CZFSCITIZENS FINANCIAL SERVICES INC
State Commercial Banks
- Revenue
- $10M
- 2.8% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear100% of net incomeCash flow under 80% of net income
- Dilutive SBCClear6% of revenueOver 10% of revenue
- Payouts exceed cash flowClear27% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $8M | $9M | $9M | $10M | $10M | 2.8% |
| Net income | $29M | $29M | $18M | $28M | $37M | 31% |
| Operating cash flow | $39M | $33M | $27M | $33M | $37M | 10% |
| Capex | $1M | $2M | $3M | $1M | $1M | 1.4% |
| Stock-based comp | $614K | $336K | $309K | $412K | $625K | 52% |
| Buybacks | $1M | $1M | $265K | $202K | $358K | 77% |
| Dividends | $7M | $8M | $9M | $9M | $10M | 2.6% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
No pay-versus-performance disclosure yet.