COMP <GO>
CZFS vs PCB // 10Y YIELD & FRED MACRO BETA
Citizens Financial Services Inc. (NASDAQ) VS. PCB Bancorp (NASDAQ) • 15-METRIC TALLY: CZFS 2
— PCB 6
■ METRIC PARITY
LAST: $84.90 (+1.26%) • MKT CAP: $408.4M
macro-sensitivity
—
LAST: $29.10 (+0.45%) • MKT CAP: $408.7M
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CZFS VS. PCB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CZFS | PCB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.80% | 9.60% | +1.20 | CZFS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.95% | 5.97% | +2.98 | CZFS | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 2.80% | 4.50% | -1.70 | PCB | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.34% | 2.81% | -0.47 | PCB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | PCB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.9 | 67.3 | -0.42 | PCB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.4x | 10.1x | +0.30 | PCB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $408.4M | $408.7M | -$341.2K | PCB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CZFS REV | PCB REV | CZFS GROSS % | PCB GROSS % | CZFS FCF | PCB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $9.9M | $2.9M | — | — | $36.5M | $24.4M |
| FY 2024 | $9.6M | $2.8M | — | — | $33.2M | $34.9M |
| FY 2023 | $9.0M | $2.6M | — | — | $26.5M | $63.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CZFS // BETA —
PCB // BETA —