Citizens Financial Services vs Ponce Financial Group
Citizens Financial Services and Ponce Financial Group are similar in size: $112m and $109m of revenue in their latest fiscal years. Ponce Financial Group grew faster (30.5% against 10.3%). Citizens Financial Services kept more of each dollar of sales as profit: a net margin of 32.6% against 26.3%.
| Latest fiscal year | Citizens Financial ServicesCZFS, 2025 | Ponce Financial GroupPDLB, 2025 |
|---|---|---|
| Revenue | $112m | $109m |
| Revenue growth | 10.3% | 30.5% |
| Net income | $36.6m | $28.7m |
| Operating margin | — | — |
| Net margin | 32.6% | 26.3% |
| Return on equity | 11.5% | 5.5% |
| Free cash flow | $35.2m | $54.6m |
| Cash | $34.3m | $126m |
| Total debt | $309m | $596m |
| Debt to equity | — | — |
| Dividend per share | $1.98 | — |
| Dividend yield | 2.3% | — |
| Share buybacks | $358,000 | — |
| Employees | 405 | 216 |
| Market value | $409m | $532m |
| Price vs our value range | — | — |
| Moat score | 60 (Moderate) | 17 (Weak) |
| Insider trades, 12 months | 10 buys, 3 sales | 0 buys, 1 sales |