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Side-by-side financial comparison of CITIZENS FINANCIAL SERVICES INC (CZFS) and FIRST BUSINESS FINANCIAL SERVICES, INC. (FBIZ), based on the latest 10-Q / 10-K filings. Click either name above to swap in a different company.
FIRST BUSINESS FINANCIAL SERVICES, INC. is the larger business by last-quarter revenue ($44.3M vs $2.3M, roughly 19.2× CITIZENS FINANCIAL SERVICES INC). CITIZENS FINANCIAL SERVICES INC runs the higher net margin — 455.0% vs 27.5%, a 427.4% gap on every dollar of revenue. On growth, FIRST BUSINESS FINANCIAL SERVICES, INC. posted the faster year-over-year revenue change (8.5% vs 0.3%). Over the past eight quarters, FIRST BUSINESS FINANCIAL SERVICES, INC.'s revenue compounded faster (20.4% CAGR vs -2.3%).
シチズンズ・フィナンシャル・グループはアメリカの銀行持株会社で、本社はロードアイランド州プロビデンスに置かれています。傘下にシチズンズ銀行（Citizens Bank, N.A.）を保有し、アメリカの10以上の州とワシントンD.C.で事業を展開しています。
PNCフィナンシャル・サービシズ・グループは、米国ペンシルベニア州ピッツバーグを本拠とする銀行持株会社かつ金融サービス企業です。傘下の中核子会社PNC銀行は全米27州とコロンビア特別区で事業を展開し、2629の支店と9523台のATMを保有しており、資産・拠点数・預金規模・ATM数のいずれからみても、米国屈指の大手銀行です。
CZFS vs FBIZ — Head-to-Head
Income Statement — Q4 2025 vs Q1 2026
| Metric | | |
|---|---|---|
| Revenue | $2.3M | $44.3M |
| Net Profit | $10.5M | $12.2M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 455.0% | 27.5% |
| Revenue YoY | 0.3% | 8.5% |
| Net Profit YoY | 31.3% | 9.2% |
| EPS (diluted) | $2.17 | $1.44 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align — see 8-quarter trend below.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history — bar widths are scaled to the larger of the two companies so you can eyeball the size gap and growth trajectory without doing math. Quarters aligned by calendar period (report date) so offset fiscal years line up.
| Q1 26 | — | $44.3M | ||
| Q4 25 | $2.3M | $34.8M | ||
| Q3 25 | $2.8M | $34.9M | ||
| Q2 25 | $2.4M | $33.8M | ||
| Q1 25 | $2.4M | $33.3M | ||
| Q4 24 | $2.3M | $33.1M | ||
| Q3 24 | $2.5M | $31.0M | ||
| Q2 24 | $2.4M | $30.5M |
| Q1 26 | — | $12.2M | ||
| Q4 25 | $10.5M | $13.3M | ||
| Q3 25 | $10.0M | $14.4M | ||
| Q2 25 | $8.5M | $11.4M | ||
| Q1 25 | $7.6M | $11.2M | ||
| Q4 24 | $8.0M | $14.4M | ||
| Q3 24 | $7.5M | $10.5M | ||
| Q2 24 | $5.3M | $10.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 46.7% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 39.6% | ||
| Q1 25 | — | 40.5% | ||
| Q4 24 | — | 46.2% | ||
| Q3 24 | — | 41.5% | ||
| Q2 24 | — | 40.5% |
| Q1 26 | — | 27.5% | ||
| Q4 25 | 455.0% | 38.4% | ||
| Q3 25 | 361.1% | 41.3% | ||
| Q2 25 | 357.5% | 33.8% | ||
| Q1 25 | 312.5% | 33.6% | ||
| Q4 24 | 347.5% | 43.5% | ||
| Q3 24 | 300.2% | 33.9% | ||
| Q2 24 | 220.7% | 34.2% |
| Q1 26 | — | $1.44 | ||
| Q4 25 | $2.17 | $1.57 | ||
| Q3 25 | $2.09 | $1.70 | ||
| Q2 25 | $1.76 | $1.35 | ||
| Q1 25 | $1.60 | $1.32 | ||
| Q4 24 | $1.64 | $1.69 | ||
| Q3 24 | $1.57 | $1.24 | ||
