CZFS vs FCBM: stock comparison and AI forecast
Citizens Financial Services Inc (CZFS) and First Carolina Financial Services, Inc. (FCBM) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CZFS Citizens Financial Services Inc
- Market Cap
- $414M
- P/E Ratio
- 10.1x
- Size
- small-cap
- AI Forecast
FCBM First Carolina Financial Services, Inc.
- Price
- $13.05 +2.5% · 6M
- Market Cap
- $405M
- P/E Ratio
- –
- 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
- CZFS and FCBM have similar market capitalizations ($414M and $405M).
- CZFS carries 9.99 times debt per unit of equity, against 6.93 times for FCBM.
- CZFS yields 2.33% in dividends; FCBM pays none.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CZFS | FCBM |
|---|---|---|
| Market Cap | $414M | $405M |
| P/E Ratio | 10.07x | – |
| P/B Ratio | 1.57x | 0.94x |
| Dividend Yield | 2.33% | – |
| EPS | $8.54 | – |
| Book Value/Share | $54.73 | $13.83 |
| Revenue/Share | $24.14 | – |
| FCF/Share | $7.67 | – |
Profitability & Margins
| Metric | CZFS | FCBM |
|---|---|---|
| EBT Margin | 82.2% | – |
| Tax Rate | 18.7% | – |
Financial Health
| Metric | CZFS | FCBM |
|---|---|---|
| D/E Ratio | 9.99x | 6.93x |
| Financial Leverage | – | 7.93x |
Cash Flow
| Metric | CZFS | FCBM |
|---|---|---|
| Operating Cash Flow | $38M | – |
| Free Cash Flow | $37M | – |
| Capital Spending | -$630K | – |
| OCF Growth YoY | 11.6% | – |
| FCF Growth YoY | 17.3% | – |
| FCF/Sales | 31.8% | – |
| CapEx/Sales | 0.5% | – |
Operational Efficiency
| Metric | CZFS | FCBM |
|---|---|---|
| Fixed Assets Turnover | 5.6x | – |
Income Statement
| Metric | CZFS | FCBM |
|---|---|---|
| Total Revenue | $116M | – |
Dividend & Shareholder Information
| Metric | CZFS | FCBM |
|---|---|---|
| Dividends Per Share | $2.01 | – |
| Payout Ratio | 23.5% | – |
| Shares Outstanding | 5M | 31M |
| EPS Growth | 29.2% | – |
CZFS vs FCBM: stock comparison and AI forecast
Which is bigger, CZFS or FCBM?
CZFS and FCBM have similar market capitalizations ($414M and $405M).
Which one does Intratio's AI model rank higher, CZFS or FCBM?
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.
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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.