Citizens Financial Servic...
(CZFS) ✕
AI Score
Our AI model analyzes fundamental, technical, and statistical indicators
to predict the probability of a bullish trend over the next three months.
We regularly update and refine our models to deliver the most reliable forecasts
for you.
Bullish Probability | Sentiment | Score |
---|---|---|
+80% | Strong Buy | 10 |
+75% | Buy | 9 |
+70% | Buy | 8 |
+60% | Buy | 7 |
+50% | Hold | 6 |
+45% | Hold | 5 |
+40% | Hold | 4 |
+35% | Sell | 3 |
+30% | Sell | 2 |
+20% | Strong Sell | 1 |
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60.80
-1.22%
After-hours Jan 06, 2025, 04:00 PM EST
Ratios (Annual)
Discover comprehensive ratio statement breakdowns that reveal insights into revenue, expenses, and beyond.
Year | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 | FY09 | FY08 | FY07 | FY06 | FY05 | FY04 | FY03 | FY02 | FY01 | FY00 | FY99 | FY98 | FY97 | FY96 | FY95 | FY94 | FY93 |
PE Ratio | 15.93 | 10.38 | 8.14 | 8.40 | 11.00 | 10.70 | 16.67 | 13.87 | 13.89 | 12.07 | 13.21 | 8.71 | 7.75 | 10.17 | 7.43 | 7.97 | 8.43 | 11.03 | 11.31 | 14.59 | 15.46 | 12.35 | 11.74 | 10.14 | 15.07 | 19.01 | 13.32 | 11.69 | 11.20 | 11.93 | 12.91 |
PS Ratio | 3.29 | 3.68 | 3.02 | 2.87 | 3.68 | 3.51 | 4.26 | 3.82 | 4.22 | 4.29 | 4.75 | 3.24 | 2.79 | 3.48 | 2.35 | 2.26 | 2.35 | 2.83 | 2.66 | 3.55 | 3.41 | 3.14 | 2.32 | 2.22 | 3.80 | 26.40 | 19.17 | 21.99 | 22.43 | 22.52 | 22.67 |
PB Ratio | 1.01 | 1.51 | 1.12 | 1.09 | 1.39 | 1.39 | 1.68 | 1.42 | 1.35 | 1.61 | 1.92 | 1.38 | 1.22 | 1.70 | 1.19 | 1.04 | 1.17 | 1.47 | 1.44 | 1.88 | 1.96 | 1.80 | 1.32 | 1.06 | 1.98 | 2.32 | 1.97 | 1.53 | 1.49 | 1.66 | 1.71 |
P/FCF Ratio | 11.86 | 9.54 | 6.31 | 19.39 | 10.07 | 9.19 | 13.98 | 11.23 | 13.41 | 10.86 | 10.10 | 8.62 | 6.45 | 10.15 | 8.76 | 5.83 | 7.47 | 10.51 | 9.16 | 15.86 | 9.27 | 8.68 | 29.88 | -17.92 | 13.90 | 14.31 | 8.74 | 10.11 | 8.66 | 8.34 | 11.99 |
P/OCF Ratio | 10.69 | 9.07 | 6.13 | 17.85 | 9.85 | 8.98 | 13.79 | 10.82 | 12.60 | 9.98 | 9.92 | 8.36 | 6.39 | 9.13 | 7.38 | 5.31 | 7.04 | 9.12 | 7.63 | 10.73 | 8.74 | 8.19 | 12.38 | 8.32 | 10.95 | 14.31 | 8.74 | 9.43 | 8.66 | 8.34 | 11.99 |
OCF/S Ratio | 0.31 | 0.41 | 0.49 | 0.16 | 0.37 | 0.39 | 0.31 | 0.35 | 0.33 | 0.43 | 0.48 | 0.39 | 0.44 | 0.38 | 0.32 | 0.43 | 0.33 | 0.31 | 0.35 | 0.33 | 0.39 | 0.38 | 0.19 | 0.27 | 0.35 | 1.85 | 2.19 | 2.33 | 2.59 | 2.70 | 1.89 |
Debt / Equity Ratio | 1.15 | 1.29 | 0.35 | 0.46 | 0.55 | 0.65 | 0.89 | 0.65 | 0.35 | 0.42 | 0.73 | 0.91 | 0.66 | 0.82 | 0.88 | 1.16 | 1.66 | 1.74 | 1.27 | 0.86 | 0.92 | 0.44 | 0.40 | 0.37 | 0.95 | 0.26 | 0.26 | 0.69 | 0.42 | 0.85 | 0.21 |
Quick Ratio | 10.84 | 421.47 | 1.11K | 466.03 | 295.80 | 1.07K | 1.19K | 1.20K | 1.04K | 788.74 | 643.88 | 481.54 | 355.68 | 302.68 | 249.59 | 211.13 | 204.22 | 192.80 | 12.89 | 19.27 | 19.54 | 150.39 | 175.30 | 149.85 | 0.83 | n/a | n/a | n/a | n/a | n/a | n/a |
