COMP <GO>
FNLC vs CZFS // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
First Bancorp Inc (ME) (NASDAQ) VS. Citizens Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: FNLC 4
— CZFS 3
■ METRIC PARITY
LAST: $36.56 (+0.77%) • MKT CAP: $412.5M
options-implied-move
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LAST: $84.90 (+1.26%) • MKT CAP: $408.4M
options-implied-move
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FNLC VS. CZFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FNLC | CZFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.10% | 10.80% | +1.30 | FNLC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.39% | 8.95% | -0.56 | CZFS | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 2.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.96% | 2.34% | +1.62 | FNLC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | FNLC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 64.1 | 66.9 | -2.80 | CZFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.2x | 10.4x | +0.80 | CZFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $412.5M | $408.4M | $4.1M | FNLC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FNLC REV | CZFS REV | FNLC GROSS % | CZFS GROSS % | FNLC FCF | CZFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $9.9M | — | — | $34.6M | $36.5M |
| FY 2024 | $0 | $9.6M | — | — | $24.6M | $33.2M |
| FY 2023 | $0 | $9.0M | — | — | $36.9M | $26.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FNLC // BETA —
CZFS // BETA —