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CZFS vs FRBA

Comparison between Citizens Financial Services Inc (CZFS, Company) and First Bank (NJ) (FRBA, Company).

Both CZFS and FRBA are from the Financial Services sector.

5-Year PerformanceCZFS has outperformed FRBA, delivering a return of +10.1% compared to +9.2%

CZFS vs FRBA - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
CZFS
$394M
Winner
FRBA
$395M
Max Drawdown
Winner
CZFS
56.28%
FRBA
79.09%
Sharpe Ratio
Winner
CZFS
1.09
FRBA
0.73
5Y Beta
CZFS
0.80
Winner
FRBA
0.62
Industry
CZFS
Banks - Regional
FRBA
Banks - Regional
P/E Ratio
CZFS
10.10
Winner
FRBA
9.65
Forward P/E
CZFS
9.27
Winner
FRBA
8.34
PEG Ratio
CZFS
0.24
Winner
FRBA
0.00
Dividend Yield
Winner
CZFS
2.46%
FRBA
1.58%
5Y Dividends CAGR
CZFS
6.89%
Winner
FRBA
26.58%
5Y EPS CAGR
CZFS
10.04%
FRBA
N/A
Debt to Equity
CZFS
0.00%
FRBA
N/A
Free Cash Flow Yield
CZFS
9.53%
FRBA
N/A
P/S Ratio
CZFS
3.46
Winner
FRBA
2.92
P/B Ratio
CZFS
1.09
Winner
FRBA
0.94

CZFS vs FRBA - Historical Returns

Returns include dividend reinvestment.

1M
Winner
CZFS
+15.73%
FRBA
+10.60%
3M
Winner
CZFS
+32.88%
FRBA
+26.57%
6M
Winner
CZFS
+31.18%
FRBA
+11.13%
1Y
Winner
CZFS
+44.73%
FRBA
+21.25%
5Y(CAGR)
Winner
CZFS
+10.08%
FRBA
+9.24%
10Y(CAGR)
CZFS
+9.81%
Winner
FRBA
+10.37%
Max(CAGR)
Winner
CZFS
+12.84%
FRBA
+3.85%

CZFS vs FRBA - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

YearCZFSFRBA
2026+50.67%+19.59%
2025-3.27%+22.14%
2024+3.35%-2.41%
2023-12.16%+10.52%
2022+31.15%-4.47%
2021+14.87%+54.31%
2020-4.54%-13.29%
2019+12.77%-6.91%
2018-7.82%-10.74%
2017+34.26%+19.12%
2016+13.55%+74.17%
2015-3.03%+10.17%
2014+8.49%+4.00%
2013+38.27%+16.26%
2012+29.99%+14.74%
2011-3.11%+58.86%
2010+47.79%-16.67%
2009+39.87%-34.00%
2008+3.26%+10.00%
2007-7.53%-50.00%
2006+13.12%N/A
2005-8.95%N/A
2004+4.26%N/A
2003+13.19%N/A
2002+64.92%N/A
2001+25.02%N/A

CZFS vs FRBA Drawdown Comparison

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

The maximum drawdown for FRBA was -79.09%, occurring on Jan 5, 2010. Recovery took 2414 trading sessions.

The current CZFS drawdown is -0.49%.

RankCZFSFRBA
#1-54.99%
Jun 12, 2023 - Aug 4, 2026
-79.09%
May 10, 2007 - Dec 8, 2016
#2-40.57%
Feb 14, 2020 - Jul 6, 2021
-58.58%
Jul 23, 2018 - Oct 5, 2021
#3-25.83%
Jul 31, 2008 - Jul 20, 2009
-47.94%
Aug 16, 2022 - Jul 1, 2025
#4-24.55%
Apr 29, 2003 - Apr 5, 2007
-21.95%
Feb 17, 2017 - Nov 30, 2017
#5-22.37%
Aug 29, 2022 - Feb 6, 2023
-18.84%
Dec 18, 2025 - Jul 1, 2026
#6-22.21%
Apr 19, 2007 - May 7, 2008
-11.90%
Mar 28, 2007 - May 10, 2007
#7-18.25%
Feb 10, 2023 - Apr 10, 2023
-11.83%
Dec 5, 2017 - Jul 12, 2018
#8-17.50%
Jul 29, 2011 - May 8, 2012
-11.82%
Nov 24, 2021 - Aug 10, 2022
#9-17.23%
Mar 19, 2014 - Oct 11, 2016
-11.48%
Sep 4, 2025 - Dec 11, 2025
#10-16.91%
Apr 20, 2023 - Jun 7, 2023
-10.46%
Jul 3, 2025 - Aug 22, 2025
#11-13.27%
Oct 2, 2018 - Mar 29, 2019
-6.51%
Dec 9, 2016 - Dec 23, 2016
#12-11.51%
Jan 11, 2011 - Jul 29, 2011
-5.83%
Oct 11, 2021 - Nov 10, 2021
#13-11.11%
Jul 31, 2009 - Oct 21, 2009
-4.61%
Jul 16, 2026 - Jul 27, 2026
#14-10.45%
Aug 17, 2010 - Nov 3, 2010
-4.34%
Jul 1, 2026 - Jul 16, 2026
#15-10.17%
Apr 30, 2010 - Jul 19, 2010
-4.17%
Dec 27, 2016 - Jan 9, 2017

Correlation

Correlation between CZFS and FRBA is 0.86 which considered as a strong positive correlation - the stocks tend to move together.

0.86
-101

Dividend Comparison (2001 - 2026)

CZFS vs FRBA dividend yield comparison.

YearCZFSFRBA
20261.22%1.42%
20253.49%1.46%
20243.09%1.71%
20233.75%1.63%
20222.48%1.74%
20213.08%1.03%
20203.44%1.28%
20192.90%1.09%
20182.35%0.99%
20172.68%0.58%
20163.14%0.00%
20153.53%0.00%
20144.04%0.00%
20132.27%0.00%
20122.96%0.00%
20113.35%0.00%
20102.97%0.00%
20093.98%0.00%
20085.05%0.00%
20074.50%0.00%
20063.80%0.00%
20053.92%0.00%
20043.26%0.00%
20033.09%0.00%
20023.08%0.00%
20014.54%0.00%

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