CZFS vs QCRH: stock comparison and AI forecast
Citizens Financial Services Inc (CZFS) and Qcr Holdings Inc (QCRH) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CZFS Citizens Financial Services Inc
- Price
- $86.01 +42.3% · 6M
- Market Cap
- $414M
- P/E Ratio
- 10.1x
- Size
- small-cap
- AI Forecast
QCRH Qcr Holdings Inc
- Market Cap
- $1.69B
- P/E Ratio
- 12.3x
- 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
- QCRH is 4.1 times larger than CZFS by market capitalization ($1.69B against $414M).
- CZFS trades at 10.1 times trailing earnings, QCRH at 12.2 times.
- CZFS carries 9.99 times debt per unit of equity, against 7.28 times for QCRH.
- CZFS yields 2.33% in dividends and QCRH 0.28%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CZFS | QCRH |
|---|---|---|
| Market Cap | $414M | $1.69B |
| P/E Ratio | 10.07x | 12.25x |
| P/B Ratio | 1.57x | 1.47x |
| Dividend Yield | 2.33% | 0.28% |
| EPS | $8.54 | $8.44 |
| Book Value/Share | $54.73 | $70.21 |
| Revenue/Share | $24.14 | $23.16 |
| FCF/Share | $7.67 | $48.41 |
Profitability & Margins
| Metric | CZFS | QCRH |
|---|---|---|
| ROE | – | 12.3% |
| ROA | – | 1.5% |
| Net Margin | – | 37.5% |
| EBT Margin | 82.2% | 40.7% |
| Tax Rate | 18.7% | 8.1% |
Financial Health
| Metric | CZFS | QCRH |
|---|---|---|
| D/E Ratio | 9.99x | 7.28x |
| Financial Leverage | – | 8.28x |
Cash Flow
| Metric | CZFS | QCRH |
|---|---|---|
| Operating Cash Flow | $38M | $859M |
| Free Cash Flow | $37M | $793M |
| Capital Spending | -$630K | -$66M |
| OCF Growth YoY | 11.6% | 89.1% |
| FCF Growth YoY | 17.3% | 95.8% |
| FCF/Sales | 31.8% | 209.0% |
| CapEx/Sales | 0.5% | 17.4% |
Operational Efficiency
| Metric | CZFS | QCRH |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | 5.6x | 1.6x |
Income Statement
| Metric | CZFS | QCRH |
|---|---|---|
| Total Revenue | $116M | $379M |
| Net Income | – | $142M |
Dividend & Shareholder Information
| Metric | CZFS | QCRH |
|---|---|---|
| Dividends Per Share | $2.01 | $0.29 |
| Payout Ratio | 23.5% | 3.4% |
| Shares Outstanding | 5M | 16M |
| Net Income Growth | – | 25.9% |
| EPS Growth | 29.2% | 27.1% |
CZFS vs QCRH: stock comparison and AI forecast
Which is bigger, CZFS or QCRH?
QCRH is 4.1 times larger than CZFS by market capitalization ($1.69B against $414M).
Which is cheaper on earnings, CZFS or QCRH?
CZFS trades at 10.1 times trailing earnings, QCRH at 12.2 times.
Which one does Intratio's AI model rank higher, CZFS or QCRH?
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.