CZFS Citizens Financial Services, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$80.90
· of 52w range
· above low
· to high
$52.3552w low
$84.6552w high
Market Cap
$425M
P/E (TTM)
9.5
EPS (TTM)
$8.54
Revenue (TTM)
$10M
your badges
52W Range
$52–$85
Analyst Rating
BUY
Price Target
$89
P/E
9.5
ROE
12.3%
Net Profit Margin
416.5%
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CZFS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$80.90
Market Cap
$425M
P/E (TTM)
9.5
EPS (TTM)
$8.54
Revenue (TTM)
$10M
Div Yield
2.2%
ROE (TTM)
12.3%
52W Range
$52–$85
CZFS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 14, 2024 | 101-for-100 | Forward |
| June 8, 2023 | 101-for-100 | Forward |
| June 9, 2022 | 101-for-100 | Forward |
| June 14, 2018 | 101-for-100 | Forward |
| June 18, 2014 | 101-for-100 | Forward |
| June 19, 2013 | 21-for-20 | Forward |
| July 18, 2012 | 101-for-100 | Forward |
| July 15, 2009 | 101-for-100 | Forward |
| July 9, 2008 | 101-for-100 | Forward |
| July 11, 2007 | 101-for-100 | Forward |
| July 12, 2006 | 101-for-100 | Forward |
| July 13, 2005 | 101-for-100 | Forward |
| July 9, 2003 | 101-for-100 | Forward |
| July 10, 2002 | 101-for-100 | Forward |
| July 19, 2001 | 101-for-100 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$10M2018-12-31 → 2025-12-31
EPS$7.622016-12-31 → 2025-12-31
Free Cash Flow$35M2016-12-31 → 2025-12-31
Net margin416.5%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CZFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 9.55Y avg ≈10.6 | ≈10.6 | 10.1 | Undervalued | |
| P/S | 43.05Y avg ≈34.7 | ≈34.7 | 3.9 | Overvalued | |
| P/B | 1.35Y avg ≈1.2 | ≈1.2 | 1.0 | Undervalued | |
| Price / FCF | 12.15Y avg ≈10.0 | ≈10.0 | · | · | |
| Price / Cash Flow | 11.65Y avg ≈9.5 | ≈9.5 | 10.8 | Undervalued | |
| Price / Tangible Book | 1.75Y avg ≈1.6 | ≈1.6 | · | · | |
| PEG Ratio | ≈2.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CZFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 21.3%5Y avg ≈16.7% | ≈16.7% | · | · | |
| Pretax Margin (TTM) | 512.3%5Y avg ≈383.6% | ≈383.6% | 40.4% | Top tier | |
| Net Profit Margin (TTM) | 416.5%5Y avg ≈314.6% | ≈314.6% | 33.3% | Top tier | |
| ROA (TTM) | 1.3%5Y avg ≈1.1% | ≈1.1% | 1.1% | Top tier | |
| ROE (TTM) | 12.3%5Y avg ≈11.2% | ≈11.2% | 11.3% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CZFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 2.8%5Y avg ≈8.3% | ≈8.3% | · | · | |
| Revenue CAGR 3Y | 4.8%5Y avg ≈7.6% | ≈7.6% | · | · | |
| Revenue CAGR 5Y | 8.2% | · | · | · | |
| EPS YoY | 31.6%5Y avg ≈8.7% | ≈8.7% | · | · | |
| Net Income YoY | 31.5%5Y avg ≈12.9% | ≈12.9% | · | · | |
| EPS CAGR 3Y | 2.1%5Y avg ≈-6.7% | ≈-6.7% | · | · | |
| EPS CAGR 5Y | 3.4% | · | · | · | |
| Net Income CAGR 3Y | 8.0%5Y avg ≈-1.5% | ≈-1.5% | · | · | |
| Net Income CAGR 5Y | 7.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CZFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$25.5K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.2%
Payout Ratio26.1%
Annualized Payout≈$2.04
5Y Div CAGR≈2.2%
Growth Streak≈12
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 11, 2026 | $0.51 | USD | ≈2.5% |
| Jun 12, 2026 | $0.51 | USD | ≈2.9% |
| Mar 13, 2026 | $0.50 | USD | ≈3.4% |
| Dec 12, 2025 | $0.50 | USD | ≈3.2% |
| Sep 12, 2025 | $0.50 | USD | ≈3.1% |
| Jun 13, 2025 | $0.49 | USD | ≈3.6% |
| Mar 14, 2025 | $0.50 | USD | ≈3.4% |
| Dec 13, 2024 | $0.49 | USD | ≈2.8% |
| Sep 13, 2024 | $0.49 | USD | ≈3.5% |
| Jun 14, 2024 | $0.49 | USD | ≈4.6% |
| Mar 14, 2024 | $0.49 | USD | ≈4.7% |
| Dec 14, 2023 | $0.49 | USD | ≈3.0% |
| Sep 14, 2023 | $0.49 | USD | ≈3.8% |
| Jun 8, 2023 | $0.48 | USD | ≈2.1% |
