Citizens Financial Services, Inc.CZFSNASDAQ
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How large is the business and how fast is it growing?
Walking down the income statement: how much of each revenue dollar survives as profit?
Does reported profit actually become cash? Free cash flow is the truest measure of earnings quality.
The balance sheet snapshot: liquidity, leverage, and net worth.
How efficiently does management deploy the capital entrusted to them?
What the market charges per dollar of earnings, cash flow, revenue, and book value.