How profitable is Citizens Financial Services Inc. (CZFS)?

In FY 2025 (10-K), CZFS converted $9.9M of revenue into a 52% gross margin, 0% operating margin, and $36.5M in free cash flow (369.7% FCF margin).

Stock Ratings / Financials / CZFS / financials

FNLC (73) PCB (65) CHMG (67) FCBM (53) ⌘ Pro Terminal →

Citizens Financial Services Inc. (CZFS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$86.01 +0.77% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $86.34

Citizens Financial Services Inc. (CZFS) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $413.7M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CZFS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CZFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Citizens Financial Services Inc. (NASDAQ: CZFS) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $86.01 (+0.77% 1D, market cap $413.7M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CZFS ranks #115 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CZFS compare to FNLC and PCB in the Financials sector?

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Within the Financials sector (Major Banks), CZFS carries a Roarable B- (70/100 RQD), trailing P/E of 11.2x, gross margin of —, and ROIC of 10.8%. By comparison, FNLC (First Bancorp Inc (ME)) holds a B grade (73/100 RQD, P/E 12.0x, ROIC 12.1%, cap $415.4M) and PCB (PCB Bancorp) posts a C grade (65/100 RQD, P/E 10.9x, ROIC 9.6%, cap $420.5M). Among the 5-stock peer group, PCB leads on earnings multiple (10.9x) while FNLC leads on capital efficiency (12.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CZFS?

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Per CZFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000739421), Citizens Financial Services Inc. generated $9.9M in revenue (+2.8% YoY), $36.6M in net income, and $36.5M in free cash flow against $3.06B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $86.34 (+0.38%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 369.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

Quant Analyst Panel Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CZFS)Realized 20D OHLCV Swing Band: ±4.9%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY CZFS SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+15/20 pts (21% of score)

20D Institutional Volume Accumulation (±4.9% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality11/20 pts (-9 pt drag)

Capital intensity & 0% operating margin leave 9 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$78.28+4.2% Next Q

Q2 (-2Q)

Grade C+$81.57+2.8% Next Q

Q3 (-1Q)

Grade B-$83.84+2.6% Next Q

Current

Grade B-$86.01+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CZFS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, CZFS faces multiple-compression risk if 11.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($81.38) or 200D SMA ($71.05) invalidates the momentum regime and cuts Target Base ($90.65) toward Bear Floor ($70.53).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CZFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CZFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How CZFS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$36.5M (369.7% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $9.0M

FY24

Rev $9.6M

FY25

Rev $9.9M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$9.9M	52%	0%	$36.6M	$36.5M	10.8%
FY 2024	$9.6M	52%	0%	$27.8M	$33.2M	10.8%
FY 2023	$9.0M	52%	0%	$17.8M	$26.5M	10.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CZFS)

✓Walkthrough of CZFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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CZFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +36.33%📐 HORIZONTAL RANGE

2026-11-04O $85.35H $86.01L $85.35C $86.01VOL 47.9K

RES: $88.43SUP: $76.04SMA50: $81.38SMA200: $71.05

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CZFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CZFS Butterfly Map → + Track CZFS →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

1.1%/yr Implied 5Y Growth

vs. +2.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CZFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CZFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CZFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CZFS)

Financials Rank #115 of 1097 ⚔️ FNLC vs CZFS Full Matrix →

1. Head-to-Head Financials Peer Comparison (CZFS vs. FNLC, PCB, CHMG, FCBM)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Citizens Financial Services Inc. (CZFS) ranks #115 by composite RQD confidence (70/100, grade B-) and #742 by equity capitalization ($413.7M). Within this direct 5-issuer industry benchmark cohort, PCB leads on earnings valuation at 10.9x trailing P/E, while FNLC leads on capital efficiency and profitability with 12.1% ROIC and — gross margin. FNLC currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with CZFS at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CZFS ACTIVE Citizens Financial Services Inc.	B-	70/100	11.2x	—	10.8%	+0.77%	$413.7M	Benchmark Subject
FNLC First Bancorp Inc (ME)	B	73/100	12.0x	—	12.1%	+1.29%	$415.4M	/fnlc-vs-czfs →
PCB PCB Bancorp	C	65/100	10.9x	—	9.6%	+2.36%	$420.5M	/pcb-vs-czfs →
CHMG Chemung Financial Corp	C+	67/100	28.0x	—	5.9%	+1.33%	$421.5M	/chmg-vs-czfs →
FCBM First Carolina Financial Services Inc.	D+	53/100	—	—	—	+1.32%	$405.4M	/fcbm-vs-czfs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000739421 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Citizens Financial Services Inc. (CZFS) reported GAAP revenue of $9.9M (+2.8% vs. FY2024 revenue of $9.6M , and +10.1% cumulative change since FY2023) , GAAP net income of $36.6M, operating cash flow of $36.5M, and free cash flow of $36.5M (+10.1% YoY). On the balance sheet, CZFS closed FY2025 with $3.06B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$9.9M	$36.6M	$36.5M	$36.5M	$3.06B	—
FY2024 (FY)	2024-12-31	$9.6M	$27.8M	$33.2M	$33.2M	$3.03B	—
FY2023 (FY)	2023-12-31	$9.0M	$17.8M	$26.5M	$26.5M	—	—

3. CZFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CZFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does CZFS compare to FNLC and PCB in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for CZFS?

