CZFS Instantâneo da Ação Preço, capitalização de mercado, P/E, EPS, ROE, dívida/patrimônio, intervalo de 52 semanas

Preço

$64.29

Capitalização de Mercado

$300M

P/E (TTM)

7.5

EPS (TTM)

$7.62

Receita (TTM)

$10M

Rendimento div.

3.2%

ROE

11.2%

Dívida/Capital

—

Intervalo 52 Semanas

$50 – $70

CZFS Gráfico de Preço da Ação OHLCV diário com indicadores técnicos — panorâmica, zoom e personalize sua visualização

Desempenho de 10 Anos Tendências de receita, lucro líquido, margens e EPS

Receita e Lucro Líquido $10M

2018-12-31 → 2025-12-31

EPS $7.62

2016-12-31 → 2025-12-31

Fluxo de caixa livre $35M

2016-12-31 → 2025-12-31

Margens 370.1%

Avaliação Rácios P/E, P/S, P/B, EV/EBITDA — a ação está cara ou barata?

Métrica

Tendência de 5 anos

CZFS

Mediana de Pares

P/E (TTM)

7.5

9.9

P/S (TTM)

30.3

2.6

P/B

0.9

1.0

Price / FCF (Preço / FCF)

8.5

—

Lucratividade Margens bruta, operacional e líquida; ROE, ROA, ROIC

Métrica

Tendência de 5 anos

CZFS

Mediana de Pares

Net Profit Margin (Margem de Lucro Líquido)

370.1%

20.6%

ROA

1.2%

1.1%

ROE

11.2%

10.6%

Saúde financeira Dívida, liquidez, solvência — força do balanço patrimonial

Métrica

Tendência de 5 anos

CZFS

Mediana de Pares

Crescimento Crescimento da receita, EPS e lucro líquido: YoY, CAGR 3 anos, CAGR 5 anos

Métrica

Tendência de 5 anos

CZFS

Mediana de Pares

Revenue YoY (Receita Ano a Ano)

2.8%

—

Revenue CAGR 3Y (CAGR Receita 3A)

4.8%

—

Revenue CAGR 5Y (CAGR Receita 5A)

8.2%

—

EPS YoY

31.6%

—

Net Income YoY (Lucro Líquido Ano a Ano)

31.5%

—

Métricas por Ação EPS, valor patrimonial por ação, fluxo de caixa por ação, dividendo por ação

Métrica

Tendência de 5 anos

CZFS

Mediana de Pares

EPS (Diluted) (EPS (Diluído))

$7.62

—

Eficiência de Capital Giro de ativos, giro de estoques, giro de contas a receber

Métrica

Tendência de 5 anos

CZFS

Mediana de Pares

Payout Ratio (Índice de Pagamento)

26.1%

—

Dividendos Rendimento, índice de pagamento, histórico de dividendos, CAGR de 5 anos

Dividend Yield

3.2%

Índice de Pagamento

26.1%

CAGR Dividendos 5 anos

—

Data ex	Valor
13 de Março de 2026	$0,5000
12 de Dezembro de 2025	$0,5000
12 de Setembro de 2025	$0,5000
13 de Junho de 2025	$0,4900
14 de Março de 2025	$0,4950
13 de Dezembro de 2024	$0,4900
13 de Setembro de 2024	$0,4900
14 de Junho de 2024	$0,4850
14 de Março de 2024	$0,4851
14 de Dezembro de 2023	$0,4851
14 de Setembro de 2023	$0,4851
8 de Junho de 2023	$0,4802
9 de Março de 2023	$0,4754
15 de Dezembro de 2022	$0,4705
15 de Setembro de 2022	$0,4705
9 de Junho de 2022	$0,4656
10 de Março de 2022	$0,4610
15 de Dezembro de 2021	$0,4562
15 de Setembro de 2021	$0,4562
10 de Junho de 2021	$0,4465

CZFS Consenso dos analistas Opiniões de analistas otimistas e pessimistas, preço-alvo de 12 meses, potencial de alta

COMPRA 7 analistas

Compra forte 2 28,6%
Compra 4 57,1%
Manter 1 14,3%
Venda 0 0,0%
Venda forte 0 0,0%

Preço-alvo de 12 meses

1 analistas · 2026-05-16

Mín $71.00

Máx $71.00

Alvo mediano $71.00 +10,4%

Alvo médio $71.00 +10,4%

Histórico de Lucros EPS real vs. estimativa, surpresa %, taxa de acerto, próxima data de resultados

Surpresa Média

0.14%

Período	EPS Actual	EPS est.	Surpresa
31 de Março de 2026	$2.16	$2.02	0.14%
31 de Dezembro de 2025	$2.18	$2.11	0.07%
30 de Setembro de 2025	$2.09	$1.80	0.29%
30 de Junho de 2025	$1.76	$1.64	0.12%
31 de Março de 2025	$1.58	$1.50	0.08%

Comparação com pares Métricas chave vs pares do setor

Ticker	Capitalização de Mercado	P/E	Receita YoY	Margem Líquida	ROE	Margem Bruta
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%	—

Fundamentos Completos Todas as métricas por ano — demonstração de resultados, balanço patrimonial, fluxo de caixa

Demonstração de Resultados 11

Dados anuais de Demonstração de Resultados para CZFS
Métrica	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

Balanço Patrimonial 16

Dados anuais de Balanço Patrimonial para CZFS
Métrica	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

Fluxo de Caixa 19

Dados anuais de Fluxo de Caixa para CZFS
Métrica	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

Lucratividade 5

Dados anuais de Lucratividade para CZFS
Métrica	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%

Eficiência 1

Dados anuais de Eficiência para CZFS
Métrica	Tendência	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

Por Ação 7

Dados anuais de Por Ação para CZFS
Métrica	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

Taxas de Crescimento 10

Dados anuais de Taxas de Crescimento para CZFS
Métrica	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%	·	·	·	·	·	·	·

Avaliação (TTM) 13

Dados anuais de Avaliação (TTM) para CZFS
Métrica	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

Demonstração de Resultados 11

Dados trimestrais de Demonstração de Resultados para CZFS
Métrica	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	·	·	·

Balanço Patrimonial 16

Dados trimestrais de Balanço Patrimonial para CZFS
Métrica	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

Fluxo de Caixa 16

Dados trimestrais de Fluxo de Caixa para CZFS
Métrica	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	·	·	·

Lucratividade 5

Dados trimestrais de Lucratividade para CZFS
Métrica	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%

Eficiência 1

Dados trimestrais de Eficiência para CZFS
Métrica	Tendência	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

Por Ação 7

Dados trimestrais de Por Ação para CZFS
Métrica	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

Avaliação (TTM) 11

Dados trimestrais de Avaliação (TTM) para CZFS
Métrica	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%	·	·	·

Demonstrações Financeiras Demonstração de resultados, balanço patrimonial, fluxo de caixa — anual, últimos 5 anos

Demonstração de Resultados

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Receita	$10M	$10M	$9M	$9M	$8M
Lucro líquido	$37M	$28M	$18M	$29M	$29M
EPS Diluído	$7.62	$5.79	$3.98	$7.17	$7.24

Fluxo de Caixa

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Fluxo de caixa livre	$35M	$32M	$24M	$32M	$38M

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Minhas Métricas Sua lista pessoal — linhas selecionadas de Fundamentos Completos