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Side-by-side financial comparison of AYTU BIOPHARMA, INC (AYTU) and CITIZENS FINANCIAL SERVICES INC (CZFS). Click either name above to swap in a different company.

CITIZENS FINANCIAL SERVICES INC is the larger business by last-quarter revenue ($29.6M vs $15.2M, roughly 2.0× AYTU BIOPHARMA, INC). CITIZENS FINANCIAL SERVICES INC runs the higher net margin — 35.4% vs -69.8%, a 105.2% gap on every dollar of revenue. On growth, CITIZENS FINANCIAL SERVICES INC posted the faster year-over-year revenue change (13.0% vs -6.5%). CITIZENS FINANCIAL SERVICES INC produced more free cash flow last quarter ($35.2M vs $3.7M). Over the past eight quarters, CITIZENS FINANCIAL SERVICES INC's revenue compounded faster (6.9% CAGR vs 4.0%).

Aytu BioPharma, Inc. is a US-based specialty pharmaceutical company that develops and commercializes a portfolio of consumer healthcare products and prescription therapeutics. Its key offerings cover cold and allergy treatments, sexual health solutions, and therapies for rare pediatric conditions, serving patients and healthcare providers across the United States.

Citizens Financial Group, Inc. is an American bank holding company, headquartered in Providence, Rhode Island. The company owns the bank Citizens Bank, N.A., which operates in the U.S. states of Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and Virginia, as well as Washington, DC.

AYTU vs CZFS — Head-to-Head

Bigger by revenue
CZFS
CZFS
2.0× larger
CZFS
$29.6M
$15.2M
AYTU
Growing faster (revenue YoY)
CZFS
CZFS
+19.5% gap
CZFS
13.0%
-6.5%
AYTU
Higher net margin
CZFS
CZFS
105.2% more per $
CZFS
35.4%
-69.8%
AYTU
More free cash flow
CZFS
CZFS
$31.6M more FCF
CZFS
$35.2M
$3.7M
AYTU
Faster 2-yr revenue CAGR
CZFS
CZFS
Annualised
CZFS
6.9%
4.0%
AYTU

Income Statement — Q2 FY2026 vs Q4 FY2025

Metric
AYTU
AYTU
CZFS
CZFS
Revenue
$15.2M
$29.6M
Net Profit
$-10.6M
$10.5M
Gross Margin
63.5%
Operating Margin
-13.0%
44.2%
Net Margin
-69.8%
35.4%
Revenue YoY
-6.5%
13.0%
Net Profit YoY
-1443.1%
31.3%
EPS (diluted)
$-1.05
$2.17

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
AYTU
AYTU
CZFS
CZFS
Q4 25
$15.2M
$29.6M
Q3 25
$13.9M
$29.0M
Q2 25
$15.1M
$27.3M
Q1 25
$18.5M
$26.4M
Q4 24
$16.2M
$26.2M
Q3 24
$16.6M
$25.1M
Q2 24
$14.6M
$24.6M
Q1 24
$14.0M
$25.9M
Net Profit
AYTU
AYTU
CZFS
CZFS
Q4 25
$-10.6M
$10.5M
Q3 25
$2.0M
$10.0M
Q2 25
$-19.8M
$8.5M
Q1 25
$4.0M
$7.6M
Q4 24
$788.0K
$8.0M
Q3 24
$1.5M
$7.5M
Q2 24
$-4.6M
$5.3M
Q1 24
$-2.9M
$7.0M
Gross Margin
AYTU
AYTU
CZFS
CZFS
Q4 25
63.5%
Q3 25
66.1%
Q2 25
67.8%
Q1 25
69.4%
Q4 24
66.5%
Q3 24
72.3%
Q2 24
75.7%
Q1 24
73.9%
Operating Margin
AYTU
AYTU
CZFS
CZFS
Q4 25
-13.0%
44.2%
Q3 25
-10.8%
42.6%
Q2 25
-50.4%
38.1%
Q1 25
13.1%
35.5%
Q4 24
-10.4%
37.2%
Q3 24
-5.6%
36.9%
Q2 24
-15.6%
25.9%
Q1 24
-11.4%
32.8%
Net Margin
AYTU
AYTU
CZFS
CZFS
Q4 25
-69.8%
35.4%
Q3 25
14.1%
34.5%
Q2 25
-130.9%
31.0%
Q1 25
21.6%
28.8%
Q4 24
4.9%
30.5%
Q3 24
8.9%
30.0%
Q2 24
-31.6%
21.4%
Q1 24
-20.6%
27.1%
EPS (diluted)
AYTU
AYTU
CZFS
CZFS
Q4 25
$-1.05
$2.17
Q3 25
$-0.08
$2.09
Q2 25
$1.76
Q1 25
$0.21
$1.60
Q4 24
$-0.26
$1.64
Q3 24
$-0.15
$1.57
Q2 24
$1.10
Q1 24
$-0.52
$1.48

