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Side-by-side financial comparison of CITIZENS FINANCIAL SERVICES INC (CZFS) and ON24 INC. (ONTF). Click either name above to swap in a different company.
ON24 INC. is the larger business by last-quarter revenue ($34.6M vs $29.6M, roughly 1.2× CITIZENS FINANCIAL SERVICES INC). CITIZENS FINANCIAL SERVICES INC runs the higher net margin — 35.4% vs -18.8%, a 54.2% gap on every dollar of revenue. On growth, CITIZENS FINANCIAL SERVICES INC posted the faster year-over-year revenue change (13.0% vs -5.6%). CITIZENS FINANCIAL SERVICES INC produced more free cash flow last quarter ($35.2M vs $-2.2M). Over the past eight quarters, CITIZENS FINANCIAL SERVICES INC's revenue compounded faster (6.9% CAGR vs -4.2%).
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.
ON24 Inc., a San Francisco-based company, is a cloud-based platform that develops and sells web-based webinar, virtual conferencing, content hub, and landing page applications as a service for marketing and sales teams in B2B organizations. In 2023 it expanded its offerings to include generative AI services.
CZFS vs ONTF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $29.6M | $34.6M |
| Net Profit | $10.5M | $-6.5M |
| Gross Margin | — | 74.9% |
| Operating Margin | 44.2% | -23.5% |
| Net Margin | 35.4% | -18.8% |
| Revenue YoY | 13.0% | -5.6% |
| Net Profit YoY | 31.3% | 26.8% |
| EPS (diluted) | $2.17 | $-0.15 |
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.
| Q4 25 | $29.6M | $34.6M | ||
| Q3 25 | $29.0M | $34.6M | ||
| Q2 25 | $27.3M | $35.3M | ||
| Q1 25 | $26.4M | $34.7M | ||
| Q4 24 | $26.2M | $36.7M | ||
| Q3 24 | $25.1M | $36.3M | ||
| Q2 24 | $24.6M | $37.3M | ||
| Q1 24 | $25.9M | $37.7M |
| Q4 25 | $10.5M | $-6.5M | ||
| Q3 25 | $10.0M | $-6.4M | ||
| Q2 25 | $8.5M | $-7.3M | ||
| Q1 25 | $7.6M | $-8.7M | ||
| Q4 24 | $8.0M | $-8.9M | ||
| Q3 24 | $7.5M | $-11.4M | ||
| Q2 24 | $5.3M | $-11.2M | ||
| Q1 24 | $7.0M | $-10.7M |
| Q4 25 | — | 74.9% | ||
| Q3 25 | — | 74.7% | ||
| Q2 25 | — | 75.1% | ||
| Q1 25 | — | 73.8% | ||
| Q4 24 | — | 74.5% | ||
| Q3 24 | — | 74.3% | ||
| Q2 24 | — | 74.5% | ||
| Q1 24 | — | 74.1% |
| Q4 25 | 44.2% | -23.5% | ||
| Q3 25 | 42.6% | -23.1% | ||
| Q2 25 | 38.1% | -26.0% | ||
| Q1 25 | 35.5% | -30.1% | ||
| Q4 24 | 37.2% | -32.1% | ||
| Q3 24 | 36.9% | -36.7% | ||
| Q2 24 | 25.9% | -35.0% | ||
| Q1 24 | 32.8% | -33.1% |
| Q4 25 | 35.4% | -18.8% | ||
| Q3 25 | 34.5% | -18.4% | ||
| Q2 25 | 31.0% | -20.6% | ||
| Q1 25 | 28.8% | -25.1% | ||
| Q4 24 | 30.5% | -24.2% | ||
| Q3 24 | 30.0% | -31.4% | ||
| Q2 24 | 21.4% | -29.9% | ||
| Q1 24 | 27.1% | -28.4% |
| Q4 25 | $2.17 | $-0.15 | ||
