Citizens Financial Services, Inc. (CZFS) compounding analysis
Full-size annual and quarterly year-over-year growth charts for revenue, EPS, operating cash flow, EBITDA, and free cash flow against the 15%, 20%, and 30% bars over 3-, 5-, and 10-year windows, with each metric's valuation multiple vs its own history.
Revenue · 10YDoes not currently clear the 15%+, 20%+, or 30%+ revenue bars over 10Y.
- Score
- 23/100
- 10Y CAGR
- 14.9%
- Median YoY
- 10.7%
- YoY volatility
- σ 16.9pp· uneven
- Quarters ≥ 20%
- 10 of 40
- Negative quarters
- 3
- Valuation vs own 10Y history
- Latest historical P/S 2.2x · 10Y median 2.9x · 34th percentile · as of Oct 6, 2026
How this score is computed
- Quarters at or above 20%: 10 of 40 → 10 of 40 pts
- Steadiness (typical swing 16.9pp) → 12.9 of 25 pts
- Pace (median 10.7% YoY) → 0 of 20 pts
- Latest quarter (2.6% YoY) → 0 of 15 pts
- Score: 23 of 100
Annualized revenue (TTM) · by quarter, last 36
Quarterly YoY revenue growth vs the 20% line
P/S multiple vs its 10Y median
Across metrics · 10Y
| Metric | 10Y CAGR | Median YoY | YoY σ | Qtrs ≥ 20% | Neg. qtrs |
|---|---|---|---|---|---|
| RevenueRevenue | 14.9% | 10.7% | 16.9pp | 10 of 40 | 3 |
| EPSEPS | 8.5% | 8.2% | 29.0pp | 14 of 40 | 9 |
| Op cash flowOperating cash flow | 11% | -7.6% | 60.6pp | 15 of 40 | 21 |
| EBITDAEBITDA | 12.3% | — | — | — | — |
| FCFFree cash flow | 11.3% | -8.2% | 61.4pp | 15 of 40 | 21 |
Reported figures over 10Y: annual-series CAGR, median and standard deviation (σ, percentage points) of quarterly year-over-year growth, quarters at or above 20%, and quarters with negative YoY. “—” means the window needs more comparable data.
Scores, qualification bars, and the 0–100 consistency methodology are documented on the compounders list page →
See also: CZFS on the compounders surface · All compounders, ranked