| Mar 9, 2023 | $0.48 | USD | ≈2.5% |
| Dec 15, 2022 | $0.47 | USD | ≈2.5% |
| Sep 15, 2022 | $0.47 | USD | ≈2.5% |
| Jun 9, 2022 | $0.47 | USD | ≈2.7% |
| Mar 10, 2022 | $0.46 | USD | ≈3.0% |
| Dec 15, 2021 | $0.46 | USD | ≈3.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
7.4%
Next Report
Oct 30, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 30, 2026 | $2.12 | $2.02 | 5.0% |
| March 31, 2026 | $2.16 | $2.02 | 7.0% | |
| Dec. 31, 2025 | $2.18 | $2.11 | 3.2% | |
| Sept. 30, 2025 | $2.09 | $1.80 | 16.4% | |
| June 30, 2025 | $1.76 | $1.64 | 7.6% | |
| March 31, 2025 | $1.58 | $1.50 | 5.3% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $10M | $10M | $9M | $9M | $8M | $7M | $7M | $7M | |
| Interest Expense | · | · | $47M | $11M | $7M | $8M | $12M | $10M | |
| Interest Income | $159M | $154M | $127M | $83M | $73M | $70M | $62M | $57M | |
| Pretax Income | $45M | $34M | $22M | $35M | $35M | $30M | $23M | $21M | |
| Income Tax | $9M | $6M | $4M | $6M | $6M | $5M | $4M | $3M | |
| Net Income | $37M | $28M | $18M | $29M | $29M | $25M | $19M | $18M | |
| EPS (Basic) | $7.62 | $5.80 | $3.98 | $7.17 | $7.24 | $6.46 | $5.42 | $5.04 | |
| EPS (Diluted) | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 | $6.46 | $5.41 | $5.04 | |
| Shares (Basic) | 4,797,520 | 4,797,258 | 4,476,235 | 4,055,520 | 4,023,294 | 3,883,027 | 3,597,709 | 3,577,992 | |
| Shares (Diluted) | 4,800,093 | 4,802,139 | 4,476,235 | 4,055,520 | 4,023,294 | 3,884,868 | 3,599,805 | 3,579,980 | |
| EBITDA | $2M | $2M | $2M | $1M | $1M | $-3M | $498.0K | $387.0K |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $34M | $42M | $53M | $26M | $173M | $69M | $19M | $17M | |
| PP&E (Net) | $21M | $21M | $21M | $18M | $17M | $17M | $16M | $16M | |
| PP&E (Gross) | $40M | $40M | $39M | $34M | $33M | $32M | $30M | $30M | |
| Accum. Depreciation | $19M | $19M | $18M | $17M | $16M | $15M | $14M | $13M | |
| Goodwill | $86M | $86M | $86M | $31M | $31M | $31M | $23M | $23M | |
| Intangibles | $2M | $3M | $4M | $1M | $2M | $2M | $1M | $2M | |
| Total Assets | $3.06B | $3.03B | $2.98B | $2.33B | $2.14B | $1.89B | $1.47B | $1.43B | |
| Total Liabilities | $2.73B | $2.73B | $2.70B | $2.13B | $1.93B | $1.70B | $1.31B | $1.29B | |
| Common Stock | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $4M | |
| Paid-in Capital | $148M | $145M | $143M | $81M | $78M | $76M | $55M | $53M | |
| Retained Earnings | $214M | $189M | $173M | $165M | $146M | $127M | $111M | $100M | |
| Treasury Stock | $16M | $16M | $17M | $17M | $16M | $15M | $14M | $14M | |
| AOCI | $-12M | $-24M | $-25M | $-33M | $-155.0K | $3M | $-629.0K | $-4M | |
| Stockholders' Equity | $338M | $300M | $280M | $200M | $212M | $194M | $155M | $139M | |
| Liabilities + Equity | $3.06B | $3.03B | $2.98B | $2.33B | $2.14B | $1.89B | $1.47B | $1.43B | |
| Shares Outstanding | 5,255,807 | 5,207,577 | 5,160,754 | 4,427,687 | 4,388,901 | 4,350,342 | 3,938,668 | 3,904,212 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $387.0K | |
| Stock-based Comp | $625.0K | $412.0K | $309.0K | $336.0K | $614.0K | $473.0K | $369.0K | $308.0K | |
| Deferred Tax | $797.0K | $2M | $595.0K | $-36.0K | $689.0K | $367.0K | $317.0K | $-435.0K | |
| Amort. of Intangibles | $744.0K | $861.0K | $674.0K | $461.0K | $457.0K | $395.0K | $440.0K | $480.0K | |
| Other Non-cash | $-4M | $1M | $6M | $3M | $7M | $-11M | $1M | $3M | |
| Operating Cash Flow | $37M | $33M | $27M | $33M | $39M | $12M | $22M | $21M | |
| CapEx | $1M | $1M | $3M | $2M | $1M | $942.0K | $483.0K | $500.0K | |
| Investing Cash Flow | $-40M | $-69M | $59M | $-362M | $-158M | $-111M | $-32M | $-72M | |
