RankAlpha logo
Back to Rankings

CZFS

Citizens Financial ServicesC
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
Core profitability is improving: first-half net income increased 27.9%, net interest income before provision increased 11.1%, loans grew 6.8%, and reported returns improved. The available median analyst target of $89 implies approximately 16% upside from the $76.53 anchor, but the target count is unavailable.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-30.
What can break
Analyst coverage is low, target count and revisions are unavailable, and no social, options, or short-interest evidence is supplied.
Momentum
49
Value
61
Sentiment
51
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $80.00 · Bull $89.00 · Bear $65.00Analysis 2026-08-04; returns require an exact persisted reference.
Earnings
2026-10-30
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-04 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $89.00
Why
Momentum49 · Δ7d -
Value61 · Δ7d -0.3
Sentiment51 · Δ7d -
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-30.
  • • Value remains the lead driver in the composite, 7D delta -0.3.

Contradictions & invalidation

  • • Analyst coverage is low, target count and revisions are unavailable, and no social, options, or short-interest evidence is supplied.
  • • Non-performing assets increased to $43.365 million, or 1.81% of loans, with commercial-real-estate and construction exposures the primary drivers [#SEC-8K-2026-07-30].
  • • The main counterweight is credit quality: non-performing assets rose materially, driven by commercial-real-estate and construction exposures.

Catalyst clock

2026-10-30

Commercial real-estate credit resolution

Lead driver: Value · See fundamentals
Momentum
49
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.4
Sentiment
51
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade C. Momentum 48.7 / Value 61.3 / Sentiment 50.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-04. Scenario method

B+
Bull case
25%
Probability
Target price
$89.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$65.00
Analysis reference price unavailable
Analysis 2026-08-04 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$406.77M
Beta
0.43
Shares Out
4.81M
P/E (TTM)
8.1
P/S (TTM)
2.54
P/FCF (TTM)
14.49
Rev YoY
+2.3%
EPS YoY
+20.3%
Gross Margin
-
Op Margin
+28.7%
Net Debt
$285.93M
Current Ratio
0.04
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data