COMP <GO>
CZFS vs BAC // GROSS PROFIT MARGIN
Citizens Financial Services Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CZFS 6
— BAC 3
■ METRIC PARITY
LAST: $84.90 (+1.26%) • MKT CAP: $408.4M
gross-margins
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZFS VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZFS | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.80% | 2.50% | +8.30 | CZFS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.95% | 2.10% | +6.85 | CZFS | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | CZFS | /net-margins <GO> |
| Revenue Growth (YoY) | 2.80% | 6.80% | -4.00 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.34% | 0.00% | +2.34 | CZFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 7/9 | -3.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.9 | 38.3 | +28.60 | CZFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.4x | 10.9x | -0.50 | CZFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $408.4M | $357.61B | -$357.20B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZFS REV | BAC REV | CZFS GROSS % | BAC GROSS % | CZFS FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $9.9M | $113.10B | — | — | $36.5M | $7.52B |
| FY 2024 | $9.6M | $105.86B | — | — | $33.2M | -$13.57B |
| FY 2023 | $9.0M | $102.77B | — | — | $26.5M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZFS // BETA —
BAC // BETA 0.90