Current Ratio | 10.84 | 388.88 | 845.99 | 377.24 | 255.55 | 4.14 | 4.68 | 16.46 | 5.74 | 4.82 | 4.17 | 3.34 | 2.39 | 1.94 | 1.54 | 1.30 | 1.15 | 1.07 | 0.07 | 0.09 | 0.10 | 0.95 | 0.87 | 0.88 | 0.83 | n/a | n/a | n/a | n/a | n/a | n/a |
Asset Turnover | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Interest Coverage | 0.91 | 4.24 | 4.97 | 3.75 | 1.94 | 3.24 | 4.26 | 4.11 | 3.98 | 4.42 | 3.71 | 3.42 | 2.70 | 2.29 | 1.95 | 1.58 | 1.50 | 1.49 | 1.63 | 1.73 | 1.70 | 1.71 | 1.32 | 1.27 | 1.38 | 1.41 | 1.47 | 1.40 | 1.41 | 1.48 | 1.42 |
Return on Equity (ROE) | 0.06 | 0.15 | 0.14 | 0.13 | 0.13 | 0.13 | 0.10 | 0.10 | 0.10 | 0.13 | 0.15 | 0.16 | 0.16 | 0.17 | 0.16 | 0.13 | 0.14 | 0.13 | 0.13 | 0.13 | 0.13 | 0.15 | 0.11 | 0.11 | 0.13 | 0.12 | 0.15 | 0.13 | 0.13 | 0.14 | 0.13 |
Return on Assets (ROA) | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Return on Capital (ROIC) | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | 0.05 | 0.05 |
Dividend Yield | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.04 | 0.02 | 0.04 | 0.03 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 | 0.03 | 0.02 | 0.03 | 0.03 | 0.04 | 0.03 | 0.03 |
Payout Ratio | 0.48 | 0.26 | 0.25 | 0.26 | 0.32 | 0.34 | 0.40 | 0.40 | 0.44 | 0.46 | 0.27 | 0.32 | 0.25 | 0.27 | 0.30 | 0.41 | 0.38 | 0.42 | 0.44 | 0.42 | 0.43 | 0.34 | 0.48 | 0.52 | 0.44 | 0.42 | 0.42 | 0.40 | 0.40 | 0.40 | 0.41 |
Gross Profit Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Net Profit Margin | 20.63% | 35.49% | 37.13% | 34.10% | 33.42% | 32.84% | 25.58% | 27.56% | 30.39% | 35.51% | 35.97% | 37.15% | 36.01% | 34.16% | 31.58% | 28.37% | 27.85% | 25.65% | 23.56% | 24.31% | 22.08% | 25.41% | 19.77% | 21.90% | 25.19% | 138.84% | 143.95% | 188.16% | 200.28% | 188.71% | 175.52% |
Pretax Profit Margin | 24.92% | 43.35% | 45.04% | 41.25% | 39.97% | 39.03% | 37.43% | 34.17% | 37.50% | 44.95% | 46.06% | 48.47% | 46.13% | 43.53% | 40.17% | 33.40% | 35.18% | 32.09% | 31.00% | 31.12% | 27.89% | 33.42% | 23.79% | 26.30% | 32.59% | 200.20% | 206.80% | 270.05% | 282.33% | 271.96% | 241.27% |
Operating Profit Margin | 49.41% | 58.13% | 45.04% | 41.25% | 39.97% | 56.47% | 48.90% | 45.16% | 50.10% | 58.09% | 63.04% | 68.49% | 73.30% | 77.21% | 82.54% | 91.17% | 105.14% | 98.21% | 80.14% | 73.75% | 67.83% | 80.67% | 99.05% | 123.49% | 118.14% | 668.92% | 642.94% | 950.94% | 978.52% | 843.06% | 809.92% |
FCF Margin | 27.71% | 38.60% | 47.93% | 14.78% | 36.49% | 38.21% | 30.51% | 34.03% | 31.46% | 39.45% | 47.03% | 37.56% | 43.28% | 34.23% | 26.77% | 38.78% | 31.45% | 26.91% | 29.07% | 22.38% | 36.83% | 36.19% | 7.77% | -12.38% | 27.32% | 184.52% | 219.42% | 217.54% | 259.01% | 270.17% | 188.99% |
EBITDA Margin | 26.68% | 44.62% | 46.46% | 42.80% | 41.75% | 39.74% | n/a | n/a | n/a | n/a | n/a | -1.22% | 47.45% | 50.68% | 42.73% | 36.70% | n/a | n/a | n/a | 41.13% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |