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Why CZFS Stock advanced +0.77% Today — RQD Quant Desk Flash

$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
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🤖 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-
025507510070
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-
Cash (11)Whales (15)SEC (13)Macro (15)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$107 Bull$91 Base$71 Bear
📬 FREE CZFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
62
Grade C+$78.28+4.2% Next Q
Q2 (-2Q)
65
Grade C+$81.57+2.8% Next Q
Q3 (-1Q)
67
Grade B-$83.84+2.6% Next Q
Current
70
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 →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why CZFS Stock advanced +0.77% Today — RQD Quant Desk Flash

Citizens Financial Services Inc. (CZFS) advanced +0.77% to $86.01, trading at 94% of its 52-week range ($53.14 – $88.2). High-quality cash engine (steady margins, 11% return on capital) with steady institutional support.

  • ▸Technical Tape: Trading at 94% of its 52-week range ($53.14 – $88.2) with RSI-14 at 67.8 (BULLISH MOMENTUM).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±4.9% around $86.01 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable B- (Buy) backed by 52% gross margin and $36.5M annual free cash flow.
Live CZFS Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CZFS Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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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
$90.17$82.00$73.82$65.65$57.47RES $88.43SUP $76.04$86.012026-05-052026-06-182026-08-052026-09-212026-11-04
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?

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.

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

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).

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

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.

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) ↓
🔥 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
1. Pick Your Side on CZFS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
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?

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