Citizens Financial Services (CZFS) Fundamental Analysis: Revenue, Earnings & Valuation

5.20 / 10

Netural

Fundamental score is 5.2/10, indicating mixed strength. Positive drivers include Profit‑MV (+1.59) and Gross margin (48.34%). Weaknesses appear in Asset‑MV (‑0.55) and Revenue‑MV (‑0.47). PB‑ROE is negative (‑0.97), placing the stock in lower quality groups.

Analysis Checks(8/10)

Revenue-MV

Value-0.47

Score2/3

Weight12.50%

1M Return6.11%

Gross profit margin (%)

Value48.34

Score3/3

Weight6.37%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight6.37%

1M Return3.48%

Profit-MV

Value1.59

Score3/3

Weight13.27%

1M Return6.52%

Net income-Revenue

Value0.67

Score3/3

Weight13.01%

1M Return6.34%

PB-ROE

Value-0.97

Score3/3

Weight15.24%

1M Return7.42%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight6.37%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.37%

1M Return3.48%

Asset-MV

Value-0.55

Score1/3

Weight14.07%

1M Return6.13%

Cash-MV

Value0.41

Score1/3

Weight6.42%

1M Return3.40%

Is CZFS fundamentally strong?

CZFS scores 5.20/10 on fundamentals and holds a Fair valuation at present. Backed by its 11.47% ROE, 32.55% net margin, 7.88 P/E ratio, 0.85 P/B ratio, and 31.38% earnings growth, these metrics solidify its Netural investment rating.