COMP <GO>
GBC vs CZFS // PIOTROSKI F-SCORE QUALITY
Georgia Banking Company Inc. (NASDAQ) VS. Citizens Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: GBC 0
— CZFS 3
■ METRIC PARITY
LAST: $38.28 (0.00%) • MKT CAP: $395.8M
piotroski-score
—
LAST: $84.90 (+1.26%) • MKT CAP: $408.4M
piotroski-score
4/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (GBC VS. CZFS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | GBC | CZFS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | — | 10.80% | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 8.95% | — | TIE | /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 | 0.00% | 2.34% | -2.34 | CZFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | — | 4/9 | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.6 | 66.9 | -12.30 | CZFS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.4x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $395.8M | $408.4M | -$12.6M | CZFS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | GBC REV | CZFS REV | GBC GROSS % | CZFS GROSS % | GBC FCF | CZFS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $9.9M | — | — | — | $36.5M |
| FY 2024 | — | $9.6M | — | — | — | $33.2M |
| FY 2023 | — | $9.0M | — | — | — | $26.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
GBC // BETA —
CZFS // BETA —