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Citizens Financial Services (US.CZFS)

Capital Allocation Audit · Period: 2010 – 2026

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Key Metrics

US.CZFS · YoY: 2026 H1 vs 2025 H1

MetricValueYoY
FCF Conversion97.7%→
ROE5.8%↑
Cash Conversion87.2%↓
D/E Ratio1.12↓
Gross Margin-→
US.CZFS (Citizens Financial Services) | YoY: 2026 H1 vs 2025 H1


Metric           Value  YoY
---------------------------
FCF Conversion   97.7%    →
ROE               5.8%    ↑
Cash Conversion  87.2%    ↓
D/E Ratio         1.12    ↓
Gross Margin         -    →
Key Metrics
US.CZFS (Citizens Financial Services) | YoY: 2026 H1 vs 2025 H1
Metric Value YoY
---------------------------
FCF Conversion 97.7% →
ROE 5.8% ↑
Cash Conversion 87.2% ↓
D/E Ratio 1.12 ↓
Gross Margin - →

Audit Dimensions

Capital FlowReturnsEarning QualityDebt DisciplineMoat

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