITDA

N/A

Net Income

$36.6M

YoY+31.5%

5Y CAGR+7.8%

10Y CAGR+12.1%

Citizens Fincl S reported $36.6M in net income in fiscal year 2025. This represents an increase of 31.5% from the prior year.

EPS (Diluted)

$7.62

YoY+31.6%

5Y CAGR+3.4%

10Y CAGR+7.8%

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

Free Cash Flow

$35.2M

YoY+10.6%

5Y CAGR+26.5%

10Y CAGR+11.3%

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.

Cash & Debt

$34.3M

YoY-18.7%

5Y CAGR-13.0%

10Y CAGR+3.5%

Citizens Fincl S held $34.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.98

YoY+2.5%

5Y CAGR+1.0%

10Y CAGR+2.0%

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.

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

370.1%

YoY+80.7pp

5Y CAGR-6.8pp

10Y CAGR+337.5pp

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.

Return on Equity

10.8%

YoY+1.5pp

5Y CAGR-2.1pp

10Y CAGR+1.1pp

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

R&D Spending

N/A

Share Buybacks

$358K

YoY+77.2%

5Y CAGR-29.9%

10Y CAGR-17.5%

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.

Capital Expenditures

$1.3M

YoY-1.4%

5Y CAGR+6.6%

10Y CAGR+5.3%

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	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$9.9M+2.8%	$9.6M+7.1%	$9.0M+4.5%	$8.6M+11.0%	$7.7M+16.2%	$6.7M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$39.4M+0.1%	$39.3M+12.5%	$35.0M+25.7%	$27.8M+7.5%	$25.9M+7.1%	$24.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$61.2M-9.9%	$67.9M+44.8%	$46.9M+317.5%	$11.2M+58.0%	$7.1M-12.3%	$8.1M
Income Tax	$8.7M+42.9%	$6.1M+61.1%	$3.8M-41.5%	$6.4M+3.8%	$6.2M+17.8%	$5.3M
Net Income	$36.6M+31.5%	$27.8M+56.2%	$17.8M-38.7%	$29.1M-0.2%	$29.1M+16.0%	$25.1M
EPS (Diluted)	$7.62+31.6%	$5.79+45.5%	$3.98-44.5%	$7.17-1.0%	$7.24+12.1%	$6.46

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	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.1B+1.3%	$3.0B+1.7%	$3.0B+27.5%	$2.3B+8.8%	$2.1B+13.3%	$1.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$34.3M-18.7%	$42.2M-20.1%	$52.8M+101.5%	$26.2M-84.8%	$172.8M+151.6%	$68.7M
Inventory	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
Goodwill	$85.8M0.0%	$85.8M0.0%	$85.8M+173.3%	$31.4M0.0%	$31.4M0.0%	$31.4M
Total Liabilities	$2.7B0.0%	$2.7B+1.1%	$2.7B+26.4%	$2.1B+10.5%	$1.9B+13.8%	$1.7B
Current Liabilities	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
Total Equity	$338.1M+12.8%	$299.7M+7.2%	$279.7M+39.7%	$200.1M-5.8%	$212.5M+9.4%	$194.3M
Retained Earnings	$213.6M+12.8%	$189.4M+9.5%	$173.0M+4.9%	$164.9M+13.0%	$146.0M+15.3%	$126.6M

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	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$36.5M+10.1%	$33.2M+25.0%	$26.5M-20.2%	$33.2M-14.1%	$38.7M+227.3%	$11.8M
Capital Expenditures	$1.3M-1.4%	$1.3M-49.8%	$2.6M+60.2%	$1.6M+47.9%	$1.1M+17.3%	$942K
Free Cash Flow	$35.2M+10.6%	$31.9M+33.2%	$23.9M-24.3%	$31.6M-15.9%	$37.6M+245.5%	$10.9M
Investing Cash Flow	-$40.1M+42.0%	-$69.1M-216.2%	$59.5M+116.4%	-$362.5M-129.1%	-$158.2M-42.9%	-$110.7M
Financing Cash Flow	-$4.4M-117.3%	$25.3M+142.6%	-$59.4M-132.5%	$182.6M-18.4%	$223.7M+50.0%	$149.1M
Dividends Paid	$9.5M+2.6%	$9.3M+9.4%	$8.5M+12.1%	$7.6M+2.8%	$7.4M+12.9%	$6.5M
Share Buybacks	$358K+77.2%	$202K-23.8%	$265K-79.3%	$1.3M-6.9%	$1.4M-35.2%	$2.1M

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	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	370.1%+80.7pp	289.5%+90.9pp	198.5%-139.9pp	338.4%-37.9pp	376.4%-0.6pp	376.9%
Return on Equity	10.8%+1.5pp	9.3%+2.9pp	6.4%-8.1pp	14.5%+0.8pp	13.7%+0.8pp	12.9%
Return on Assets	1.2%+0.3pp	0.9%+0.3pp	0.6%-0.7pp	1.3%-0.1pp	1.4%+0.0pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.07-1.0	9.09-0.5	9.64-1.0	10.66+1.6	9.09+0.4	8.74
FCF Margin	356.6%+25.0pp	331.6%+65.0pp	266.6%-101.5pp	368.1%-117.8pp	485.8%+322.5pp	163.4%

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.

Does Citizens Fincl S buy back shares?

Yes, Citizens Fincl S (CZFS) spent $358K on share buybacks during fiscal year 2025, 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 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 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 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 29 out of 100 on our Financial Profile, indicating weak 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.