| Debt Issued | $0 | $0 | $40M | $0 | $10M | $20M | $10M | $10.0K | |
| Net Debt Issued | $-42M | $-35M | $40M | $-5M | $-17M | $5M | $7M | $-990.0K | |
| Stock Issued | $68.0K | $16.0K | $0 | $0 | · | · | · | · | |
| Stock Repurchased | $358.0K | $202.0K | $265.0K | $1M | $1M | $2M | $1M | $1M | |
| Net Stock Activity | $-290.0K | $-186.0K | $-265.0K | $-1M | $-1M | $-2M | $-1M | $-1M | |
| Dividends Paid | $10M | $9M | $9M | $8M | $7M | $7M | $6M | $6M | |
| Financing Cash Flow | $-4M | $25M | $-59M | $183M | $224M | $149M | $12M | $49M | |
| Net Change in Cash | · | · | · | · | · | · | · | $-2M | |
| Taxes Paid | $7M | $3M | $5M | · | · | · | · | · | |
| Free Cash Flow | $35M | $32M | $24M | $32M | $38M | $11M | $21M | $21M | |
| Levered FCF | · | · | $-15M | $22M | $32M | $4M | $11M | $13M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 370.1% | 289.5% | 198.5% | 338.4% | 376.4% | 376.9% | 281.4% | 276.9% | |
| Pretax Margin | 457.8% | 350.5% | 239.8% | 413.4% | 456.5% | 455.9% | 336.6% | 329.2% | |
| EBITDA Margin | 21.3% | 18.8% | 16.9% | 12.0% | 14.4% | -42.4% | 7.2% | 5.9% | |
| ROA | 1.2% | 0.93% | 0.67% | 1.3% | 1.4% | 1.5% | 1.4% | 1.3% | |
| ROE | 11.2% | 9.3% | 6.6% | 14.8% | 13.8% | 13.1% | 12.7% | 13.2% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $64.32 | $57.56 | $54.19 | $45.20 | $48.42 | $44.65 | $39.30 | $35.66 | |
| Revenue / Share | $2.06 | $2.02 | $2.05 | $2.16 | $1.96 | $1.75 | $1.97 | $1.86 | |
| Cash Flow / Share | $7.61 | $6.98 | $6.06 | $8.37 | $9.81 | $3.10 | $6.18 | $6.13 | |
| Cash / Share | $6.52 | $8.10 | $10.23 | $5.92 | $39.38 | $15.79 | $4.70 | $4.30 | |
| Dividend / Share | $1.98 | $1.93 | $1.90 | $1.86 | $1.83 | $1.88 | $1.74 | $1.71 | |
| Dividend Paid / Share | · | $1.95 | $1.92 | $1.86 | $1.83 | $1.88 | $1.74 | $1.71 | |
| EPS (TTM) | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 | $6.46 | $5.41 | $5.04 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 2.8% | 7.1% | 4.5% | 11.0% | 16.2% | · | · | · | |
| Revenue CAGR 3Y | 4.8% | 7.5% | 10.4% | · | · | · | · | · | |
| Revenue CAGR 5Y | 8.2% | · | · | · | · | · | · | · | |
| EPS YoY | 31.6% | 45.5% | -44.5% | -0.97% | 12.1% | · | · | · | |
| EPS CAGR 3Y | 2.1% | -7.2% | -14.9% | · | · | · | · | · | |
| EPS CAGR 5Y | 3.4% | · | · | · | · | · | · | · | |
| Net Income YoY | 31.5% | 56.2% | -38.7% | -0.20% | 16.0% | · | · | · | |
| Net Income CAGR 3Y | 8.0% | -1.5% | -10.8% | · | · | · | · | · | |
| Net Income CAGR 5Y | 7.8% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 7.9% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $10M | $10M | $9M | $9M | $8M | $7M | $7M | $7M | |
| Net Income TTM | $37M | $28M | $18M | $29M | $29M | $25M | $19M | $18M | |
| Market Cap | $300M | $330M | $331M | $333M | $259M | $236M | $235M | $211M | |
| P/E | 7.5 | 10.9 | 16.1 | 10.5 | 8.1 | 8.4 | 11.0 | 10.7 | |
| P/S | 30.3 | 34.3 | 36.9 | 38.8 | 33.4 | 35.5 | 33.9 | 32.3 | |
| P/B | 0.9 | 1.1 | 1.2 | 1.7 | 1.2 | 1.2 | 1.5 | 1.5 | |
| P / Tangible Book | 1.2 | 1.6 | 1.7 | 2.0 | 1.4 | 1.5 | · | · | |
| P / Cash Flow | 8.2 | 9.9 | 12.5 | 10.0 | 6.7 | 20.0 | 10.8 | 9.8 | |
| P / FCF | 8.5 | 10.3 | 13.8 | 10.5 | 6.9 | 21.7 | 11.0 | 10.0 | |
| Dividend Yield | 3.2% | 2.8% | 2.6% | 2.3% | 2.9% | 2.8% | 2.7% | 2.9% | |
| Earnings Yield | 13.4% | 9.2% | 6.2% | 9.5% | 12.3% | 11.9% | 9.1% | 9.3% | |
| Payout Ratio | 26.1% | 33.4% | 47.7% | 26.1% | 25.4% | 26.1% | 32.4% | 33.9% | |
| Annual Payout | $10M | $9M | $9M | $8M | $7M | $7M | $6M | $6M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2M | $2M | $2M | $3M | $2M | $2M | $2M | $3M | $2M | $2M | $2M | $3M | $2M | $2M | $2M | $2M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $17M | · | $14M | $9M | $7M | · | $3M | |
