CZFS vs GECCI

Comparison between Citizens Financial Services Inc (CZFS, Company) and Great Elm Capital Corp (GECCI, Company).

CZFS vs GECCI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZFS(COMPANY)	GECCI(COMPANY)
Market Cap	$352M	$353M
Max Drawdown	56.28%	3.35%
Sharpe Ratio	0.76	0.77
5Y Beta	0.91	0.02
Industry	Banks - Regional	N/A
P/E Ratio	9.66	-12.08
Forward P/E	9.27	N/A
PEG Ratio	0.29	N/A
Dividend Yield	2.78%	8.30%
5Y Dividends CAGR	6.89%	N/A
5Y EPS CAGR	8.69%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	12.38%	-0.80%
P/S Ratio	3.08	N/A
P/B Ratio	1.04	N/A

Market Cap

CZFS

$352M

Winner

GECCI

$353M

Max Drawdown

CZFS

56.28%

Winner

GECCI

3.35%

Sharpe Ratio

CZFS

0.76

Winner

GECCI

0.77

5Y Beta

CZFS

0.91

Winner

GECCI

0.02

Industry

CZFS

Banks - Regional

GECCI

N/A

P/E Ratio

CZFS

9.66

Winner

GECCI

-12.08

Forward P/E

CZFS

9.27

GECCI

N/A

PEG Ratio

CZFS

0.29

GECCI

N/A

Dividend Yield

CZFS

2.78%

Winner

GECCI

8.30%

5Y Dividends CAGR

CZFS

6.89%

GECCI

N/A

5Y EPS CAGR

CZFS

8.69%

GECCI

N/A

Debt to Equity

CZFS

0.00%

GECCI

0.00%

Free Cash Flow Yield

Winner

CZFS

12.38%

GECCI

-0.80%

P/S Ratio

CZFS

3.08

GECCI

N/A

P/B Ratio

CZFS

1.04

GECCI

N/A

CZFS vs GECCI - Historical Returns

Returns include dividend reinvestment.

Period	CZFS	GECCI
1 month	+5.46%	+1.13%
3 months	+14.35%	+1.81%
6 months	+16.06%	+5.01%
1 year	+32.72%	+8.46%
5 years(CAGR)	+7.62%	N/A
10 years(CAGR)	+9.08%	N/A
Max(CAGR)	+12.44%	+9.78%

Winner

CZFS

+5.46%

GECCI

+1.13%

Winner

CZFS

+14.35%

GECCI

+1.81%

Winner

CZFS

+16.06%

GECCI

+5.01%

Winner

CZFS

+32.72%

GECCI

+8.46%

5Y(CAGR)

CZFS

+7.62%

GECCI

N/A

10Y(CAGR)

CZFS

+9.08%

GECCI

N/A

Max(CAGR)

Winner

CZFS

+12.44%

GECCI

+9.78%

CZFS vs GECCI - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	CZFS	GECCI
2026	+36.69%	+5.23%
2025	-3.27%	+8.81%
2024	+3.35%	+8.27%
2023	-12.16%	N/A
2022	+31.15%	N/A
2021	+14.87%	N/A
2020	-4.54%	N/A
2019	+12.77%	N/A
2018	-7.82%	N/A
2017	+34.26%	N/A
2016	+13.55%	N/A
2015	-3.03%	N/A
2014	+8.49%	N/A
2013	+38.27%	N/A
2012	+29.99%	N/A
2011	-3.11%	N/A
2010	+47.79%	N/A
2009	+39.87%	N/A
2008	+3.26%	N/A
2007	-7.53%	N/A
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 GECCI Drawdown Comparison

The maximum drawdown for CZFS was -54.99%, occurring on Apr 26, 2024. This drawdown has not yet recovered.

The maximum drawdown for GECCI was -2.38%, occurring on Jun 25, 2026. This drawdown has not yet recovered.

The current CZFS drawdown is -8.14%. The current GECCI drawdown is -0.74%.

Rank	CZFS	GECCI
#1	-54.99% Jun 12, 2023 - Apr 26, 2024	-2.38% Jun 15, 2026 - Jun 25, 2026
#2	-40.57% Feb 14, 2020 - Jul 6, 2021	-2.33% Sep 13, 2024 - Dec 30, 2024
#3	-25.83% Jul 31, 2008 - Jul 20, 2009	-1.68% Apr 2, 2025 - May 21, 2025
#4	-24.55% Apr 29, 2003 - Apr 5, 2007	-1.49% Apr 2, 2026 - Apr 22, 2026
#5	-22.37% Aug 29, 2022 - Feb 6, 2023	-1.33% Sep 19, 2025 - Dec 2, 2025
#6	-22.21% Apr 19, 2007 - May 7, 2008	-1.11% Mar 19, 2026 - Apr 2, 2026
#7	-18.25% Feb 10, 2023 - Apr 10, 2023	-1.03% Jul 2, 2024 - Aug 15, 2024
#8	-17.50% Jul 29, 2011 - May 8, 2012	-0.98% Apr 22, 2026 - Jun 12, 2026
#9	-17.23% Mar 19, 2014 - Oct 11, 2016	-0.82% Feb 25, 2025 - Mar 4, 2025
#10	-16.91% Apr 20, 2023 - Jun 7, 2023	-0.79% May 21, 2025 - Jun 9, 2025
#11	-13.27% Oct 2, 2018 - Mar 29, 2019	-0.78% Mar 9, 2026 - Mar 16, 2026
#12	-11.51% Jan 11, 2011 - Jul 29, 2011	-0.66% Dec 31, 2024 - Jan 30, 2025
#13	-11.11% Jul 31, 2009 - Oct 21, 2009	-0.63% Jul 22, 2025 - Aug 12, 2025
#14	-10.45% Aug 17, 2010 - Nov 3, 2010	-0.59% Dec 19, 2025 - Jan 12, 2026
#15	-10.17% Apr 30, 2010 - Jul 19, 2010	-0.55% Mar 4, 2025 - Mar 14, 2025

Correlation

Correlation between CZFS and GECCI is 0.74 which considered as a strong positive correlation - the stocks tend to move together.

0.74

-101

Dividend Comparison (2001 - 2026)

CZFS vs GECCI dividend yield comparison.

Year	CZFS	GECCI
2026	1.35%	4.16%
2025	3.49%	8.46%
2024	3.09%	5.95%
2023	3.75%	0.00%
2022	2.48%	0.00%
2021	3.08%	0.00%
2020	3.44%	0.00%
2019	2.90%	0.00%
2018	2.35%	0.00%
2017	2.68%	0.00%
2016	3.14%	0.00%
2015	3.53%	0.00%
2014	4.04%	0.00%
2013	2.27%	0.00%
2012	2.96%	0.00%
2011	3.35%	0.00%
2010	2.97%	0.00%
2009	3.98%	0.00%
2008	5.05%	0.00%
2007	4.50%	0.00%
2006	3.80%	0.00%
2005	3.92%	0.00%
2004	3.26%	0.00%
2003	3.09%	0.00%
2002	3.08%	0.00%
2001	4.54%	0.00%