CZFS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price

$64.29

Market Cap

$300M

P/E (TTM)

7.5

EPS (TTM)

$7.62

Revenue (TTM)

$10M

Div Yield

3.2%

ROE

11.2%

Debt/Equity

—

52W Range

$50 – $70

CZFS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $10M

2018-12-31 → 2025-12-31

EPS $7.62

2016-12-31 → 2025-12-31

Free Cash Flow $35M

2016-12-31 → 2025-12-31

Margins 370.1%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric

5Y trend

CZFS

Peer Median

P/E (TTM)

7.5

9.9

P/S (TTM)

30.3

2.6

P/B

0.9

1.0

Price / FCF

8.5

—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric

5Y trend

CZFS

Peer Median

Net Profit Margin

370.1%

20.6%

ROA

1.2%

1.1%

ROE

11.2%

10.6%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric

5Y trend

CZFS

Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric

5Y trend

CZFS

Peer Median

Revenue YoY

2.8%

—

Revenue CAGR 3Y

4.8%

—

Revenue CAGR 5Y

8.2%

—

EPS YoY

31.6%

—

Net Income YoY

31.5%

—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric

5Y trend

CZFS

Peer Median

EPS (Diluted)

$7.62

—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric

5Y trend

CZFS

Peer Median

Payout Ratio

26.1%

—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield

3.2%

Payout Ratio

26.1%

5Y Div CAGR

—

Ex-date	Amount
March 13, 2026	$0.5000
Dec. 12, 2025	$0.5000
Sept. 12, 2025	$0.5000
June 13, 2025	$0.4900
March 14, 2025	$0.4950
Dec. 13, 2024	$0.4900
Sept. 13, 2024	$0.4900
June 14, 2024	$0.4850
March 14, 2024	$0.4851
Dec. 14, 2023	$0.4851
Sept. 14, 2023	$0.4851
June 8, 2023	$0.4802
March 9, 2023	$0.4754
Dec. 15, 2022	$0.4705
Sept. 15, 2022	$0.4705
June 9, 2022	$0.4656
March 10, 2022	$0.4610
Dec. 15, 2021	$0.4562
Sept. 15, 2021	$0.4562
June 10, 2021	$0.4465

CZFS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 7 analysts

Strong Buy 2 28.6%
Buy 4 57.1%
Hold 1 14.3%
Sell 0 0.0%
Strong Sell 0 0.0%

12-Month Price Target

1 analysts · 2026-05-16

Low $71.00

High $71.00

Median target $71.00 +10.4%

Mean target $71.00 +10.4%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise

0.14%

Period	EPS Actual	EPS Est	Surprise
March 31, 2026	$2.16	$2.02	0.14%
Dec. 31, 2025	$2.18	$2.11	0.07%
Sept. 30, 2025	$2.09	$1.80	0.29%
June 30, 2025	$1.76	$1.64	0.12%
March 31, 2025	$1.58	$1.50	0.08%

Peer Comparison Key metrics vs sector peers

Ticker	Market Cap	P/E	Rev YoY	Net Margin	ROE	Gross Margin
CZFS	$300M	7.5	2.8%	370.1%	11.2%	—
FNLC	$297M	8.6	18.0%	36.3%	12.3%	—
TSBK	$263M	9.1	9.6%	35.3%	11.3%	—
COSO	—	10.8	6.4%	1254.0%	10.6%	—
ISBA	$366M	19.5	11.5%	24.1%	8.4%	—
FSBW	$309M	9.6	44.8%	21.8%	11.0%	—
JMSB	—	13.4	17.5%	33.9%	8.2%	—
TFC	$62.13B	12.9	53.0%	26.1%	8.2%	—

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 11

Annual Income Statement data for CZFS
Metric	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 16

Annual Balance Sheet data for CZFS
Metric	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 19

Annual Cash Flow data for CZFS
Metric	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 5

Annual Profitability data for CZFS
Metric	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 1

Annual Efficiency data for CZFS
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 7

Annual Per Share data for CZFS
Metric	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	$2	$2	$2	$2	$2	$2	$2	$2
Dividend Paid / Share	·	$2	$2	$2	$2	$2	$2	$2
EPS (TTM)	$7.62	$5.79	$3.98	$7.17	$7.24	$6.46	$5.41	$5.04

Growth Rates 10

Annual Growth Rates data for CZFS
Metric	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%	·	·	·	·	·	·	·
Dividend CAGR 5Y	7.9%	·	·	·	·	·	·	·

Valuation (TTM) 13

Annual Valuation (TTM) data for CZFS
Metric	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 11

