Citizens Financial Services, Inc. is the 212th largest of 302 graded companies. Showing 5 of them, including CZFS itself. 14 more are in this industry but have no grade yet, so they are left out rather than shown blank.
| Company | Grade | Market value | Revenue | Profit margin | Free cash flow | Price to earnings |
|---|---|---|---|---|---|---|
| First Seacoast Bancorp, Inc.FSEA | B | — | $16.1M | 0.3% | -$60K | — |
| Webster Financial CorporationWBS | A+ | — | $3B | 34.5% | $1.3B | — |
| NSTS Bancorp, Inc.NSTS | D- | — | $10.8M | -0.4% | $14.5M | — |
| Texas Capital Bancshares Inc.TCBI | B | — | $1.3B | 27.0% | $518.6M | — |
| Citizens Financial Services, Inc.CZFS | A+ | $409M | $120.7M | 35.6% | $39.2M | 9.51 |
297 more banks regional companies
Graded on the same five checks, from their own SEC filings.
Three ratings, each a percentile against the 310 companies we cover in Banks Regional. Deliberately kept apart rather than blended into one score — cheap, rising and well-run are three different facts, and a single number would hide which one is which.
Near the top of its industry
The most recent month is left out on purpose: returns tend to persist over 7–12 months and the newest one tends to reverse. This describes what the price has done, and says nothing about what it will do.
Above most of its industry
Yields, so higher means cheaper — a loss-making company ranks last instead of dropping out. Cheap is not the same as good: a high yield is often a price that fell for a reason. Blended from 4 of 5 measures.
2 checks not reported
What management does with the money — scored on whatever the filings answer, never as a share of the total.
A description of where this company sits among its competitors, not a recommendation. Ratings updated Nov 14, 2026.
A blank price-to-earnings means a loss, not a missing figure — the ratio has no meaning when there are no earnings to divide by, and printing a negative one would make the least profitable company look the cheapest.
Grades are trailing twelve months from each company’s own SEC filings, so they move only when a company files. Every column is computed by the same code that graded Citizens Financial Services, Inc. on the overview — nothing here comes from a data vendor’s own ratios.
Industry membership is not a judgement about how similar two businesses are. It groups companies by what they are classified as, which is a starting point for comparison rather than a claim that they compete.
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