| Q2 24 | $1.10 | $1.23 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest filing — the kind of financial-strength check premium terminals charge for.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $34.3M | $265.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $338.1M | — |
| Total Assets | $3.1B | $4.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q1 26 | — | $265.8M | ||
| Q4 25 | $34.3M | $39.5M | ||
| Q3 25 | $31.1M | $44.3M | ||
| Q2 25 | $49.5M | $123.2M | ||
| Q1 25 | $36.8M | $170.6M | ||
| Q4 24 | $42.2M | $157.7M | ||
| Q3 24 | $36.8M | $132.0M | ||
| Q2 24 | $38.4M | $81.1M |
| Q1 26 | — | — | ||
| Q4 25 | $338.1M | $371.6M | ||
| Q3 25 | $327.7M | $358.3M | ||
| Q2 25 | $313.7M | $344.8M | ||
| Q1 25 | $308.3M | $336.1M | ||
| Q4 24 | $299.7M | $328.6M | ||
| Q3 24 | $298.7M | $312.0M | ||
| Q2 24 | $286.5M | $305.2M |
| Q1 26 | — | $4.3B | ||
| Q4 25 | $3.1B | $4.1B | ||
| Q3 25 | $3.1B | $4.0B | ||
| Q2 25 | $3.0B | $4.0B | ||
| Q1 25 | $3.0B | $3.9B | ||
| Q4 24 | $3.0B | $3.9B | ||
| Q3 24 | $3.0B | $3.7B | ||
| Q2 24 | $2.9B | $3.9B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Net income can be massaged; cash flow is harder to fake.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $16.7M | — |
| Free Cash FlowOCF − Capex | $16.7M | — |
| FCF MarginFCF / Revenue | 723.0% | — |
| Capex IntensityCapex / Revenue; lower = less reinvestment burden | 3.1% | — |
| Cash ConversionOCF / Net Profit; >1× = earnings back up with cash | 1.60× | — |
| TTM Free Cash FlowTrailing 4 quarters | $35.2M | — |
8-quarter trend — quarters aligned by calendar period so offset fiscal years match up.
| Q1 26 | — | — | ||
| Q4 25 | $16.7M | $16.1M | ||
| Q3 25 | $2.9M | $18.4M | ||
| Q2 25 | $6.0M | $15.8M | ||
| Q1 25 | $10.9M | $11.3M | ||
| Q4 24 | $10.5M | $22.0M | ||
| Q3 24 | $6.2M | $13.8M | ||
| Q2 24 | $3.0M | $13.1M |
| Q1 26 | — | — | ||
| Q4 25 | $16.7M | $16.1M | ||
| Q3 25 | $2.7M | $18.3M | ||
| Q2 25 | $5.5M | $15.5M | ||
| Q1 25 | $10.4M | $11.2M | ||
| Q4 24 | $10.0M | $21.9M | ||
| Q3 24 | $5.6M | $13.2M | ||
| Q2 24 | $2.9M | $12.7M |
| Q1 26 | — | — | ||
| Q4 25 | 723.0% | 46.3% | ||
| Q3 25 | 98.5% | 52.3% | ||
| Q2 25 | 231.9% | 45.9% | ||
| Q1 25 | 424.8% | 33.7% | ||
| Q4 24 | 436.3% | 66.1% | ||
| Q3 24 | 222.9% | 42.5% | ||
| Q2 24 | 121.1% | 41.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | 0.1% | ||
| Q3 25 | 5.2% | 0.4% | ||
| Q2 25 | 20.9% | 1.0% | ||
| Q1 25 | 24.0% | 0.2% | ||
| Q4 24 | 20.1% | 0.1% | ||
| Q3 24 | 24.9% | 2.0% | ||
| Q2 24 | 5.3% | 1.3% |
| Q1 26 | — | — | ||
| Q4 25 | 1.60× | 1.21× | ||
| Q3 25 | 0.29× | 1.28× | ||
| Q2 25 | 0.71× | 1.39× | ||
| Q1 25 | 1.44× | 1.01× | ||
| Q4 24 | 1.31× | 1.52× | ||
| Q3 24 | 0.83× | 1.31× | ||
| Q2 24 | 0.57× | 1.25× |
Financial Flow Comparison
Sankey diagram of revenue → gross profit → operating profit → net profit for each company. Charts shown full-width and stacked so both segment hierarchies are readable side-by-side on desktop and mobile.
