CZFS
Citizens Financial ServicesBNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
Composite grade B from latest DB weights. Momentum 48.7 / Value 63.4 / Sentiment 61.2
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.1.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
49
Value
63
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $71.00
Why
Momentum49 · Δ7d -
Value63 · Δ7d -0.1
Sentiment61 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
49
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
39% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-0.1
Sentiment
61
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade B. Momentum 48.7 / Value 63.4 / Sentiment 61.2
Fundamentals (TTM)As of 2026-07-22
Fundamentals (TTM)
As of 2026-07-22
Market Cap
$349.22M
Beta
0.43
Shares Out
4.8M
P/E (TTM)
8.1
P/S (TTM)
2.54
P/FCF (TTM)
14.49
Rev YoY
+3.4%
EPS YoY
+36.2%
Gross Margin
-
Op Margin
+38.3%
Net Debt
$285.93M
Current Ratio
0.03
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology