CBAN vs CZFS: stock comparison and AI forecast
Colony Bankcorp Inc (CBAN) and Citizens Financial Services Inc (CZFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CBAN Colony Bankcorp Inc
- Market Cap
- $423M
- P/E Ratio
- 12.2x
- Size
- small-cap
- AI Forecast
CZFS Citizens Financial Services Inc
- Market Cap
- $414M
- P/E Ratio
- 9.6x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CBAN and CZFS have similar market capitalizations ($423M and $414M).
- CZFS trades at 9.6 times trailing earnings, CBAN at 12.2 times.
- CZFS carries 9.99 times debt per unit of equity, against 8.30 times for CBAN.
- CZFS yields 2.35% in dividends and CBAN 2.15%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CBAN | CZFS |
|---|---|---|
| Market Cap | $423M | $414M |
| P/E Ratio | 12.17x | 9.63x |
| P/B Ratio | 1.09x | 1.57x |
| Dividend Yield | 2.15% | 2.35% |
| EPS | $1.64 | $8.93 |
| Book Value/Share | $18.38 | $54.73 |
| Revenue/Share | $6.85 | $24.78 |
| FCF/Share | $1.02 | $8.37 |
Profitability & Margins
| Metric | CBAN | CZFS |
|---|---|---|
| ROE | 8.4% | – |
| ROA | 0.9% | – |
| Net Margin | 22.5% | – |
| EBT Margin | 28.2% | 85.8% |
| Tax Rate | 20.2% | 18.4% |
Financial Health
| Metric | CBAN | CZFS |
|---|---|---|
| D/E Ratio | 8.30x | 9.99x |
| Financial Leverage | 9.30x | – |
Cash Flow
| Metric | CBAN | CZFS |
|---|---|---|
| Operating Cash Flow | $24M | $40M |
| Free Cash Flow | $22M | $40M |
| Capital Spending | -$2M | $360K |
| OCF Growth YoY | -52.9% | 31.8% |
| FCF Growth YoY | -56.3% | 46.4% |
| FCF/Sales | 14.9% | 33.8% |
| CapEx/Sales | 1.6% | 0.3% |
Operational Efficiency
| Metric | CBAN | CZFS |
|---|---|---|
| Asset Turnover | 0.04x | – |
| Fixed Assets Turnover | 3.9x | 5.8x |
Income Statement
| Metric | CBAN | CZFS |
|---|---|---|
| Total Revenue | $145M | $119M |
| Net Income | $33M | – |
Dividend & Shareholder Information
| Metric | CBAN | CZFS |
|---|---|---|
| Dividends Per Share | $0.43 | $2.02 |
| Payout Ratio | 26.2% | 22.6% |
| Shares Outstanding | 21M | 5M |
| Net Income Growth | 18.3% | – |
| EPS Growth | 8.6% | 25.6% |
CBAN vs CZFS: stock comparison and AI forecast
Which is bigger, CBAN or CZFS?
CBAN and CZFS have similar market capitalizations ($423M and $414M).
Which is cheaper on earnings, CBAN or CZFS?
CZFS trades at 9.6 times trailing earnings, CBAN at 12.2 times.
Which one does Intratio's AI model rank higher, CBAN or CZFS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.