Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Mixed evidenceCoverage 2/5 core metricsFlagged areas: Dilution.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- 1 filing risk check flagged
Flagged areas: Dilution.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +2.8% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $35M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2025-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
- Dilution
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-10-22
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Community Banking$174Mshare n/a+2.2% yoy
member sum exceeds the consolidated figure: this axis carries more than one breakdown, so shares are not computed.
- Community Banking$43.5Mshare n/a+2.6% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,060 US-listed filers · 883 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $10M | 11thof 3,247 bottom third | 12thof 528 bottom third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 2.8% | 38thof 3,083 middle third | 31stof 505 bottom third |
Net margin net income ÷ revenue | 370.1% | 98thof 3,212 top third | 91stof 522 top third |
Free-cash-flow margin (operating cash flow − |capex|) ÷ revenue | 356.6% | 99thof 2,640 top third | 89thof 302 top third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 10.8% | 68thof 3,520 top third | 62ndof 752 middle third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 6.3% | 31stof 2,852 bottom third | 38thof 413 middle third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 1.0× | 24thof 2,243 bottom third | 36thof 687 middle third |
Cash-flow accrual ratio (net income − operating cash flow) ÷ average total assets · lower is ranked higher | 0.0% | 19thof 3,845 bottom third | 30thof 837 bottom third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 16.5% | 32ndof 3,301 bottom third | 35thof 770 middle third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 44 changed periods, 30 largest shown| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Depreciation and amortization DepreciationAmortizationAndAccretionNet | fiscal year 2020-12-31 | -$2.82M 10-K 2021-03-11 | $1.14M 10-K 2023-03-09 | +140.3% | first · latest · 4 filings carry it |
| Depreciation and amortization DepreciationAmortizationAndAccretionNet | quarter 2020-03-31 | $150K 10-Q 2020-05-07 | $247K 10-Q 2021-05-06 | +64.7% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2022-12-31 | 3,969,722 shares 10-K 2023-03-09 | 4,055,520 shares 10-K 2025-03-06 | +2.2% | first · latest · 3 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2022-12-31 | 3,969,722 shares 10-K 2023-03-09 | 4,055,520 shares 10-K 2025-03-06 | +2.2% | first · latest · 3 filings carry it |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2023-12-31 | 4,382,573 shares 10-K 2024-03-07 | 4,476,235 shares 10-K 2026-03-12 | +2.1% | first · latest · 3 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2023-12-31 | 4,382,573 shares 10-K 2024-03-07 | 4,476,235 shares 10-K 2026-03-12 | +2.1% | first · latest · 3 filings carry it |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2020-12-31 | 3,807,523 shares 10-K 2021-03-11 | 3,884,868 shares 10-K 2023-03-09 | +2.0% | first · latest · 4 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2020-12-31 | 3,805,682 shares 10-K 2021-03-11 | 3,883,027 shares 10-K 2023-03-09 | +2.0% | first · latest · 4 filings carry it |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2021-12-31 | 3,945,299 shares 10-K 2022-03-10 | 4,023,294 shares 10-K 2024-03-07 | +2.0% | first · latest · 4 filings carry it |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | fiscal year 2021-12-31 | 3,945,299 shares 10-K 2022-03-10 | 4,023,294 shares 10-K 2024-03-07 | +2.0% | first · latest · 4 filings carry it |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2023-06-30 | 4,113,377 shares 10-Q 2023-08-09 | 4,159,966 shares 10-Q 2024-08-08 | +1.1% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2023-06-30 | 4,113,377 shares 10-Q 2023-08-09 | 4,159,966 shares 10-Q 2024-08-08 | +1.1% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2020-03-31 | 3,515,500 shares 10-Q 2020-05-07 | 3,553,818 shares 10-Q 2021-05-06 | +1.1% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2020-03-31 | 3,515,500 shares 10-Q 2020-05-07 | 3,553,818 shares 10-Q 2021-05-06 | +1.1% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2020-06-30 | 3,846,204 shares 10-Q 2020-08-06 | 3,884,763 shares 10-Q 2021-08-05 | +1.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2020-06-30 | 3,845,175 shares 10-Q 2020-08-06 | 3,883,734 shares 10-Q 2021-08-05 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2021-03-31 | 3,909,887 shares 10-Q 2021-05-06 | 3,948,446 shares 10-Q 2022-05-09 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2022-06-30 | 3,973,417 shares 10-Q 2022-08-08 | 4,012,626 shares 10-Q 2023-08-09 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2022-09-30 | 3,967,819 shares 10-Q 2022-11-08 | 4,007,028 shares 10-Q 2023-11-08 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2023-03-31 | 3,966,166 shares 10-Q 2023-05-10 | 4,005,375 shares 10-Q 2024-05-09 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2023-09-30 | 4,699,952 shares 10-Q 2023-11-08 | 4,746,541 shares 10-Q 2024-11-07 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2024-03-31 | 4,701,853 shares 10-Q 2024-05-09 | 4,748,442 shares 10-Q 2025-05-08 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2024-06-30 | 4,753,697 shares 10-Q 2024-08-08 | 4,800,770 shares 10-Q 2025-08-07 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2024-09-30 | 4,751,224 shares 10-Q 2024-11-07 | 4,798,297 shares 10-Q 2025-11-06 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | fiscal year 2024-12-31 | 4,755,066 shares 10-K 2025-03-06 | 4,802,139 shares 10-K 2026-03-12 | +1.0% | first · latest |
| Diluted shares WeightedAverageNumberOfDilutedSharesOutstanding | quarter 2025-03-31 | 4,751,943 shares 10-Q 2025-05-08 | 4,799,016 shares 10-Q 2026-05-07 | +1.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2021-03-31 | 3,909,887 shares 10-Q 2021-05-06 | 3,948,446 shares 10-Q 2022-05-09 | +1.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2022-06-30 | 3,973,402 shares 10-Q 2022-08-08 | 4,012,611 shares 10-Q 2023-08-09 | +1.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2022-09-30 | 3,967,585 shares 10-Q 2022-11-08 | 4,006,794 shares 10-Q 2023-11-08 | +1.0% | first · latest |
| Basic shares WeightedAverageNumberOfSharesOutstandingBasic | quarter 2023-03-31 | 3,966,161 shares 10-Q 2023-05-10 | 4,005,370 shares 10-Q 2024-05-09 | +1.0% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for CZFS yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.