CZFS
Citizens Financial ServicesBNasdaq / Banks
Last Price
At close
2026-07-22
Current thesis
Composite grade B from latest DB weights. Momentum 48.7 / Value 63.4 / Sentiment 61.7
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta 0.0.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
49
Value
63
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-22
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $71.00
Why
Momentum49 · Δ7d -
Value63 · Δ7d 0.0
Sentiment62 · 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
0.0
Δ21d
+0.1
Sentiment
62
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 61.7
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 2026-07-22 • Updated nightlySource: Internal modelMethodology