51/120
2.1 / 5 stars
All 120 Win/Lose results shown below
CZFS Roast Me summary
CITIZENS FINANCIAL SERVICES INC (CZFS). Every strict quarterly win earns 1 point. A loss, tie, or unavailable scoring value earns 0.
- 2026-Q2: Total return Win; Revenue growth Lose; EPS growth Lose.
- 2026-Q1: Total return Win; Revenue growth Lose; EPS growth Win.
- 2025-Q4: Total return Lose; Revenue growth Lose; EPS growth Win.
- 2025-Q3: Total return Lose; Revenue growth Lose; EPS growth Win.
Trailing 1 year (4 quarters): 5 wins, 7 lossesLast fetched: 25 Sept 2026
Complete point ledger
Each cell identifies the missing side explicitly.
| Quarter | Total return | Revenue growth | EPS growth |
|---|---|---|---|
| 2026-Q21/3 |
WinCZFS / S&P 19.36% / 15.20% |
LoseCZFS / S&P 2.50% / 15.00% |
LoseCZFS / S&P 29.94% / 50.40% |
| 2026-Q12/3 |
WinCZFS / S&P 8.15% / -4.33% |
LoseCZFS / S&P 1.46% / 11.30% |
WinCZFS / S&P 38.34% / 27.70% |
| 2025-Q41/3 |
LoseCZFS / S&P -4.64% / 2.65% |
LoseCZFS / S&P 2.82% / 9.00% |
WinCZFS / S&P 31.61% / 13.40% |
| 2025-Q31/3 |
LoseCZFS / S&P 3.46% / 8.12% |
LoseCZFS / S&P 3.05% / 4.61% |
WinCZFS / S&P 23.48% / 13.45% |
| 2025-Q21/3 |
LoseCZFS / S&P 1.99% / 10.94% |
LoseCZFS / S&P -0.58% / 4.83% |
WinCZFS / S&P 14.04% / 10.63% |
| 2025-Q11/3 |
LoseCZFS / S&P -7.49% / -4.27% |
LoseCZFS / S&P 3.47% / 4.98% |
WinCZFS / S&P 61.31% / 10.57% |
| 2024-Q43/3 |
WinCZFS / S&P 8.52% / 2.41% |
WinCZFS / S&P 7.11% / 5.25% |
WinCZFS / S&P 45.48% / 6.15% |
| 2024-Q33/3 |
WinCZFS / S&P 31.92% / 5.89% |
WinCZFS / S&P 9.25% / 5.89% |
WinCZFS / S&P 37.23% / 6.11% |
| 2024-Q22/3 |
LoseCZFS / S&P -6.69% / 4.28% |
WinCZFS / S&P 14.55% / 5.38% |
WinCZFS / S&P 28.79% / 5.12% |
| 2024-Q11/3 |
LoseCZFS / S&P -23.10% / 10.56% |
WinCZFS / S&P 9.06% / 5.71% |
LoseCZFS / S&P -49.03% / 5.59% |
| 2023-Q41/3 |
WinCZFS / S&P 36.10% / 11.69% |
LoseCZFS / S&P 4.48% / 6.81% |
LoseCZFS / S&P -44.49% / 7.78% |
| 2023-Q30/3 |
LoseCZFS / S&P -35.02% / -3.27% |
LoseCZFS / S&P 2.68% / 7.52% |
LoseCZFS / S&P -39.89% / -5.03% |
| 2023-Q20/3 |
LoseCZFS / S&P -9.49% / 8.74% |
LoseCZFS / S&P 2.76% / 9.50% |
LoseCZFS / S&P -34.69% / -8.57% |
| 2023-Q12/3 |
WinCZFS / S&P 9.55% / 7.50% |
LoseCZFS / S&P 7.34% / 10.77% |
WinCZFS / S&P 5.73% / -15.69% |
| 2022-Q42/3 |
WinCZFS / S&P 9.99% / 7.56% |
LoseCZFS / S&P 10.99% / 11.88% |
WinCZFS / S&P -0.97% / -17.99% |
| 2022-Q32/3 |
WinCZFS / S&P 0.92% / -4.88% |
WinCZFS / S&P 13.62% / 13.47% |
LoseCZFS / S&P -5.17% / -1.41% |
| 2022-Q21/3 |
WinCZFS / S&P 12.11% / -16.10% |
LoseCZFS / S&P 11.95% / 13.71% |
LoseCZFS / S&P -9.74% / 11.04% |
| 2022-Q11/3 |
WinCZFS / S&P 5.42% / -4.60% |
LoseCZFS / S&P 15.12% / 15.97% |
LoseCZFS / S&P -6.71% / 42.23% |
| 2021-Q41/3 |
LoseCZFS / S&P -2.13% / 11.03% |
WinCZFS / S&P 16.17% / 15.00% |
LoseCZFS / S&P 12.07% / 96.40% |
| 2021-Q31/3 |
LoseCZFS / S&P -0.04% / 0.58% |
WinCZFS / S&P 12.91% / 10.77% |
LoseCZFS / S&P 22.09% / 69.42% |
| 2021-Q21/3 |
LoseCZFS / S&P 6.41% / 8.55% |
WinCZFS / S&P 10.46% / 6.58% |
LoseCZFS / S&P 39.19% / 51.81% |
| 2021-Q13/3 |
WinCZFS / S&P 7.39% / 6.17% |
WinCZFS / S&P -0.09% / -1.06% |
WinCZFS / S&P 33.94% / 7.39% |
| 2020-Q42/3 |
WinCZFS / S&P 28.48% / 12.15% |
LoseCZFS / S&P -3.84% / -3.72% |
WinCZFS / S&P 19.41% / -33.42% |
