Citizens Financial Services, In — Earnings Quality Grade F
CZFS · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 35 days, change -3 days YoY
AR growth 3.8% vs revenue growth 11.5%
Revenue 11.5%, CFFO 10.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -1.4% vs revenue 11.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.00. Profits backed by cash
FCF $0.0B, FCF/NI = 0.96
Accruals ratio = 0.0%. Low accruals
Cash $0.0B covers only 13% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 26% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor CZFS continuously
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Altman Z-Score — Not Applicable
Citizens Financial Services, In is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25