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Shares outstandingAs of 2026-07-29 · filed common shares: 4.80M
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Insider ownershipDirectors and officers, from their latest Form 3/4/5 holding: 5.62%
Institutional ownership: Sign in
Short interestShare of shares outstanding, at settlement: 1.55%
Short ratioDays to cover, as published by FINRA: 1.98
Short volume (5D)Share of FINRA reporting-facility volume sold short, daily flow: 62.80%
Short volume (20D)Share of FINRA reporting-facility volume sold short, daily flow: 68.40%
Avg volume (10D)

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Source: SEC filings. Information and analytics, not investment advice.

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Rev growth (fwd)

Avg volume (3 months)

Profitability

Gross margin: —
Operating margin: —
Net margin: —
EBITDA margin: —
Return on equityNet income (TTM to Jun 26) ÷ average shareholders equity: 12.32%
Return on assetsNet income (TTM to Jun 26) ÷ average total assets: 1.33%

Growth

Revenue growth (annual YoY): 10.30%
Revenue growth (latest qtr YoY): 8.77%
Revenue growth (fwd): Sign in
Net income growth (annual YoY)FY Dec 25 vs FY Dec 24: 31.47%
Net income growth (latest qtr YoY): 20.37%
EPS growth (fwd): Sign in
Net income growth (QoQ): -1.82%

Valuation

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P/E (fwd): Sign in
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Price / sales: Sign in
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EPSDiluted, TTM to Jun 26: 8.55
EPS (fwd): Sign in

Financial health

Cash & equivalentsas of Jun 26: $39.42M
Total cash: Sign in
Total debtBorrowings + finance and operating lease liabilities, as of Dec 25: $10.77M
Debt / equityas of Dec 25: 3.19%
Current ratio: —
Quick ratio: —
Operating cash flowTTM to Jun 26: $37.53M
Free cash flowUnadjusted FCF = CFO − capex · TTM to Jun 26: $36.90M
TTM revenue / diluted shareDiluted, TTM to Jun 26: 24.60

CZFS stock Statistics — Citizens Financial Services INC filings, insiders & smart money · Instaport