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
AYTU
AYTU
CZFS
CZFS
Cash + ST InvestmentsLiquidity on hand
$30.0M
$34.3M
Total DebtLower is stronger
$10.0M
Stockholders' EquityBook value
$14.2M
$338.1M
Total Assets
$122.0M
$3.1B
Debt / EquityLower = less leverage
0.70×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
AYTU
AYTU
CZFS
CZFS
Q4 25
$30.0M
$34.3M
Q3 25
$32.6M
$31.1M
Q2 25
$31.0M
$49.5M
Q1 25
$18.2M
$36.8M
Q4 24
$20.4M
$42.2M
Q3 24
$20.1M
$36.8M
Q2 24
$20.0M
$38.4M
Q1 24
$19.8M
$29.6M
Total Debt
AYTU
AYTU
CZFS
CZFS
Q4 25
$10.0M
Q3 25
$10.4M
Q2 25
$10.9M
Q1 25
$9.5M
Q4 24
$10.0M
Q3 24
$10.4M
Q2 24
$10.9M
Q1 24
$0
Stockholders' Equity
AYTU
AYTU
CZFS
CZFS
Q4 25
$14.2M
$338.1M
Q3 25
$23.2M
$327.7M
Q2 25
$19.0M
$313.7M
Q1 25
$34.9M
$308.3M
Q4 24
$30.8M
$299.7M
Q3 24
$29.8M
$298.7M
Q2 24
$27.7M
$286.5M
Q1 24
$30.8M
$282.7M
Total Assets
AYTU
AYTU
CZFS
CZFS
Q4 25
$122.0M
$3.1B
Q3 25
$125.0M
$3.1B
Q2 25
$124.2M
$3.0B
Q1 25
$124.2M
$3.0B
Q4 24
$116.2M
$3.0B
Q3 24
$115.8M
$3.0B
Q2 24
$118.1M
$2.9B
Q1 24
$128.9M
$2.9B
Debt / Equity
AYTU
AYTU
CZFS
CZFS
Q4 25
0.70×
Q3 25
0.45×
Q2 25
0.57×
Q1 25
0.27×
Q4 24
0.32×
Q3 24
0.35×
Q2 24
0.39×
Q1 24
0.00×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
AYTU
AYTU
CZFS
CZFS
Operating Cash FlowLast quarter
$3.7M
$36.5M
Free Cash FlowOCF − Capex
$3.7M
$35.2M
FCF MarginFCF / Revenue
24.1%
119.0%
Capex IntensityCapex / Revenue
0.1%
4.4%
Cash ConversionOCF / Net Profit
3.49×
TTM Free Cash FlowTrailing 4 quarters
$53.8M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
AYTU
AYTU
CZFS
CZFS
Q4 25
$3.7M
$36.5M
Q3 25
$-618.0K
$2.9M
Q2 25
$2.8M
$6.0M
Q1 25
$-6.5M
$10.9M
Q4 24
$2.9M
$33.2M
Q3 24
$-1.2M
$6.2M
Q2 24
$-788.0K
$3.0M
Q1 24
$-254.0K
$13.5M
Free Cash Flow
AYTU
AYTU
CZFS
CZFS
Q4 25
$3.7M
$35.2M
Q3 25
$2.7M
Q2 25
$5.5M
Q1 25
$-6.5M
$10.4M
Q4 24
$2.9M
$31.9M
Q3 24
$-1.3M
$5.6M
Q2 24
$2.9M
Q1 24
$13.4M
FCF Margin
AYTU
AYTU
CZFS
CZFS
Q4 25
24.1%
119.0%
Q3 25
9.4%
Q2 25
20.1%
Q1 25
-35.4%
39.2%
Q4 24
17.9%
121.6%
Q3 24
-8.0%
22.3%
Q2 24
11.8%
Q1 24
51.5%
Capex Intensity
AYTU
AYTU
CZFS
CZFS
Q4 25
0.1%
4.4%
Q3 25
0.0%
0.5%
Q2 25
1.8%
Q1 25
0.4%
2.2%
Q4 24
0.0%
5.0%
Q3 24
0.8%
2.5%
Q2 24
0.5%
Q1 24
0.0%
0.4%
Cash Conversion
AYTU
AYTU
CZFS
CZFS
Q4 25
3.49×
Q3 25
-0.31×
0.29×
Q2 25
0.71×
Q1 25
-1.62×
1.44×
Q4 24
3.69×
4.16×
Q3 24
-0.81×
0.83×
Q2 24
0.57×
Q1 24
1.92×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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