CZFS vs GECCO

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

5-Year PerformanceCZFS has outperformed GECCO, delivering a return of +7.6% compared to +5.8%

CZFS vs GECCO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZFS(COMPANY)	GECCO(COMPANY)
Market Cap	$352M	$351M
Max Drawdown	56.28%	10.19%
Sharpe Ratio	0.76	0.27
5Y Beta	0.91	0.01
Industry	Banks - Regional	N/A
P/E Ratio	9.66	-12.00
Forward P/E	9.27	N/A
PEG Ratio	0.29	N/A
Dividend Yield	2.78%	5.87%
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

Winner

CZFS

$352M

GECCO

$351M

Max Drawdown

CZFS

56.28%

Winner

GECCO

10.19%

Sharpe Ratio

Winner

CZFS

0.76

GECCO

0.27

5Y Beta

CZFS

0.91

Winner

GECCO

0.01

Industry

CZFS

Banks - Regional

GECCO

N/A

P/E Ratio

CZFS

9.66

Winner

GECCO

-12.00

Forward P/E

CZFS

9.27

GECCO

N/A

PEG Ratio

CZFS

0.29

GECCO

N/A

Dividend Yield

CZFS

2.78%

Winner

GECCO

5.87%

5Y Dividends CAGR

CZFS

6.89%

GECCO

N/A

5Y EPS CAGR

CZFS

8.69%

GECCO

N/A

Debt to Equity

CZFS

0.00%

GECCO

0.00%

Free Cash Flow Yield

Winner

CZFS

12.38%

GECCO

-0.80%

P/S Ratio

CZFS

3.08

GECCO

N/A

P/B Ratio

CZFS

1.04

GECCO

N/A

CZFS vs GECCO - Historical Returns

Returns include dividend reinvestment.

Period	CZFS	GECCO
1 month	+5.46%	+0.00%
3 months	+14.35%	-0.15%
6 months	+16.06%	+1.57%
1 year	+32.72%	+4.68%
5 years(CAGR)	+7.62%	+5.83%
10 years(CAGR)	+9.08%	N/A
Max(CAGR)	+12.44%	+6.08%

Winner

CZFS

+5.46%

GECCO

+0.00%

Winner

CZFS

+14.35%

GECCO

-0.15%

Winner

CZFS

+16.06%

GECCO

+1.57%

Winner

CZFS

+32.72%

GECCO

+4.68%

5Y(CAGR)

Winner

CZFS

+7.62%

GECCO

+5.83%

10Y(CAGR)

CZFS

+9.08%

GECCO

N/A

Max(CAGR)

Winner

CZFS

+12.44%

GECCO

+6.08%

CZFS vs GECCO - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	CZFS	GECCO
2026	+36.69%	+2.49%
2025	-3.27%	+6.85%
2024	+3.35%	+7.59%
2023	-12.16%	+7.73%
2022	+31.15%	-1.34%
2021	+14.87%	+6.14%
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 GECCO 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 GECCO was -6.96%, occurring on Jul 16, 2025. This drawdown has not yet recovered.

The current CZFS drawdown is -8.14%. The current GECCO drawdown is -1.63%.

Rank	CZFS	GECCO
#1	-54.99% Jun 12, 2023 - Apr 26, 2024	-6.96% Jun 10, 2025 - Jul 16, 2025
#2	-40.57% Feb 14, 2020 - Jul 6, 2021	-5.28% Sep 16, 2022 - Jun 28, 2023
#3	-25.83% Jul 31, 2008 - Jul 20, 2009	-4.39% Mar 28, 2025 - Jun 10, 2025
#4	-24.55% Apr 29, 2003 - Apr 5, 2007	-4.24% Jul 17, 2023 - Sep 8, 2023
#5	-22.37% Aug 29, 2022 - Feb 6, 2023	-3.74% Jan 31, 2022 - Aug 18, 2022
#6	-22.21% Apr 19, 2007 - May 7, 2008	-3.04% Sep 18, 2023 - Nov 17, 2023
#7	-18.25% Feb 10, 2023 - Apr 10, 2023	-2.56% Nov 17, 2023 - Dec 18, 2023
#8	-17.50% Jul 29, 2011 - May 8, 2012	-2.41% Jan 19, 2024 - Mar 14, 2024
#9	-17.23% Mar 19, 2014 - Oct 11, 2016	-2.31% Dec 29, 2023 - Jan 19, 2024
#10	-16.91% Apr 20, 2023 - Jun 7, 2023	-2.27% Sep 27, 2021 - Dec 15, 2021
#11	-13.27% Oct 2, 2018 - Mar 29, 2019	-2.25% Apr 9, 2024 - Jun 10, 2024
#12	-11.51% Jan 11, 2011 - Jul 29, 2011	-2.04% Jun 28, 2023 - Jul 17, 2023
#13	-11.11% Jul 31, 2009 - Oct 21, 2009	-1.94% Jan 28, 2025 - Mar 4, 2025
#14	-10.45% Aug 17, 2010 - Nov 3, 2010	-1.80% Aug 16, 2024 - Sep 20, 2024
#15	-10.17% Apr 30, 2010 - Jul 19, 2010	-1.74% Sep 8, 2023 - Sep 18, 2023

Correlation

Correlation between CZFS and GECCO is 0.10 which considered as a very weak or no correlation - the stocks move independently of each other.

0.10

-101

Dividend Comparison (2001 - 2026)

CZFS vs GECCO dividend yield comparison.

Year	CZFS	GECCO
2026	1.35%	1.45%
2025	3.49%	5.88%
2024	3.09%	5.92%
2023	3.75%	5.95%
2022	2.48%	6.20%
2021	3.08%	3.02%
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%