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CZFS vs FLXS

Comparison between Citizens Financial Services Inc (CZFS, Company) and Flexsteel Industries Inc (FLXS, Company).

CZFS is from the Financial Services sector, while FLXS is from the Consumer Cyclical sector.

5-Year PerformanceFLXS has outperformed CZFS, delivering a return of +16.8% compared to +9.9%

CZFS vs FLXS - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
CZFS
$394M
Winner
FLXS
$395M
Max Drawdown
Winner
CZFS
56.28%
FLXS
87.15%
Sharpe Ratio
CZFS
1.09
Winner
FLXS
1.52
5Y Beta
Winner
CZFS
0.80
FLXS
1.07
Industry
CZFS
Banks - Regional
FLXS
Furnishings, Fixtures & Appliances
P/E Ratio
Winner
CZFS
10.10
FLXS
12.65
Forward P/E
Winner
CZFS
9.27
FLXS
14.60
PEG Ratio
CZFS
0.24
Winner
FLXS
0.11
Dividend Yield
Winner
CZFS
2.46%
FLXS
1.08%
5Y Dividends CAGR
CZFS
6.89%
Winner
FLXS
28.47%
5Y EPS CAGR
CZFS
10.04%
FLXS
N/A
Debt to Equity
CZFS
0.00%
FLXS
0.00%
Free Cash Flow Yield
CZFS
9.53%
Winner
FLXS
9.80%
P/S Ratio
CZFS
3.46
Winner
FLXS
0.66
P/B Ratio
Winner
CZFS
1.09
FLXS
1.62

CZFS vs FLXS - Historical Returns

Returns include dividend reinvestment.

1M
Winner
CZFS
+11.23%
FLXS
-2.90%
3M
CZFS
+28.81%
Winner
FLXS
+33.74%
6M
Winner
CZFS
+29.68%
FLXS
+24.78%
1Y
CZFS
+50.12%
Winner
FLXS
+97.25%
5Y(CAGR)
CZFS
+9.92%
Winner
FLXS
+16.78%
10Y(CAGR)
Winner
CZFS
+9.61%
FLXS
+7.59%
Max(CAGR)
Winner
CZFS
+12.80%
FLXS
+9.59%

CZFS vs FLXS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCZFSFLXS
2026+49.49%+79.00%
2025-3.27%-24.37%
2024+3.35%+195.91%
2023-12.16%+21.84%
2022+31.15%-40.62%
2021+14.87%-16.54%
2020-4.54%+83.03%
2019+12.77%-12.72%
2018-7.82%-51.83%
2017+34.26%-22.34%
2016+13.55%+44.13%
2015-3.03%+42.15%
2014+8.49%+7.72%
2013+38.27%+37.95%
2012+29.99%+57.76%
2011-3.11%-21.04%
2010+47.79%+84.21%
2009+39.87%+49.93%
2008+3.26%-40.89%
2007-7.53%-0.53%
2006+13.12%-9.15%
2005-8.95%-16.81%
2004+4.26%-19.34%
2003+13.19%+41.47%
2002+64.92%+50.02%
2001+25.02%+4.75%
2000N/A-4.92%
1999N/A+1.95%

CZFS vs FLXS Drawdown Comparison

The maximum drawdown for CZFS was -54.99%, occurring on Apr 26, 2024. Recovery took 788 trading sessions.

The maximum drawdown for FLXS was -85.59%, occurring on May 19, 2020. Recovery took 1978 trading sessions.

The current CZFS drawdown is -1.28%. The current FLXS drawdown is -9.01%.

RankCZFSFLXS
#1-54.99%
Jun 12, 2023 - Aug 4, 2026
-85.59%
Dec 9, 2016 - Oct 22, 2024
#2-40.57%
Feb 14, 2020 - Jul 6, 2021
-74.94%
Apr 16, 2004 - Apr 10, 2012
#3-25.83%
Jul 31, 2008 - Jul 20, 2009
-54.09%
Dec 13, 2024 - Jun 11, 2026
#4-24.55%
Apr 29, 2003 - Apr 5, 2007
-37.56%
Jun 18, 2015 - Oct 28, 2015
#5-22.37%
Aug 29, 2022 - Feb 6, 2023
-25.69%
Jun 14, 2000 - Feb 28, 2002
#6-22.21%
Apr 19, 2007 - May 7, 2008
-25.27%
Apr 2, 2014 - Jun 15, 2015
#7-18.25%
Feb 10, 2023 - Apr 10, 2023
-24.99%
Mar 25, 2013 - Jul 15, 2013
#8-17.50%
Jul 29, 2011 - May 8, 2012
-24.85%
Sep 23, 2016 - Nov 18, 2016
#9-17.23%
Mar 19, 2014 - Oct 11, 2016
-22.21%
Apr 16, 2002 - Dec 31, 2002
#10-16.91%
Apr 20, 2023 - Jun 7, 2023
-22.18%
Jan 9, 2003 - Jun 5, 2003
#11-13.27%
Oct 2, 2018 - Mar 29, 2019
-21.10%
Nov 30, 2015 - Aug 30, 2016
#12-11.51%
Jan 11, 2011 - Jul 29, 2011
-18.30%
Aug 9, 2012 - Dec 21, 2012
#13-11.11%
Jul 31, 2009 - Oct 21, 2009
-17.20%
Dec 26, 2013 - Feb 7, 2014
#14-10.45%
Aug 17, 2010 - Nov 3, 2010
-15.29%
Feb 16, 2000 - Jun 14, 2000
#15-10.17%
Apr 30, 2010 - Jul 19, 2010
-14.08%
Feb 10, 2004 - Apr 16, 2004

Correlation

Correlation between CZFS and FLXS is 0.73 which considered as a strong positive correlation - the stocks tend to move together.

0.73
-101

Dividend Comparison (1999 - 2026)

CZFS vs FLXS dividend yield comparison.

YearCZFSFLXS
20261.23%0.64%
20253.49%1.95%
20243.09%1.18%
20233.75%3.18%
20222.48%3.90%
20213.08%2.23%
20203.44%1.20%
20192.90%4.42%
20182.35%3.99%
20172.68%1.80%
20163.14%1.23%
20153.53%1.63%
20144.04%2.05%
20132.27%1.95%
20122.96%2.56%
20113.35%2.53%
20102.97%1.41%
20093.98%1.96%
20085.05%7.77%
20074.50%4.33%
20063.80%4.13%
20053.92%3.70%
20043.26%2.95%
20033.09%2.31%
20023.08%3.11%
20014.54%4.62%
20000.00%4.52%
19990.00%0.97%

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