| Interest Income | $40M | $40M | $41M | $40M | $39M | $39M | $40M | $39M | $38M | $38M | $39M | $37M | $27M | $25M | $24M | $22M | |
| Pretax Income | $12M | $13M | $13M | $12M | $10M | $9M | $10M | $9M | $6M | $9M | $9M | $9M | $-5M | $8M | $10M | $9M | |
| Income Tax | $2M | $2M | $3M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $2M | $2M | $-1M | $2M | $2M | $2M | |
| Net Income | $10M | $10M | $10M | $10M | $8M | $8M | $8M | $8M | $5M | $7M | $8M | $8M | $-4M | $7M | $8M | $8M | |
| EPS (Basic) | $2.12 | $2.16 | $2.17 | $2.09 | $1.76 | $1.59 | $1.65 | $1.57 | $1.10 | $1.48 | $1.68 | $1.59 | $-1.00 | $1.71 | $1.88 | $1.88 | |
| EPS (Diluted) | $2.12 | $2.16 | $2.17 | $2.09 | $1.76 | $1.59 | $1.64 | $1.57 | $1.10 | $1.48 | $1.68 | $1.59 | $-1.00 | $1.71 | $1.88 | $1.88 | |
| Shares (Basic) | 4,797,940 | 4,798,170 | · | 4,796,946 | 4,797,716 | 4,797,611 | · | 4,796,752 | 4,796,000 | 4,748,442 | · | 4,746,541 | 4,159,966 | 4,005,370 | · | 4,006,794 | |
| Shares (Diluted) | 4,802,193 | 4,799,078 | · | 4,798,051 | 4,800,384 | 4,799,016 | · | 4,798,297 | 4,800,770 | 4,748,442 | · | 4,746,541 | 4,159,966 | 4,005,375 | · | 4,007,028 | |
| EBITDA | · | $470.0K | · | · | · | $449.0K | · | · | · | $499.0K | · | · | · | $264.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $39M | $33M | $34M | $31M | $49M | $37M | $42M | $37M | $38M | $30M | · | $43M | $45M | $26M | · | $23M | |
| PP&E (Net) | $21M | $21M | $21M | $22M | $22M | $22M | $21M | $21M | $21M | $21M | · | $21M | $21M | $18M | · | $17M | |
| PP&E (Gross) | · | · | $40M | · | · | · | $40M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $19M | · | · | · | $19M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $86M | $86M | $86M | $86M | $86M | $86M | $86M | $86M | $86M | $86M | · | $85M | $85M | $31M | · | $31M | |
| Intangibles | $2M | $2M | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $3M | · | $4M | $4M | $1M | · | $1M | |
| Total Assets | $3.19B | $3.03B | $3.06B | $3.06B | $2.97B | $3.02B | $3.03B | $3.03B | $2.95B | $2.92B | · | $2.96B | $2.89B | $2.34B | · | $2.35B | |
| Total Liabilities | $2.84B | $2.68B | $2.73B | $2.73B | $2.65B | $2.71B | $2.73B | $2.73B | $2.66B | $2.64B | · | $2.70B | $2.63B | $2.12B | · | $2.16B | |
| Common Stock | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | · | $5M | $5M | $4M | · | $4M | |
| Paid-in Capital | $148M | $148M | $148M | $148M | $148M | $145M | $145M | $145M | $145M | $143M | · | $143M | $143M | $81M | · | $81M | |
| Retained Earnings | $229M | $222M | $214M | $206M | $198M | $195M | $189M | $184M | $179M | $178M | · | $168M | $162M | $172M | · | $159M | |
| Treasury Stock | $17M | $17M | $16M | $16M | $16M | $16M | $16M | $16M | $16M | $17M | · | $17M | $17M | $17M | · | $17M | |
| AOCI | $-13M | $-15M | $-12M | $-15M | $-21M | $-20M | $-24M | $-19M | $-26M | $-27M | · | $-37M | $-31M | $-27M | · | $-36M | |
| Stockholders' Equity | $353M | $344M | $338M | $328M | $314M | $308M | $300M | $299M | $286M | $283M | $280M | $263M | $263M | $213M | $200M | $191M | |
| Liabilities + Equity | $3.19B | $3.03B | $3.06B | $3.06B | $2.97B | $3.02B | $3.03B | $3.03B | $2.95B | $2.92B | · | $2.96B | $2.89B | $2.34B | · | $2.35B | |
| Shares Outstanding | · | · | 5,255,807 | · | 5,255,190 | 5,207,824 | 5,207,577 | 5,207,343 | 5,207,343 | 5,160,754 | 5,160,754 | 5,160,754 | 5,160,754 | 4,427,687 | 4,427,687 | 4,427,687 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $444.0K | $470.0K | $690.0K | $493.0K | $472.0K | $449.0K | $425.0K | $423.0K | $459.0K | $499.0K | $498.0K | $492.0K | $266.0K | $264.0K | $260.0K | $254.0K | |
