Avidia Bancorp vs Citizens Financial Services
Avidia Bancorp and Citizens Financial Services are similar in size: $104m and $112m of revenue in their latest fiscal years. Avidia Bancorp grew faster (14.7% against 10.3%). Citizens Financial Services kept more of each dollar of sales as profit: a net margin of 32.6% against -3.2%.
| Latest fiscal year | Avidia BancorpAVBC, 2025 | Citizens Financial ServicesCZFS, 2025 |
|---|---|---|
| Revenue | $104m | $112m |
| Revenue growth | 14.7% | 10.3% |
| Net income | −$3.3m | $36.6m |
| Operating margin | — | — |
| Net margin | -3.2% | 32.6% |
| Return on equity | -1.1% | 11.5% |
| Free cash flow | $24.1m | $35.2m |
| Cash | — | $34.3m |
| Total debt | $0 | $309m |
| Debt to equity | — | — |
| Dividend per share | — | $1.98 |
| Dividend yield | — | 2.3% |
| Share buybacks | — | $358,000 |
| Employees | 241 | 405 |
| Market value | $465m | $409m |
| Price vs our value range | — | — |
| Moat score | — | 60 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 10 buys, 3 sales |