A profitable company with steady sales. Institutions are adding.
Going well
Profitable every year for 10 years
Brings in more cash than it spends
Raised its dividend (2.3% yield)
Watch out for
Share count growing 5.8% a year
Money moves
No insider buying or selling in the last 30 days
Institutions added 6.1% to their holdings in the quarter ending June 2026 (41 bought, 25 sold)
Facts from SEC filings, not a recommendation.
What the price means
Price as of Oct 26
$84.57+0.2% that day
Company value
$407M
Share price times all shares
Price vs profit (P/E)
9.9x
You pay about $10 for each $1 of yearly profit
Price vs sales
41.3x
Company value is 41.3 times a year of sales
Dividend yield
2.3%
Yearly dividend as a share of today's price
Cash vs value
10%
Cash as a share of company value
From CZFS's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.
The business over time
Last 12 quarters, from SEC filings
Sales, Jun '26
$2.4M+3.2% vs a year earlier
Sep '23Tap a barJun '26
Last 12 months: $9.9M, up 2.5% from the 12 months before.
What the price assumes
Your guesses, our math
Move the sliders to your own view of CZFS. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).
Sales in 5 years$11M
Profit in 5 years$1M
Price these guesses point to$1.69-98% vs $84.57 todayAbout -54% a year, before dividends
Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.
The checklist Warren Buffett-style investors use. Annual numbers for 2025.
2/4Mixed
MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.5%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$36.5M
MissShare count not growingNot diluting owners. Falling means buybacks.+18.4% in 3 years
Revenue
$9.9M
Free cash flow
$36.5M
From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: debt under half of equity, net margin 10%+. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026
Reported Jul 30
Revenue
$2.4M
+3.2% YoY
EPS
$2.12
vs $1.76
Free cash flow
-$376K
Share count
0.0%
vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trend
No trades to chart yet.
Filing buzz
Last 7 days vs normal
0/ 100
This week
0
Normal week
1.6
vs normal
0.0x
SEC filings of any kind. 50 means a normal week.
Institutional ownership
▲Accumulating+6.1%
Institutions added 6.1% to their holdings. 41 bought, 25 sold. 4 quarters of net buying in a row.
Shares held by institutions1.5M
Sep '24Jun '26
Safety check
From SEC filings
Share count growthYearly rate, last 3 years
+0.7%
Cash runwayAt last year's cash burn
Cash flow positive
Debt to equityLatest balance sheet: debt compared with what owners have
Total liabilities $2.8B
Shares outstandingLatest reported
5M
Earnings reports
Last 12
Next reportIn 2 days (est.)Estimated from the same quarter last year
Results filedJul 30
Results filedApr 29
Results filedJan 29
Results filedOct 30, 2025
Results filedJul 30, 2025
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.