| Deferred Tax | $445.0K | $-187.0K | $250.0K | $-76.0K | $732.0K | $-109.0K | $475.0K | $871.0K | $303.0K | $122.0K | $240.0K | $230.0K | $190.0K | $-65.0K | $-122.0K | $-208.0K | |
| Amort. of Intangibles | $163.0K | $173.0K | $175.0K | $181.0K | $191.0K | $197.0K | · | $206.0K | $221.0K | $229.0K | · | $237.0K | $106.0K | $104.0K | · | $114.0K | |
| Other Non-cash | · | $7M | · | · | · | $3M | · | · | · | $6M | · | · | · | $3M | · | · | |
| Operating Cash Flow | $-89.0K | $18M | $17M | $3M | $6M | $11M | $10M | $6M | $3M | $13M | $16M | $7M | $-8M | $10M | $9M | $9M | |
| CapEx | $287.0K | $125.0K | $71.0K | $145.0K | $495.0K | $585.0K | $462.0K | $626.0K | $127.0K | $99.0K | $309.0K | $382.0K | $2M | $208.0K | $484.0K | $252.0K | |
| Investing Cash Flow | $-140M | $30M | $-6M | $-104M | $71M | $-728.0K | $-175.0K | $-79M | $-13M | $23M | $4M | $-73M | $123M | $5M | $22M | $-143M | |
| Debt Issued | · | · | · | · | · | · | $0 | $0 | · | · | $20M | $0 | · | · | $0 | $0 | |
| Net Debt Issued | · | · | · | · | · | $0 | · | · | · | $-5M | · | · | · | $0 | · | · | |
| Stock Issued | $19.0K | $16.0K | · | · | $17.0K | $15.0K | · | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | $147.0K | $158.0K | $-15.0K | $77.0K | $239.0K | $57.0K | $-2.0K | $123.0K | $36.0K | $45.0K | $1.0K | $264.0K | $0 | $0 | $0 | $0 | |
| Net Stock Activity | · | $-142.0K | · | · | · | $-57.0K | · | · | · | $-45.0K | · | · | · | $0 | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $146M | $-49M | $-7M | $82M | $-64M | $-16M | $-5M | $71M | $19M | $-60M | $-10M | $64M | $-97M | $-16M | $-28M | $137M | |
| Free Cash Flow | · | $18M | · | · | · | $10M | · | · | · | $13M | · | · | · | $10M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-668.7K | · | · | · | $5M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 417.0% | 444.0% | · | 361.1% | 357.5% | 312.5% | · | 300.2% | 220.7% | 291.1% | · | 290.6% | -203.7% | 331.7% | · | 332.8% | |
| Pretax Margin | 505.2% | 543.5% | · | 446.0% | 440.1% | 384.4% | · | 368.5% | 267.3% | 352.3% | · | 352.2% | -262.1% | 409.5% | · | 405.8% | |
| EBITDA Margin | · | 20.1% | · | · | · | 18.4% | · | · | · | 20.7% | · | · | · | 12.8% | · | · | |
| ROA | 0.33% | 0.34% | · | 0.33% | 0.29% | 0.26% | · | 0.25% | 0.18% | 0.27% | · | 0.28% | -0.16% | 0.30% | · | 0.34% | |
| ROE | 3.1% | 3.2% | · | 3.2% | 2.8% | 2.6% | · | 2.7% | 1.9% | 2.8% | · | 3.3% | -1.8% | 3.3% | · | 3.8% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | · | · | · | $59.68 | $59.20 | · | $57.35 | $55.01 | $54.77 | · | $50.90 | $51.01 | $48.16 | · | $43.23 | |
| Revenue / Share | $0.51 | $0.49 | · | $0.58 | $0.49 | $0.51 | · | $0.53 | $0.50 | $0.51 | · | $0.55 | $0.49 | $0.52 | · | $0.57 | |
| Cash Flow / Share | · | $3.75 | · | · | · | $2.30 | · | · | · | $2.86 | · | · | · | $2.62 | · | · | |
| Cash / Share | · | · | · | · | $9.42 | $7.06 | · | $7.06 | $7.38 | $5.74 | · | $8.40 | $8.66 | $5.91 | · | $5.23 | |
| Dividend / Share | $0.51 | $0.50 | $0.49 | $0.50 | $0.49 | $0.49 | $0.48 | $0.48 | $0.48 | $0.48 | $0.46 | $0.48 | $0.47 | $0.48 | $0.45 | $0.47 | |
| Dividend Paid / Share | · | · | · | $0.50 | $0.49 | $0.49 | · | $0.48 | $0.48 | $0.48 | · | $0.48 | $0.47 | $0.48 | $0.45 | $0.47 | |
| EPS (TTM) | $8.54 | $8.18 | · | $7.08 | $6.56 | $5.90 | · | $5.83 | $5.85 | $3.75 | · | $4.18 | $4.47 | $7.19 | · | $6.95 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $10M | $10M | · | $10M | $10M | $10M | · | $10M | $10M | $9M | · | $9M | $8M | $9M | · | $9M | |
| Net Income TTM | $41M | $39M | · | $34M | $32M | $28M | · | $27M | $27M | $18M | · | $18M | $18M | $29M | · | $28M | |
