CZFS
Citizens Financial·NASDAQ
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2.14 / 10
Underperform
CZFS exhibits weak fundamentals, rated 'Underperform' with a 2.1/10 score. Key concerns include low Asset-MV (-0.5066) and Cash-MV (-1.3926) values, while Gross profit margin (%) at 36.70 is a positive outlier. Historical back-tests show modest one-month returns (2.9-6.1%) across factors, but the overall pattern indicates limited financial strength, supporting a challenging investment view.
Analysis Checks(5/10)
Revenue-MV
Value-0.51
Score0/3
Weight9.12%
1M Return3.38%
Value-0.51
Score0/3
Weight9.12%
1M Return3.38%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.50%
1M Return3.07%
Value100.00
Score1/3
Weight7.50%
1M Return3.07%
PB-ROE
Value-0.95
Score2/3
Weight13.56%
1M Return4.61%
Value-0.95
Score2/3
Weight13.56%
1M Return4.61%
ROE (diluted) (%)
Value7.96
Score2/3
Weight8.86%
1M Return3.55%
Value7.96
Score2/3
Weight8.86%
1M Return3.55%
ROE (%)
Value8.32
Score1/3
Weight8.54%
1M Return3.41%
Value8.32
Score1/3
Weight8.54%
1M Return3.41%
Annualized return on equity (%)
Value11.09
Score1/3
Weight8.54%
1M Return3.41%
Value11.09
Score1/3
Weight8.54%
1M Return3.41%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.54%
1M Return3.46%
Value36.70
Score3/3
Weight8.54%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.52%
1M Return3.44%
Value100.00
Score3/3
Weight8.52%
1M Return3.44%
Asset-MV
Value-0.51
Score2/3
Weight19.36%
1M Return6.09%
Value-0.51
Score2/3
Weight19.36%
1M Return6.09%
Cash-MV
Value-1.39
Score0/3
Weight7.47%
1M Return2.90%
Value-1.39
Score0/3
Weight7.47%
1M Return2.90%
Revenue-MV
Value-0.51
Score0/3
Weight9.12%
1M Return3.38%
Value-0.51
Score0/3
Weight9.12%
1M Return3.38%
Annualized return on equity (%)
Value11.09
Score1/3
Weight8.54%
1M Return3.41%
Value11.09
Score1/3
Weight8.54%
1M Return3.41%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.50%
1M Return3.07%
Value100.00
Score1/3
Weight7.50%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.54%
1M Return3.46%
Value36.70
Score3/3
Weight8.54%
1M Return3.46%
PB-ROE
Value-0.95
Score2/3
Weight13.56%
1M Return4.61%
Value-0.95
Score2/3
Weight13.56%
1M Return4.61%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.52%
1M Return3.44%
Value100.00
Score3/3
Weight8.52%
1M Return3.44%
ROE (diluted) (%)
Value7.96
Score2/3
Weight8.86%
1M Return3.55%
Value7.96
Score2/3
Weight8.86%
1M Return3.55%
Asset-MV
Value-0.51
Score2/3
Weight19.36%
1M Return6.09%
Value-0.51
Score2/3
Weight19.36%
1M Return6.09%
ROE (%)
Value8.32
Score1/3
Weight8.54%
1M Return3.41%
Value8.32
Score1/3
Weight8.54%
1M Return3.41%
Cash-MV
Value-1.39
Score0/3
Weight7.47%
1M Return2.90%
Value-1.39
Score0/3
Weight7.47%
1M Return2.90%
Is CZFS fundamentally strong?
- CZFS scores 2.14/10 on fundamentals and holds a Premium valuation at present. Backed by its 8.32% ROE, 31.27% net margin, 10.00 P/E ratio, 0.96 P/B ratio, and 23.88% earnings growth, these metrics solidify its Underperform investment rating.