| Q3 25 | $2.09 | $-0.15 | ||
| Q2 25 | $1.76 | $-0.17 | ||
| Q1 25 | $1.60 | $-0.21 | ||
| Q4 24 | $1.64 | $-0.21 | ||
| Q3 24 | $1.57 | $-0.27 | ||
| Q2 24 | $1.10 | $-0.27 | ||
| Q1 24 | $1.48 | $-0.26 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $34.3M | $37.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.1M | $139.4M |
| Total Assets | $3.1B | $228.4M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $34.3M | $37.0M | ||
| Q3 25 | $31.1M | $47.2M | ||
| Q2 25 | $49.5M | $37.7M | ||
| Q1 25 | $36.8M | $26.8M | ||
| Q4 24 | $42.2M | $14.9M | ||
| Q3 24 | $36.8M | $11.0M | ||
| Q2 24 | $38.4M | $15.5M | ||
| Q1 24 | $29.6M | $18.3M |
| Q4 25 | $338.1M | $139.4M | ||
| Q3 25 | $327.7M | $144.3M | ||
| Q2 25 | $313.7M | $150.0M | ||
| Q1 25 | $308.3M | $153.7M | ||
| Q4 24 | $299.7M | $159.4M | ||
| Q3 24 | $298.7M | $164.9M | ||
| Q2 24 | $286.5M | $170.8M | ||
| Q1 24 | $282.7M | $174.4M |
| Q4 25 | $3.1B | $228.4M | ||
| Q3 25 | $3.1B | $224.8M | ||
| Q2 25 | $3.0B | $235.1M | ||
| Q1 25 | $3.0B | $245.8M | ||
| Q4 24 | $3.0B | $251.0M | ||
| Q3 24 | $3.0B | $250.9M | ||
| Q2 24 | $2.9B | $259.0M | ||
| Q1 24 | $2.9B | $269.2M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $36.5M | $-1.1M |
| Free Cash FlowOCF − Capex | $35.2M | $-2.2M |
| FCF MarginFCF / Revenue | 119.0% | -6.4% |
| Capex IntensityCapex / Revenue | 4.4% | 3.3% |
| Cash ConversionOCF / Net Profit | 3.49× | — |
| TTM Free Cash FlowTrailing 4 quarters | $53.8M | $4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $36.5M | $-1.1M | ||
| Q3 25 | $2.9M | $2.5M | ||
| Q2 25 | $6.0M | $2.6M | ||
| Q1 25 | $10.9M | $3.4M | ||
| Q4 24 | $33.2M | $985.0K | ||
| Q3 24 | $6.2M | $295.0K | ||
| Q2 24 | $3.0M | $1.4M | ||
| Q1 24 | $13.5M | $2.1M |
| Q4 25 | $35.2M | $-2.2M | ||
| Q3 25 | $2.7M | $2.2M | ||
| Q2 25 | $5.5M | $2.1M | ||
| Q1 25 | $10.4M | $1.9M | ||
| Q4 24 | $31.9M | $424.0K | ||
| Q3 24 | $5.6M | $143.0K | ||
| Q2 24 | $2.9M | $898.0K | ||
| Q1 24 | $13.4M | $1.1M |
| Q4 25 | 119.0% | -6.4% | ||
| Q3 25 | 9.4% | 6.2% | ||
| Q2 25 | 20.1% | 5.9% | ||
| Q1 25 | 39.2% | 5.6% | ||
| Q4 24 | 121.6% | 1.2% | ||
| Q3 24 | 22.3% | 0.4% | ||
| Q2 24 | 11.8% | 2.4% | ||
| Q1 24 | 51.5% | 2.9% |
| Q4 25 | 4.4% | 3.3% | ||
| Q3 25 | 0.5% | 1.1% | ||
| Q2 25 | 1.8% | 1.4% | ||
| Q1 25 | 2.2% | 4.2% | ||
| Q4 24 | 5.0% | 1.5% | ||
| Q3 24 | 2.5% | 0.4% | ||
| Q2 24 | 0.5% | 1.3% | ||
| Q1 24 | 0.4% | 2.8% |
| Q4 25 | 3.49× | — | ||
| Q3 25 | 0.29× | — | ||
| Q2 25 | 0.71× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.16× | — | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.57× | — | ||
| Q1 24 | 1.92× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
