Roiver Score™ for
CZFSCitizens Financial Services, Inc. Common Stock
Based on fundamentals through 12/31/2025.
As of December 31, 2025, Citizens Financial Services, Inc. Common Stock (CZFS) scores 60/100 (Solid) on the Roiver Score — a transparent quality composite. Its strongest area is cash quality; its weakest is capital structure. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about CZFS
What is CZFS's Roiver Score?
Citizens Financial Services, Inc. Common Stock scores 60 out of 100 (Solid) as of December 31, 2025, based on fundamentals.
How is the Roiver Score for CZFS calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is CZFS a good quality stock?
On quality, CZFS rates "Solid" (60/100). Its strongest driver is cash quality and its weakest is capital structure. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.