Citizens Financial Services vs Investar Holding
Citizens Financial Services is the larger business, with $112m of revenue in fiscal 2025 against $93.6m for Investar Holding (1.2 times as much). Citizens Financial Services grew faster (10.3% against 7.1%). Citizens Financial Services kept more of each dollar of sales as profit: a net margin of 32.6% against 24.5%.
| Latest fiscal year | Citizens Financial ServicesCZFS, 2025 | Investar HoldingISTR, 2025 |
|---|---|---|
| Revenue | $112m | $93.6m |
| Revenue growth | 10.3% | 7.1% |
| Net income | $36.6m | $22.9m |
| Operating margin | — | — |
| Net margin | 32.6% | 24.5% |
| Return on equity | 11.5% | 8.4% |
| Free cash flow | $35.2m | $18.2m |
| Cash | $34.3m | — |
| Total debt | $309m | $9.8m |
| Debt to equity | — | — |
| Dividend per share | $1.98 | $0.43 |
| Dividend yield | 2.3% | 1.2% |
| Share buybacks | $358,000 | $2.3m |
| Employees | 405 | — |
| Market value | $409m | $385m |
| Price vs our value range | — | — |
| Moat score | 60 (Moderate) | 50 (Moderate) |
| Insider trades, 12 months | 10 buys, 3 sales | 0 buys, 0 sales |