| Market Cap | · | · | · | · | $309M | $302M | · | $306M | $234M | $251M | · | $245M | $381M | $363M | · | $305M | |
| P/E | 8.5 | 7.5 | · | 8.5 | 9.0 | 9.8 | · | 10.1 | 7.7 | 13.0 | · | 11.4 | 16.5 | 11.4 | · | 9.9 | |
| P/S | · | · | · | · | 32.1 | 31.4 | · | 31.9 | 24.2 | 27.0 | · | 27.9 | 45.1 | 42.5 | · | 35.7 | |
| P/B | · | · | · | · | 1.0 | 1.0 | · | 1.0 | 0.8 | 0.9 | · | 0.9 | 1.4 | 1.7 | · | 1.6 | |
| P / Tangible Book | · | · | · | · | 1.4 | 1.4 | · | 1.5 | 1.2 | 1.3 | · | 1.4 | 2.2 | 2.0 | · | 1.9 | |
| P / Cash Flow | · | · | · | · | · | 27.6 | · | · | · | 18.7 | · | · | · | 34.8 | · | · | |
| Dividend Yield | · | · | · | · | 3.0% | 3.1% | · | 3.0% | 4.0% | 3.5% | · | 3.3% | 2.0% | 2.1% | · | 2.5% | |
| Earnings Yield | 11.8% | 13.4% | · | 11.8% | 11.2% | 10.2% | · | 9.9% | 13.0% | 7.7% | · | 8.8% | 6.1% | 8.8% | · | 10.1% | |
| Payout Ratio | · | 23.2% | · | · | · | 30.9% | · | · | · | 32.8% | · | · | · | 28.1% | · | · | |
| Annual Payout | $10M | $10M | · | $9M | $9M | $9M | · | $9M | $9M | $9M | · | $8M | $8M | $8M | · | $8M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $10M | $10M | $9M | $9M | $8M |
| Net Income | $37M | $28M | $18M | $29M | $29M |
| Diluted EPS | $7.62 | $5.79 | $3.98 | $7.17 | $7.24 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $35M | $32M | $24M | $32M | $38M |
Institutional owners (13F) 90 filers · $120.9M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
90
Value held
$120.9M
New positions
6
Exited positions
3
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 6 (-6 vs prior Q) | 3 (-2 vs prior Q) | 34 (+4 vs prior Q) | 22 (-4 vs prior Q) | +85K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $25,683,675 | 354,551 | 21.24% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $14,545,155 | 200,789 | 12.03% | Shares |
| VANGUARD GROUP INC | $14,448,811 | 253,399 | 11.95% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $8,681,066 | 119,810 | 7.18% | Shares |
| CITIZENS & NORTHERN CORP | $8,480,044 | 117,063 | 7.01% | Shares |
| STATE STREET CORP | $6,724,967 | 92,835 | 5.56% | Shares |
| Hudock, Inc. | $5,657,005 | 78,092 | 4.68% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,195,184 | 44,108 | 2.64% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $2,803,138 | 38,696 | 2.32% | Shares |
| NORTHERN TRUST CORP | $2,707,083 | 37,370 | 2.24% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,331,988 | 32,192 | 1.93% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $2,291,616 | 31,639 | 1.89% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,268,386 | 31,314 | 1.88% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $1,499,580 | 20,701 | 1.24% | Shares |
| De Lisle Partners LLP | $1,480,035 | 20,519 | 1.22% | Shares |
| Quantinno Capital Management LP | $1,477,490 | 20,396 | 1.22% | Shares |
| Cyndeo Wealth Partners, LLC | $1,186,640 | 16,381 | 0.98% | Shares |
| Bank of New York Mellon Corp | $1,186,262 | 16,376 | 0.98% | Shares |
| GOLDMAN SACHS GROUP INC | $867,977 | 11,982 | 0.72% | Shares |
| LAWOOD & CO | $776,991 | 10,726 | 0.64% | Shares |
| STRS OHIO | $709,912 | 9,800 | 0.59% | Shares |
| Trexquant Investment LP | $698,539 | 9,643 | 0.58% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $680,938 | 9,400 | 0.56% | Shares |
| MARSHALL WACE, LLP | $659,785 | 9,108 | 0.55% | Shares |
| WELLS FARGO & COMPANY/MN | $590,604 | 8,153 | 0.49% | Shares |
| GREAT LAKES ADVISORS, LLC | $564,815 | 7,797 | 0.47% | Shares |
| Nuveen, LLC | $558,005 | 7,703 | 0.46% | Shares |
| CITADEL ADVISORS LLC | $525,480 | 7,254 | 0.43% | Shares |