| 2020-Q31/3 |
LoseCZFS / S&P -10.69% / 8.93% |
LoseCZFS / S&P -3.35% / -2.04% |
WinCZFS / S&P 13.58% / -27.10% |
| 2020-Q21/3 |
LoseCZFS / S&P 2.38% / 20.54% |
LoseCZFS / S&P -2.05% / -0.46% |
WinCZFS / S&P 6.23% / -27.11% |
| 2020-Q13/3 |
WinCZFS / S&P -19.53% / -19.60% |
WinCZFS / S&P 4.36% / 3.47% |
WinCZFS / S&P 6.86% / -14.75% |
| 2019-Q42/3 |
LoseCZFS / S&P 6.09% / 9.07% |
WinCZFS / S&P 6.36% / 5.36% |
WinCZFS / S&P 7.34% / 2.99% |
| 2019-Q31/3 |
LoseCZFS / S&P -2.72% / 1.70% |
LoseCZFS / S&P CZFS unavailable / 5.02% |
WinCZFS / S&P 16.74% / 0.21% |
| 2019-Q21/3 |
LoseCZFS / S&P -4.77% / 4.30% |
LoseCZFS / S&P CZFS unavailable / 6.64% |
WinCZFS / S&P 20.09% / 8.65% |
| 2019-Q12/3 |
WinCZFS / S&P 16.08% / 13.65% |
LoseCZFS / S&P CZFS unavailable / 8.12% |
WinCZFS / S&P 29.11% / 14.29% |
| 2018-Q42/3 |
WinCZFS / S&P -11.19% / -13.52% |
LoseCZFS / S&P CZFS unavailable / 9.05% |
WinCZFS / S&P 37.33% / 18.23% |
| 2018-Q30/3 |
LoseCZFS / S&P -0.01% / 7.71% |
LoseCZFS / S&P CZFS unavailable / 10.21% |
LoseCZFS / S&P 17.92% / 19.06% |
| 2018-Q21/3 |
LoseCZFS / S&P 2.28% / 3.43% |
LoseCZFS / S&P CZFS unavailable / 9.03% |
WinCZFS / S&P 15.36% / 14.46% |
| 2018-Q11/3 |
WinCZFS / S&P 0.14% / -0.76% |
LoseCZFS / S&P CZFS unavailable / 7.68% |
LoseCZFS / S&P 10.34% / 12.46% |
| 2017-Q41/3 |
WinCZFS / S&P 11.30% / 6.64% |
LoseCZFS / S&P CZFS unavailable / 7.03% |
LoseCZFS / S&P 2.80% / 13.82% |
| 2017-Q31/3 |
WinCZFS / S&P 6.41% / 4.48% |
LoseCZFS / S&P CZFS unavailable / 5.68% |
LoseCZFS / S&P 15.27% / 17.57% |
| 2017-Q20/3 |
LoseCZFS / S&P 3.06% / 3.09% |
LoseCZFS / S&P CZFS unavailable / 4.83% |
LoseCZFS / S&P 9.76% / 17.74% |
| 2017-Q10/3 |
LoseCZFS / S&P 0.38% / 6.07% |
LoseCZFS / S&P CZFS unavailable / 3.67% |
LoseCZFS / S&P 0.56% / 13.32% |
| 2016-Q41/3 |
WinCZFS / S&P 6.05% / 3.82% |
LoseCZFS / S&P CZFS unavailable / 2.09% |
LoseCZFS / S&P -0.83% / 7.05% |
| 2016-Q30/3 |
LoseCZFS / S&P -0.37% / 3.85% |
LoseCZFS / S&P CZFS unavailable / 0.20% |
LoseCZFS / S&P -18.73% / -3.15% |
Dividend-reinvested, split-adjusted total return
1Y · 2025-08-29 to 2026-08-28
| Metric | CZFS total return | S&P 500 Total Return Index |
|---|---|---|
| Total return | 39.68% | 20.78% |
| Annualized return | 39.68% | 20.78% |
5Y · 2021-09-01 to 2026-08-28
| Metric | CZFS total return | S&P 500 Total Return Index |
|---|---|---|
| Total return | 56.14% | 83.14% |
| Annualized return | 9.32% | 12.86% |
10Y · 2016-09-01 to 2026-08-28
| Metric | CZFS total return | S&P 500 Total Return Index |
|---|---|---|
| Total return | 134.87% | 319.30% |
| Annualized return | 8.91% | 15.41% |
Calculation rules
- window
- Latest 40 completed benchmark quarters; unavailable issuer evidence remains visible and scores 0.
- return Basis
- Issuer adjusted close reinvests distributions and normalizes splits; the S&P 500 Total Return Index is the direct benchmark.
- point Rule
- Strict same-quarter win = 1. Loss, tie or unavailable evidence = 0. No partial or subjective points.
- frequency
- Quarter endpoints only.
- fundamentals
- Trailing-four-quarter issuer revenue and EPS growth use the issuer's normalized government-filed facts.
- non Scoring
Snapshot captured 2026-09-25.
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