NCM·Financial Services·$294M·#293 / 447 in Financial Services
CZFS Citizens Financial Services, In
45SPECULATIVE
CATEGORY BREAKDOWN
GROWTH18
QUALITY0
STABILITY74
VALUATION92
GOVERNANCE64
METRIC BREAKDOWN
Revenue Growth (YoY)
Year-over-year revenue growth rate
+11.5%
18
> 50% strong
Gross Margin
Revenue retained after direct costs
N/A
0
> 50% strong
Cash Runway
Months of cash at current burn rate
999 months
100
> 24 months ideal
Debt / Equity
Total debt relative to shareholder equity
87.0%
22
< 25% strong
Price / Sales
Market cap relative to trailing revenue
2.6x
92
< 3x strong
Rule of 40
Growth rate plus operating margin
N/A
0
> 40 excellent
Insider Ownership
Percentage of shares held by insiders
6.3%
47
> 20% strong
Share Dilution (12M)
Share count increase over last 12 months
-8.6%
100
< 5% ideal
SCORE HISTORY
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DATA INFO
Last updated: May 4, 2026
Sources: SEC EDGAR, Financial Modeling Prep, Yahoo Finance. Not financial advice.