CZFS · Nasdaq · Financials · Banks Regional
$85.02-0.3%Nov 13 close
Figures through September 30, 2026, from the 10-Q filed November 5, 2026
Up to three companies side by side: how their shares have moved, then how the businesses compare on their latest filings and year by year.
The largest companies we cover in the same industry — tap one to add or remove it. No price move is shown beside a name: it would have to be measured over one window while the chart uses another. 5 more competitors with Pro
Every line starts at 0% at the left edge of the window, so what is compared is how each price moved — not what a share of any of them costs.
The latest figures from each company’s own filings, side by side. On measures of the business — growth, margins, returns and the balance sheet — the strongest and weakest of the companies shown are marked. Price and size are left unmarked: a lower P/E is a fact about the price, not about the business.
WeakestStrongestAmong the companies shown, not the whole market.In between, the shade shows which end a figure is closer to.
| Measure | CZFSA+Citizens Financial Services, Inc.12 months to Sep 20265Strongest on 5 measures3Weakest on 3 measures | TCBIBTexas Capital Bancshares Inc.12 months to Sep 20263Strongest on 3 measures5Weakest on 5 measures |
|---|---|---|
| What you pay | ||
| P/EPrice paid for each $1 of the last year’s profit | 9.5x | — |
| Price to salesPrice paid for each $1 of the last year’s revenue | 3.4x | — |
| Price to free cash flowPrice paid for each $1 of cash left after investment | — | — |
| Dividend yieldA year of dividends as a share of today’s price | 2.4% | — |
| How fast it is growing | ||
| Revenue growth, 1 yearThe last 12 months against the 12 before | +10.8%Weakest | +10.9%Strongest |
| Revenue growth, latest quarterAgainst the same quarter a year earlier | +8.9%Strongestquarter to Sep 2026 | +4.8%Weakestquarter to Sep 2026 |
| Revenue growth, 3 yearsAverage a year over the last three fiscal years | +11.1%Strongest | +0.8%Weakest |
| Earnings per share growth, 1 yearThe last 12 months against the 12 before | +25.9%Weakest | +27.7%Strongest |
| Earnings per share growth, latest quarterAgainst the same quarter a year earlier | +18.7%Strongestquarter to Sep 2026 | +4.6%Weakestquarter to Sep 2026 |
| Earnings per share growth, 3 yearsAverage a year over the last three fiscal years | +2.0%Weakest | +3.2%Strongest |
| How much of each dollar it keeps | ||
| Gross marginShare of revenue left after the direct cost of what it sells | — | — |
| Operating marginShare of revenue left after running the business | — | — |
| Net marginShare of revenue kept as profit | 35.6%Strongest | 27.0%Weakest |
| Free cash flow marginShare of revenue kept as cash after investment | — | — |
| Returns and balance sheet | ||
| Return on equityProfit as a share of what shareholders have put in | 12.7%Strongest | 10.0%Weakest |
| Debt to equityDebt for each $1 of shareholders’ equity | 0.03 | 0.23 |
| Current ratioAssets due within a year against bills due within a year | — | — |
| How big it is | ||
| Market valueWhat all its shares are worth today | $409M | — |
| RevenueThe last 12 months, or the latest fiscal year | $120.7M | $1.3B |
| ProfitThe last 12 months, or the latest fiscal year | $43M | $363.1M |
| Free cash flowCash from operations less investment in the business | — | — |
Free cash flow is left out for CZFS and TCBI: for a lender, making loans counts as an operating outflow, so the figure says nothing comparable to other companies.
No live quote for CZFS, so its market value and multiples use the close of Nov 13, 2026.
No live quote for TCBI, so its market value and multiples use the close of Nov 6, 2026.
Not yet available: forward P/E, expected earnings growth and expected revenue growth. All three need analysts’ estimates, a licensed survey we do not hold.
Each company’s last six fiscal years, as the amount or as the change on the year before.
CZFS: not drawn, as a lender and TCBI: not drawn, as a lender
Each fiscal year is placed in the calendar year most of its months fell in — NVIDIA’s year to January 2026 sits beside AMD’s year to December 2025 — so bars in one column cover close to the same twelve months. Hover a year to see each company’s own year end. Amounts are in US dollars. TTM is the latest twelve months each company has reported, so it runs past its last fiscal year. As a % change it is measured against the twelve months a year earlier.