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