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

Ouster, Inc. is the larger business by last-quarter revenue ($48.6M vs $29.6M, roughly 1.6× CITIZENS FINANCIAL SERVICES INC). CITIZENS FINANCIAL SERVICES INC runs the higher net margin — 35.4% vs 8.2%, a 27.2% gap on every dollar of revenue. On growth, Ouster, Inc. posted the faster year-over-year revenue change (48.9% vs 13.0%). Over the past eight quarters, Ouster, Inc.'s revenue compounded faster (34.2% CAGR vs 6.9%).

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.

Ouster, Inc. is an American lidar technology company headquartered in San Francisco, California. It builds high-resolution, digital 3D lidar sensors for use in autonomous vehicles, industrial, robotics, drones, mapping, defense, and security systems.

CZFS vs OUST — Head-to-Head

Bigger by revenue
OUST
OUST
1.6× larger
OUST
$48.6M
$29.6M
CZFS
Growing faster (revenue YoY)
OUST
OUST
+35.9% gap
OUST
48.9%
13.0%
CZFS
Higher net margin
CZFS
CZFS
27.2% more per $
CZFS
35.4%
8.2%
OUST
Faster 2-yr revenue CAGR
OUST
OUST
Annualised
OUST
34.2%
6.9%
CZFS

Income Statement — Q4 FY2025 vs Q1 FY2026

Metric
CZFS
CZFS
OUST
OUST
Revenue
$29.6M
$48.6M
Net Profit
$10.5M
$4.0M
Gross Margin
42.9%
Operating Margin
44.2%
17.6%
Net Margin
35.4%
8.2%
Revenue YoY
13.0%
48.9%
Net Profit YoY
31.3%
EPS (diluted)
$2.17
$0.06

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
CZFS
CZFS
OUST
OUST
Q1 26
$48.6M
Q4 25
$29.6M
$62.2M
Q3 25
$29.0M
$39.5M
Q2 25
$27.3M
$35.0M
Q1 25
$26.4M
$32.6M
Q4 24
$26.2M
$30.1M
Q3 24
$25.1M
$28.1M
Q2 24
$24.6M
$27.0M
Net Profit
CZFS
CZFS
OUST
OUST
Q1 26
$4.0M
Q4 25
$10.5M
Q3 25
$10.0M
$-21.7M
Q2 25
$8.5M
$-20.6M
Q1 25
$7.6M
$-22.0M
Q4 24
$8.0M
Q3 24
$7.5M
$-25.6M
Q2 24
$5.3M
$-23.9M
Gross Margin
CZFS
CZFS
OUST
OUST
Q1 26
42.9%
Q4 25
60.2%
Q3 25
42.1%
Q2 25
45.2%
Q1 25
41.3%
Q4 24
43.8%
Q3 24
38.3%
Q2 24
33.7%
Operating Margin
CZFS
CZFS
OUST
OUST
Q1 26
17.6%
Q4 25
44.2%
1.5%
Q3 25
42.6%
-61.4%
Q2 25
38.1%
-76.5%
Q1 25
35.5%
-73.0%
Q4 24
37.2%
-85.1%
Q3 24
36.9%
-98.0%
Q2 24
25.9%
-93.6%
Net Margin
CZFS
CZFS
OUST
OUST
Q1 26
8.2%
Q4 25
35.4%
Q3 25
34.5%
-55.0%
Q2 25
31.0%
-58.8%
Q1 25
28.8%
-67.5%
Q4 24
30.5%
Q3 24
30.0%
-91.1%
Q2 24
21.4%
-88.4%
EPS (diluted)
CZFS
CZFS
OUST
OUST
Q1 26
$0.06
Q4 25
$2.17
$0.10
Q3 25
$2.09
$-0.37
Q2 25
$1.76
$-0.38
Q1 25
$1.60
$-0.42
Q4 24
$1.64
$-0.46
Q3 24
$1.57
$-0.54
Q2 24
$1.10
$-0.53

Balance Sheet & Financial Strength

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

Metric
CZFS
CZFS
OUST
OUST
Cash + ST InvestmentsLiquidity on hand
$34.3M
$173.1M
Total DebtLower is stronger
Stockholders' EquityBook value
$338.1M
$275.6M
Total Assets
$3.1B
$381.5M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CZFS
CZFS
OUST
OUST
Q1 26
$173.1M
Q4 25
$34.3M
$208.6M
Q3 25
$31.1M
$244.5M
Q2 25
$49.5M
$226.5M
Q1 25
$36.8M
$168.2M
Q4 24
$42.2M
$172.0M
Q3 24
$36.8M
$151.4M
Q2 24
$38.4M
$184.2M
Stockholders' Equity
CZFS
CZFS
OUST
OUST
Q1 26
$275.6M
Q4 25
$338.1M
$261.7M
Q3 25
$327.7M
$247.4M
Q2 25
$313.7M
$221.0M
Q1 25
$308.3M
$167.9M
Q4 24
$299.7M
$180.9M
Q3 24
$298.7M
$171.7M
Q2 24
$286.5M
$170.6M
Total Assets
CZFS
CZFS
OUST
OUST
Q1 26
$381.5M
Q4 25
$3.1B
$349.5M
Q3 25
$3.1B
$353.8M
Q2 25
$3.0B
$321.8M
Q1 25
$3.0B
$268.6M
Q4 24
$3.0B
$276.1M
Q3 24
$3.0B
$255.2M
Q2 24
$2.9B
$309.9M

Cash Flow & Capital Efficiency

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

Metric
CZFS
CZFS
OUST
OUST
Operating Cash FlowLast quarter
$36.5M
Free Cash FlowOCF − Capex
$35.2M
FCF MarginFCF / Revenue
119.0%
Capex IntensityCapex / Revenue
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
CZFS
CZFS
OUST
OUST
Q1 26
Q4 25
$36.5M
$-15.4M
Q3 25
$2.9M
$-18.3M
Q2 25
$6.0M
$-1.3M
Q1 25
$10.9M
$-4.9M
Q4 24
$33.2M
$-2.6M
Q3 24
$6.2M
$-3.8M
Q2 24
$3.0M
$-21.6M
Free Cash Flow
CZFS
CZFS
OUST
OUST
Q1 26
Q4 25
$35.2M
$-37.2M
Q3 25
$2.7M
$-20.0M
Q2 25
$5.5M
$-2.2M
Q1 25
$10.4M
$-5.4M
Q4 24
$31.9M
$-4.0M
Q3 24
$5.6M
$-4.3M
Q2 24
$2.9M
$-22.0M
FCF Margin
CZFS
CZFS
OUST
OUST
Q1 26
Q4 25
119.0%
-59.8%
Q3 25
9.4%
-50.7%
Q2 25
20.1%
-6.3%
Q1 25
39.2%
-16.6%
Q4 24
121.6%
-13.3%
Q3 24
22.3%
-15.4%
Q2 24
11.8%
-81.5%
Capex Intensity
CZFS
CZFS
OUST
OUST
Q1 26
Q4 25
4.4%
35.0%
Q3 25
0.5%
4.3%
Q2 25
1.8%
2.5%
Q1 25
2.2%
1.7%
Q4 24
5.0%
4.8%
Q3 24
2.5%
2.0%
Q2 24
0.5%
1.3%
Cash Conversion
CZFS
CZFS
OUST
OUST
Q1 26
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×

Financial Flow Comparison

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

Revenue Breakdown by Segment

CZFS
CZFS

Segment breakdown not available.

OUST
OUST

Product revenue$48.2M99%
Royalties$347.0K1%

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