| BANK OF AMERICA CORP /DE/ | $494,620 | 6,828 | 0.41% | Shares |
| Squarepoint Ops LLC | $475,206 | 6,560 | 0.39% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $463,326 | 6,396 | 0.38% | Shares |
| RAYMOND JAMES FINANCIAL INC | $450,679 | 6,221 | 0.37% | Shares |
| MORGAN STANLEY | $446,666 | 6,166 | 0.37% | Shares |
| BAILARD, INC. | $425,150 | 5,869 | 0.35% | Shares |
| RHUMBLINE ADVISERS | $416,850 | 5,749 | 0.34% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $376,108 | 5,192 | 0.31% | Shares |
| WEATHERLY ASSET MANAGEMENT L. P. | $356,695 | 4,924 | 0.29% | Shares |
| Invesco Ltd. | $351,045 | 4,846 | 0.29% | Shares |
| DEUTSCHE BANK AG\ | $326,704 | 4,510 | 0.27% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $263,810 | 3,642 | 0.22% | Shares |
| MILLENNIUM MANAGEMENT LLC | $261,436 | 3,609 | 0.22% | Shares |
| PNC Financial Services Group, Inc. | $259,262 | 3,579 | 0.21% | Shares |
| BARCLAYS PLC | $197,833 | 2,731 | 0.16% | Shares |
| UBS Group AG | $194,429 | 2,684 | 0.16% | Shares |
| MetLife Investment Management, LLC | $192,546 | 2,658 | 0.16% | Shares |
| Russell Investments Group, Ltd. | $176,464 | 2,436 | 0.15% | Shares |
| CITIGROUP INC | $162,265 | 2,240 | 0.13% | Shares |
| Farther Finance Advisors, LLC | $156,070 | 2,155 | 0.13% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $154,370 | 2,131 | 0.13% | Shares |
| JPMORGAN CHASE & CO | $147,474 | 2,062 | 0.12% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| R. Lowell Coolidge | Feb. 19, 2008 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 46 insiders · 21 officers · 25 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Randall E Black | CEO & PRESIDENT | June 25, 2026 A | 46,487 | 3 | 0 | $27,056 |
| Richard E Wilber | President | Aug. 5, 2003 P | 9,146 | 0 | 0 | $0 |
| Stephen J Guillaume | SENIOR VICE PRESIDENT | Aug. 31, 2026 P | 5,094 | 4 | 0 | $5,525 |
| David Z Richards JR | EXECUTIVE VICE PRESIDENT | July 22, 2026 A | 1,851 | 0 | 0 | $0 |
| Leeann Gephart | EXECUTIVE VICE PRESIDENT | July 9, 2026 S | 946 | 0 | 3 | $-4,557 |
| Jeffrey R White | EXECUTIVE VICE PRESIDENT | June 25, 2026 A | 2,010 | 0 | 0 | $0 |
| Jeffrey L Wilson | EXECUTIVE VICE PRESIDENT | June 25, 2026 A | 8,337 | 0 | 0 | $0 |
| Zerick D Cook | EXECUTIVE VICE PRESIDENT | June 28, 2024 J | 1,991 | 0 | 0 | $0 |
| Sean P Mckinney | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Amy C Wood | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Christopher S Landis | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Jeffrey B Carr | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Gregory A Anna | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Robert B Mr Mosso | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Kathleen M Campbell | SENIOR VICE PRESIDENT | April 20, 2021 | · | 0 | 0 | $0 |
| Dwight D Rohrer | SENIOR VICE PRESIDENT | June 26, 2020 J | 1,255 | 0 | 0 | $0 |
| Douglas L Byers | SENIOR VICE PRESIDENT | Nov. 13, 2019 J | 918 | 0 | 0 | $0 |
| Cynthia T Pazzaglia | SENIOR VICE PRESIDENT | June 29, 2018 J | 6,601 | 0 | 0 | $0 |
| Douglas W Whitten | SENIOR VICE PRESIDENT | July 27, 2007 P | 398 | 0 | 0 | $0 |
| Thomas C Lyman | VICE PRESIDENT | July 27, 2007 P | 153 | 0 | 0 | $0 |
| Alex D Nadalini | SENIOR VICE PRESIDENT | July 29, 2005 P | 28 | 0 | 0 | $0 |
| Joseph R Landy | Director | Sept. 22, 2026 G | 28,051 | 0 | 0 | $0 |
| John P Painter II | Director | Sept. 15, 2026 A | 3,991 | 3 | 0 | $62,972 |
| Janie M Hilifger | Director | Sept. 15, 2026 A | 3,959 | 0 | 0 | $0 |
| Christopher W Kunes | Director | Sept. 15, 2026 A | 13,248 | 0 | 0 | $0 |
| John D Behm | Director | Sept. 15, 2026 A | 13,204 | 0 | 0 | $0 |
