Citizens Financial Services vs First Western Financial
Citizens Financial Services is the larger business, with $112m of revenue in fiscal 2025 against $96.9m for First Western Financial (1.2 times as much). Citizens Financial Services grew faster (10.3% against 7.6%). Citizens Financial Services kept more of each dollar of sales as profit: a net margin of 32.6% against 13.6%.
| Latest fiscal year | Citizens Financial ServicesCZFS, 2025 | First Western FinancialMYFW, 2025 |
|---|---|---|
| Revenue | $112m | $96.9m |
| Revenue growth | 10.3% | 7.6% |
| Net income | $36.6m | $13.2m |
| Operating margin | — | — |
| Net margin | 32.6% | 13.6% |
| Return on equity | 11.5% | 5.1% |
| Free cash flow | $35.2m | −$5.8m |
| Cash | $34.3m | $200m |
| Total debt | $309m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.98 | — |
| Dividend yield | 2.3% | — |
| Share buybacks | $358,000 | $784,000 |
| Employees | 405 | — |
| Market value | $409m | $304m |
| Price vs our value range | — | — |
| Moat score | 60 (Moderate) | 29 (Weak) |
| Insider trades, 12 months | 10 buys, 3 sales | 0 buys, 23 sales |