Where is CZFS trading relative to its 50-day, 200-day, and 52-week technical levels?

CZFS last traded at $86.01 (+0.77% on volume of 47,850 shares), positioning the stock +5.69% above its 50-day simple moving average ($81.38) and +21.06% above its 200-day simple moving average ($71.05). Across its 52-week range of $53.14 to $88.20, CZFS sits at the 93.8% percentile with a 14-day RSI of 67.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.9% ($81.80 to $90.22).

Direct Sub-Reports: CZFS RQD Cockpit CZFS 12M Forecast CZFS Earnings & Move CZFS Dividends & DRIP CZFS Insiders & 13F CZFS Whale Options CZFS Profit Sankey CZFS News & Why

ROARABLE RATING BRIEF • RQD 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

CZFS — Citizens Financial Services Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Citizens Financial Services Inc. (CZFS) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $86.01 (+0.77% 1D, market capitalization $413.7M).

Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 10.8%, gross margin of —, operating margin of —, and free cash flow yield of 8.95%.
Whale 13F & Options Flow (15/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (15/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Citizens Financial Services Inc. (CZFS) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry,. The profile does not describe its specific products, customer segments, or revenue model.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Citizens Financial Services Inc. (CZFS) reported $9.9M in annual revenue (up from $9.6M in FY2024, +2.8% YoY) and $36.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($9.0M revenue, $17.8M net income) through FY2025, CZFS scaled operating cash flow to $36.5M and free cash flow to $36.5M, backed by $3.06B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B- • RQD 70/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 15/20, sustained execution supports upside toward the upper end of the $53.14 – $88.20 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 11.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies are provided in the source data. The most relevant second-order watch item in the source is the credit-quality headline on real estate loan delinquencies, since a loan book stress would transmit through the balance sheet metrics (Debt/Equity, Altman Z, Piotroski) cited in the RQD rating.

Key Question #1: Can CZFS sustain or expand its — operating margin and 10.8% ROIC against Major Banks peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $9.9M and free cash flow of $36.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is CZFS's 10.4x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CZFS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Citizens Financial Services Inc. (CZFS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CZFS Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 1d ago

Why Citizens Financial Services (CZFS) is a Great Dividend Stock Right Now

Yahoo Finance report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo! Finance Canada • 1d ago

Citizens Financial Services, Inc. (CZFS) Stock Price, News, Quote & History

Yahoo! Finance Canada report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 2d ago

Eleven real estate loan relationships went more than 90 days past due, totaling about $21.4 million.

Stock Titan report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH Simply Wall St • 2d ago

Citizens Financial Services (CZFS) Q3 Earnings Meet Profit Strength And Credit Risk

Simply Wall St report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 2d ago

Citizens Financial Services (CZFS) Projected to Release Earnings on Thursday

MarketBeat report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 2d ago

Citizens Financial Services (CZFS) Stock Can Q3 Earnings Ease Credit Worries

Yahoo Finance report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 2d ago

Citizens Financial Services Q3 Net Income Rises 19.2% to $11.9 Million

Quiver Quantitative report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 2d ago

Citizens Financial Services Inc. (CZFS) Slips to $84.25 as Shares Consolidate Below Resistance - Synthetic Short

https://www.dars.gov.et/ report covering Citizens Financial Services Inc. (CZFS) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CZFS Bull vs. Bear Conversation Board — What's Your Call at $86.01?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CZFS 🐻 33% BEARISH CONVICTION

MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $99.86 (+17.0%)

📌 Pinned Debate

Net income grew from $17.8M in FY 2023 to $36.6M in FY 2025 while the stock trades at a P/E TTM of 11.2.

The street is overcomplicating Citizens Financial Services Inc. (CZFS). Net income grew from $17.8M in FY 2023 to $36.6M in FY 2025 while the stock trades at a P/E TTM of 11.2.. With an RQD score of 70/100 (B-) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $92.18.

RetailWhale_TX 🐂 BULL

Both sides have a point here — CZFS's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $73.40 (-14.0%)

Spot @ $85.35

A $21.4M real estate loan delinquency headline, flagged RED in the risk-watch feed, raises credit-quality questions for the balance she

I respect the product at Citizens Financial Services Inc., but the stock at $85.35 is a different story. A $21.4M real estate loan delinquency headline, flagged RED in the risk-watch feed, raises credit-quality questions for the balance sheet.. FCF yield is 8.95% and RQD sits at 70/100 (B-) — why pay up here when you can wait for next quarter's numbers?