| Thomas E. Freeman | Director | Sept. 15, 2026 A | 13,423 | 0 | 0 | $0 |
| Robert W Chappell | Director | Sept. 15, 2026 A | 13,106 | 0 | 0 | $0 |
| Rinaldo A Depaola | Director | Sept. 15, 2026 A | 16,851 | 0 | 0 | $0 |
| Mickey L Jones | Director | Sept. 15, 2026 A | 14,175 | 0 | 0 | $0 |
| Roger C Graham JR | Director | Sept. 15, 2026 A | 69,964 | 0 | 0 | $0 |
| Terry B Osborne | Director | Sept. 15, 2026 A | 13,430 | 0 | 0 | $0 |
| Joseph B Bower JR | Director | Sept. 15, 2026 A | 2,092 | 0 | 0 | $0 |
| Lowell R Coolidge | Director | Jan. 27, 2022 W | 0 | 0 | 0 | $0 |
| Rudolph J Van Der Hiel | Director | June 28, 2019 J | 1,902 | 0 | 0 | $0 |
| James A Rovito | Director | June 30, 2017 J | 136 | 0 | 0 | $0 |
| Mark L. Dalton | Director | May 1, 2015 A | 3,082 | 0 | 0 | $0 |
| Carol J Tama | Director | July 31, 2009 P | 79,308 | 0 | 0 | $0 |
| John E Novak | Director | April 17, 2007 | · | 0 | 0 | $0 |
| Larry J Croft | Director | April 18, 2006 | · | 0 | 0 | $0 |
| James A Mr Wagner | Director | Jan. 13, 2005 P | 20,042 | 0 | 0 | $0 |
| John M Thomas | Director | May 7, 2004 | · | 0 | 0 | $0 |
| William D Van Etten | Director | May 7, 2004 | · | 0 | 0 | $0 |
| Alletta M Schadler | · | June 27, 2025 J | 30,139 | 0 | 0 | $0 |
| Gene E Kosa | · | June 27, 2025 J | 6,979 | 0 | 0 | $0 |
| Robert Joseph Marino | · | Oct. 5, 2023 S | 35,821 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 21 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.09% | 16,150 SH | Sept. 11, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 3,740 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 121,963 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 2,225 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 375 SH | Oct. 1, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 26,705 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 2,034 SH | Oct. 1, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.00% | 4,042 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 5,052 NS | July 31, 2026 | N-PORT |
| IWO · iShares Trust | 0.00% | 3,445 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 2,268 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 1,438 SH | Sept. 3, 2026 | Daily |
| DCOR · Dimensional ETF Trust | 0.00% | 278 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 601 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 53 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 437 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 55,418 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 141,034 SH | Aug. 19, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.00% | 379 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 490 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 43,385 SH | Sept. 11, 2026 | Daily |
CZFS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 7 analysts
BUY
Median target
$89.00
+10.0%
2 28.6%
Strong Buy
4 57.1%
Buy
1 14.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
1 analysts · 2026-10-03Mean target $89.00 +10.0%
Low$89.00
Mean$89.00
High$89.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CZFS | $300M | 7.5 | 2.8% | 370.1% | 11.2% | · |
| ISTR | $262M | 12.5 | 7.5% | 25.4% | 8.2% | · |
| MVBF | · | 12.5 | 10.2% | · | · | · |
| PCB | $308M | 8.4 | 4.5% | 1291.9% | 9.8% | · |
| CHMG | · | 17.8 | -2.2% | 15.9% | 6.2% | · |
| FRST | $344M | 5.6 | 51.9% | 27.5% | 15.9% | · |
| PKBK | · | 7.9 | 26.8% | 47.3% | 11.9% | · |
| FNLC | $297M | 8.6 | 18.0% | 36.3% | 12.3% | · |
| NWFL | $267M | 9.3 | 8.1% | 347.0% | 11.9% | · |
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Source: SEC 10-Q filed Aug 6, 2026