COMP <GO>
CZFS vs JPM // GROSS PROFIT MARGIN
Citizens Financial Services Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: CZFS 6
— JPM 3
■ METRIC PARITY
LAST: $84.90 (+1.26%) • MKT CAP: $408.4M
gross-margins
—
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZFS VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZFS | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.80% | 17.37% | -6.57 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.95% | -18.14% | +27.09 | CZFS | /fcf-yield <GO> |
| Operating Margin | — | 42.07% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 32.63% | +35.37 | CZFS | /net-margins <GO> |
| Revenue Growth (YoY) | 2.80% | 13.53% | -10.73 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.34% | 1.96% | +0.38 | CZFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 2/9 | +2.00 | CZFS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.9 | 55.1 | +11.80 | CZFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.00 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.4x | 13.6x | -3.17 | CZFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $408.4M | $913.30B | -$912.89B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZFS REV | JPM REV | CZFS GROSS % | JPM GROSS % | CZFS FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $9.9M | $182.45B | — | — | $36.5M | -$147.78B |
| FY 2024 | $9.6M | $177.56B | — | — | $33.2M | -$42.01B |
| FY 2023 | $9.0M | $158.10B | — | — | $26.5M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZFS // BETA —
JPM // BETA 1.00