CZFS Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga

$64.29

Kapitalisasi Pasar

$300M

P/E (TTM)

7.5

EPS (TTM)

$7.62

Pendapatan (TTM)

$10M

Imbal Hasil Dividen

3.2%

ROE

11.2%

D/E Utang/Ekuitas

—

Rentang 52M

$50 – $70

CZFS Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih $10M

2018-12-31 → 2025-12-31

EPS $7.62

2016-12-31 → 2025-12-31

Arus Kas Bebas $35M

2016-12-31 → 2025-12-31

Margin 370.1%

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik

Tren 5 Tahun

CZFS

Median Rekan

P/E (TTM)

7.5

9.9

P/S (TTM)

30.3

2.6

P/B

0.9

1.0

Price / FCF (Harga / FCF)

8.5

—

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik

Tren 5 Tahun

CZFS

Median Rekan

Net Profit Margin (Margin Laba Bersih)

370.1%

20.6%

ROA

1.2%

1.1%

ROE

11.2%

10.6%

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik

Tren 5 Tahun

CZFS

Median Rekan

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik

Tren 5 Tahun

CZFS

Median Rekan

Revenue YoY (Pendapatan YoY)

2.8%

—

Revenue CAGR 3Y (CAGR Pendapatan 3T)

4.8%

—

Revenue CAGR 5Y (CAGR Pendapatan 5T)

8.2%

—

EPS YoY

31.6%

—

Net Income YoY (Laba Bersih YoY)

31.5%

—

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik

Tren 5 Tahun

CZFS

Median Rekan

EPS (Diluted)

$7.62

—

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik

Tren 5 Tahun

CZFS

Median Rekan

Payout Ratio (Rasio Pembayaran Dividen)

26.1%

—

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen

3.2%

Rasio Pembayaran Dividen

26.1%

CAGR Dividen 5T

—

Tanggal ex-dividen	Jumlah
13 Maret 2026	$0,5000
12 Des. 2025	$0,5000
12 Sep. 2025	$0,5000
13 Juni 2025	$0,4900
14 Maret 2025	$0,4950
13 Des. 2024	$0,4900
13 Sep. 2024	$0,4900
14 Juni 2024	$0,4850
14 Maret 2024	$0,4851
14 Des. 2023	$0,4851
14 Sep. 2023	$0,4851
8 Juni 2023	$0,4802
9 Maret 2023	$0,4754
15 Des. 2022	$0,4705
15 Sep. 2022	$0,4705
9 Juni 2022	$0,4656
10 Maret 2022	$0,4610
15 Des. 2021	$0,4562
15 Sep. 2021	$0,4562
10 Juni 2021	$0,4465

CZFS Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

BELI 7 analis

Beli Kuat 2 28,6%
Beli 4 57,1%
Tahan 1 14,3%
Jual 0 0,0%
Jual Kuat 0 0,0%

Target Harga 12 Bulan

1 analis · 2026-05-16

Rendah $71.00

Tinggi $71.00

Target median $71.00 +10,4%

Target rata-rata $71.00 +10,4%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata

0.14%

Periode	EPS Aktual	EPS Estimasi	Kejutan
31 Maret 2026	$2.16	$2.02	0.14%
31 Des. 2025	$2.18	$2.11	0.07%
30 Sep. 2025	$2.09	$1.80	0.29%
30 Juni 2025	$1.76	$1.64	0.12%
31 Maret 2025	$1.58	$1.50	0.08%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker	Kapitalisasi Pasar	P/E	Pendapatan YoY	Margin Bersih	ROE	Margin Kotor
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%	—

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 11

Data Laporan Laba Rugi Tahunan untuk CZFS
Metrik	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

Neraca 16

Data Neraca Tahunan untuk CZFS
Metrik	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

Arus Kas 19

Data Arus Kas Tahunan untuk CZFS
Metrik	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

Profitabilitas 5

Data Profitabilitas Tahunan untuk CZFS
Metrik	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%

Efisiensi 1

Data Efisiensi Tahunan untuk CZFS
Metrik	Tren	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 Saham 7

Data Per Saham Tahunan untuk CZFS
Metrik	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

Tingkat Pertumbuhan 10

Data Tingkat Pertumbuhan Tahunan untuk CZFS
Metrik	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%	·	·	·	·	·	·	·

Valuasi (TTM) 13

Data Valuasi (TTM) Tahunan untuk CZFS
Metrik	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

Laporan Laba Rugi 11

Data Triwulanan Laporan Laba Rugi untuk CZFS
Metrik	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	·	·	·

Neraca 16

Data Triwulanan Neraca untuk CZFS
Metrik	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

Arus Kas 16

Data Triwulanan Arus Kas untuk CZFS
Metrik	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	·	·	·

Profitabilitas 5

Data Triwulanan Profitabilitas untuk CZFS
Metrik	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%

Efisiensi 1

Data Triwulanan Efisiensi untuk CZFS
Metrik	Tren	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 Saham 7

Data Triwulanan Per Saham untuk CZFS
Metrik	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

Valuasi (TTM) 11

Data Triwulanan Valuasi (TTM) untuk CZFS
Metrik	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%	·	·	·

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Pendapatan	$10M	$10M	$9M	$9M	$8M
Laba Bersih	$37M	$28M	$18M	$29M	$29M
EPS Dilusian	$7.62	$5.79	$3.98	$7.17	$7.24

Arus Kas

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Arus Kas Bebas	$35M	$32M	$24M	$32M	$38M

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