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CZFS Citizens Financial Services, Inc.
Banks, Insurers & Asset Managers
C+ 61.3 / 100 composite

AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.

Profitability

Weight: 25%
C- 50

Scored using ROA (NIM proxy) — financial-archetype substitution.

  • 5yr Avg ROA 0.9%
  • Operating Margin Trend -4.87 pp/yr

Capital Efficiency

Weight: 20%
C 52

Scored using ROTCE — financial-archetype substitution.

  • 5yr Avg ROTCE 11.2%
  • 5yr Share-Count CAGR 4.2%

Growth Quality

Weight: 10%
B+ 76

Scored using BVPS — financial-archetype substitution.

  • 5yr BVPS CAGR 16.1%
  • 5yr EPS CAGR 1.8%
  • Positive-EPS Years (5) 5/5

Cash Generation

Weight: 5%
A+ 98

Scored using OCF/NI — banks have no FCF concept.

  • 5yr OCF/NI 1.23x

Balance Sheet

Weight: 30%
C+ 61

Scored using Equity/Assets — financial-archetype substitution.

  • Equity / Assets 11.0%
  • Interest Coverage (EBIT/Int) 0.74x

Stability

Weight: 10%
B+ 77
  • EPS Volatility (σ/μ) 0.30
  • Piotroski F-Score 8
  • Negative-Revenue Years (5) 0/5

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Not Followed

Not held by any curated guru.