Lumida
/CZFS
⌘K
Citizens Financial Services Inc

Citizens Financial Services Inc

CZFS
$82.21USD-1.09%-0.91 today

MARKET CAP

395.4M

P/E (TTM)

10.8x

FWD P/E

DAY RANGE

$81 – $84

52W RANGE

$52
$85

AI Summary

Stalk
StalkMedium

CZFS remains in a Stage 2 advancing regime with a primary momentum breakout signaling strong medium-term demand, yet price is now extended above rising EMAs with extreme overbought readings. Patience is warranted to await a pullback into the 9/21/50 EMA support zone before engaging. The long-term uptrend is intact, supported by a rising 200 DMA and positive relative strength. Key risks include near-term exhaustion at resistance and moderate transition risk from Stage 2 to Stage 3.

  • 47% YoY EPS surge in Q1 2026 drives robust profitability.
  • Net interest income rose 14% YoY; guiding 10–12% growth in 2026.
  • Non-performing loans over $41 M increase allowance for credit losses.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$93.1M$138.7M$169.7M$173.5M
YoY %+49.0%+22.3%+2.2%
P / Sales3.3x2.0x1.8x1.6x
EV / Sales25.9x21.2x17.7x17.2x
Gross Profit, Adj.$81.9M$91.9M$101.9M$112.3M
YoY %+12.2%+10.9%+10.3%
Margin %87.9%66.2%60.0%64.7%
EV / Gross Profit29.5x32.0x29.4x26.5x
EBITDA, Adj.$35.8M$30.8M$33.9M$45.2M
YoY %-13.8%+9.9%+33.5%
Margin %38.4%22.2%20.0%26.1%
EV / EBITDA67.4x95.3x88.4x65.8x
EBIT$35.5M$21.6M$33.9M$45.2M
YoY %-39.2%+57.0%+33.5%
Margin %38.1%15.6%20.0%26.1%
EV / EBIT67.9x136.3x88.4x65.8x
Net Income$29.1M$17.8M$27.8M$36.6M
YoY %-38.7%+56.2%+31.5%
Net Margin31.2%12.8%16.4%21.1%
EPS (GAAP)$7.17$3.98$5.79$7.62
YoY %-44.5%+45.5%+31.6%