Quarterly Income Statement data for CZFS
Metric	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	Q2 2022
Revenue	$2M	$2M	$3M	$2M	$2M	$2M	$3M	$2M	$2M	$2M	$3M	$2M	$2M	$2M	$2M	$2M
Interest Expense	·	·	·	·	·	·	·	·	$17M	·	$14M	$9M	$7M	·	$3M	$2M
Interest Income	$40M	$41M	$40M	$39M	$39M	$40M	$39M	$38M	$38M	$39M	$37M	$27M	$25M	$24M	$22M	$19M
Pretax Income	$13M	$13M	$12M	$10M	$9M	$10M	$9M	$6M	$9M	$9M	$9M	$-5M	$8M	$10M	$9M	$8M
Income Tax	$2M	$3M	$2M	$2M	$2M	$2M	$2M	$1M	$1M	$2M	$2M	$-1M	$2M	$2M	$2M	$1M
Net Income	$10M	$10M	$10M	$8M	$8M	$8M	$8M	$5M	$7M	$8M	$8M	$-4M	$7M	$8M	$8M	$7M
EPS (Basic)	$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	$1.72
EPS (Diluted)	$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	$1.72
Shares (Basic)	4,798,170	-9,547,680	4,796,946	4,797,716	4,797,611	-9,543,936	4,796,752	4,796,000	4,748,442	-8,435,642	4,746,541	4,159,966	4,005,370	-7,941,796	4,006,794	4,012,611
Shares (Diluted)	4,799,078	-9,550,285	4,798,051	4,800,384	4,799,016	-9,545,370	4,798,297	4,800,770	4,748,442	-8,435,647	4,746,541	4,159,966	4,005,375	-7,942,102	4,007,028	4,012,626
EBITDA	$470.0K	·	·	·	$449.0K	·	·	·	$499.0K	·	·	·	$264.0K	·	·	·

Balance Sheet 16

Quarterly Balance Sheet data for CZFS
Metric	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	Q2 2022
Cash & Equivalents	$33M	$34M	$31M	$49M	$37M	$42M	$37M	$38M	$30M	·	$43M	$45M	$26M	·	$23M	$21M
PP&E (Net)	$21M	$21M	$22M	$22M	$22M	$21M	$21M	$21M	$21M	·	$21M	$21M	$18M	·	$17M	$17M
PP&E (Gross)	·	$40M	·	·	·	$40M	·	·	·	·	·	·	·	·	·	·
Accum. Depreciation	·	$19M	·	·	·	$19M	·	·	·	·	·	·	·	·	·	·
Goodwill	$86M	$86M	$86M	$86M	$86M	$86M	$86M	$86M	$86M	·	$85M	$85M	$31M	·	$31M	$31M
Intangibles	$2M	$2M	$2M	$3M	$3M	$3M	$3M	$3M	$3M	·	$4M	$4M	$1M	·	$1M	$1M
Total Assets	$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	$2.21B
Total Liabilities	$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	$2.02B
Common Stock	$5M	$5M	$5M	$5M	$5M	$5M	$5M	$5M	$5M	·	$5M	$5M	$4M	·	$4M	$4M
Paid-in Capital	$148M	$148M	$148M	$148M	$145M	$145M	$145M	$145M	$143M	·	$143M	$143M	$81M	·	$81M	$81M
Retained Earnings	$222M	$214M	$206M	$198M	$195M	$189M	$184M	$179M	$178M	·	$168M	$162M	$172M	·	$159M	$153M
Treasury Stock	$17M	$16M	$16M	$16M	$16M	$16M	$16M	$16M	$17M	·	$17M	$17M	$17M	·	$17M	$17M
AOCI	$-15M	$-12M	$-15M	$-21M	$-20M	$-24M	$-19M	$-26M	$-27M	·	$-37M	$-31M	$-27M	·	$-36M	$-27M
Stockholders' Equity	$344M	$338M	$328M	$314M	$308M	$300M	$299M	$286M	$283M	$280M	$263M	$263M	$213M	$200M	$191M	$195M
Liabilities + Equity	$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	$2.21B
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	4,427,687

Cash Flow 16

Quarterly Cash Flow data for CZFS
Metric	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	Q2 2022
D&A	$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	$257.0K
Deferred Tax	$-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	$409.0K
Amort. of Intangibles	$173.0K	$175.0K	$181.0K	$191.0K	$197.0K	·	$206.0K	$221.0K	$229.0K	·	$237.0K	$106.0K	$104.0K	·	$114.0K	$118.0K
Other Non-cash	$7M	·	·	·	$3M	·	·	·	$6M	·	·	·	$3M	·	·	·
Operating Cash Flow	$18M	$17M	$3M	$6M	$11M	$10M	$6M	$3M	$13M	$16M	$7M	$-8M	$10M	$9M	$9M	$3M
CapEx	$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	$840.0K
Investing Cash Flow	$30M	$-6M	$-104M	$71M	$-728.0K	$-175.0K	$-79M	$-13M	$23M	$4M	$-73M	$123M	$5M	$22M	$-143M	$-135M
Debt Issued	·	·	·	·	·	$0	$0	·	·	$20M	$0	·	·	$0	$0	·
Net Debt Issued	·	·	·	·	$0	·	·	·	$-5M	·	·	·	$0	·	·	·
Stock Issued	$16.0K	·	·	·	$15.0K	·	·	·	·	·	·	·	·	·	·	·
Stock Repurchased	$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	$1M
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	$-49M	$-7M	$82M	$-64M	$-16M	$-5M	$71M	$19M	$-60M	$-10M	$64M	$-97M	$-16M	$-28M	$137M	$39M
Free Cash Flow	$18M	·	·	·	$10M	·	·	·	$13M	·	·	·	$10M	·	·	·
Levered FCF	·	·	·	·	·	·	·	·	$-668.7K	·	·	·	$5M	·	·	·

Profitability 5

Quarterly Profitability data for CZFS
Metric	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	Q2 2022
Net Margin	444.0%	·	361.1%	357.5%	312.5%	·	300.2%	220.7%	291.1%	·	290.6%	-203.7%	331.7%	·	332.8%	323.7%
Pretax Margin	543.5%	·	446.0%	440.1%	384.4%	·	368.5%	267.3%	352.3%	·	352.2%	-262.1%	409.5%	·	405.8%	393.2%
EBITDA Margin	20.1%	·	·	·	18.4%	·	·	·	20.7%	·	·	·	12.8%	·	·	·
ROA	0.34%	·	0.33%	0.29%	0.26%	·	0.25%	0.18%	0.27%	·	0.28%	-0.16%	0.30%	·	0.34%	0.33%
ROE	3.2%	·	3.2%	2.8%	2.6%	·	2.7%	1.9%	2.8%	·	3.3%	-1.8%	3.3%	·	3.8%	3.5%

Efficiency 1

Quarterly Efficiency data for CZFS
Metric	Trend	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	Q2 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 7

Quarterly Per Share data for CZFS
Metric	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	Q2 2022
Book Value / Share	·	·	·	$59.68	$59.20	·	$57.35	$55.01	$54.77	·	$50.90	$51.01	$48.16	·	$43.23	$44.05
Revenue / Share	$0.49	·	$0.58	$0.49	$0.51	·	$0.53	$0.50	$0.51	·	$0.55	$0.49	$0.52	·	$0.57	$0.54
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	$4.67
Dividend / Share	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Dividend Paid / Share	·	·	$0	$0	$0	·	$0	$0	$0	·	$0	$0	$0	$0	$0	$0
EPS (TTM)	$7.60	·	$7.02	$6.03	$5.75	·	$5.74	$3.17	$3.78	·	$4.18	$4.31	$7.00	·	$7.05	$6.94

Valuation (TTM) 11

Quarterly Valuation (TTM) data for CZFS
Metric	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	Q2 2022
Revenue TTM	$10M	·	$10M	$10M	$10M	·	$10M	$9M	$9M	·	$9M	$9M	$9M	·	$8M	$8M
Net Income TTM	$36M	·	$34M	$29M	$27M	·	$27M	$16M	$17M	·	$18M	$17M	$28M	·	$28M	$28M
Market Cap	·	·	·	$309M	$302M	·	$306M	$234M	$251M	·	$245M	$381M	$363M	·	$305M	$304M
P/E	8.0	·	8.6	9.7	10.1	·	10.2	14.2	12.9	·	11.4	17.1	11.7	·	9.8	9.9
P/S	·	·	·	31.8	31.0	·	30.9	24.8	27.6	·	27.3	44.8	42.2	·	36.0	37.7
P/B	·	·	·	1.0	1.0	·	1.0	0.8	0.9	·	0.9	1.4	1.7	·	1.6	1.6
P / Tangible Book	·	·	·	1.4	1.4	·	1.5	1.2	1.3	·	1.4	2.2	2.0	·	1.9	1.9
P / Cash Flow	·	·	·	·	27.6	·	·	·	18.7	·	·	·	34.8	·	·	·
P / FCF	·	·	·	·	29.2	·	·	·	18.8	·	·	·	35.6	·	·	·
Earnings Yield	12.4%	·	11.7%	10.3%	9.9%	·	9.8%	7.0%	7.8%	·	8.8%	5.9%	8.6%	·	10.2%	10.1%
Payout Ratio	23.2%	·	·	·	30.9%	·	·	·	32.8%	·	·	·	28.1%	·	·	·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement

	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

Cash Flow

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Free Cash Flow	$35M	$32M	$24M	$32M	$38M

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