CZFS vs REAL

Comparison between Citizens Financial Services Inc (CZFS, Company) and Therealreal Inc (REAL, Company).

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

5-Year PerformanceCZFS has outperformed REAL, delivering a return of +7.6% compared to -8.2%

CZFS vs REAL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZFS(COMPANY)	REAL(COMPANY)
Market Cap	$352M	$351M
Max Drawdown	56.28%	96.44%
Sharpe Ratio	0.76	1.03
5Y Beta	0.91	2.04
Industry	Banks - Regional	Luxury Goods
P/E Ratio	9.66	-4.80
Forward P/E	9.27	175.44
PEG Ratio	0.29	0.00
Dividend Yield	2.78%	N/A
5Y Dividends CAGR	6.89%	N/A
5Y EPS CAGR	8.69%	-18.09%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	12.38%	-1.29%
P/S Ratio	3.08	2.14
P/B Ratio	1.04	5.30

Market Cap

Winner

CZFS

$352M

REAL

$351M

Max Drawdown

Winner

CZFS

56.28%

REAL

96.44%

Sharpe Ratio

CZFS

0.76

Winner

REAL

1.03

5Y Beta

Winner

CZFS

0.91

REAL

2.04

Industry

CZFS

Banks - Regional

REAL

Luxury Goods

P/E Ratio

CZFS

9.66

Winner

REAL

-4.80

Forward P/E

Winner

CZFS

9.27

REAL

175.44

PEG Ratio

CZFS

0.29

Winner

REAL

0.00

Dividend Yield

CZFS

2.78%

REAL

N/A

5Y Dividends CAGR

CZFS

6.89%

REAL

N/A

5Y EPS CAGR

Winner

CZFS

8.69%

REAL

-18.09%

Debt to Equity

CZFS

0.00%

REAL

0.00%

Free Cash Flow Yield

Winner

CZFS

12.38%

REAL

-1.29%

P/S Ratio

CZFS

3.08

Winner

REAL

2.14

P/B Ratio

Winner

CZFS

1.04

REAL

5.30

CZFS vs REAL - Historical Returns

Returns include dividend reinvestment.

Period	CZFS	REAL
1 month	+5.46%	-13.45%
3 months	+14.35%	-9.36%
6 months	+16.06%	-26.87%
1 year	+32.72%	+83.06%
5 years(CAGR)	+7.62%	-8.15%
10 years(CAGR)	+9.08%	N/A
Max(CAGR)	+12.44%	-12.62%

Winner

CZFS

+5.46%

REAL

-13.45%

Winner

CZFS

+14.35%

REAL

-9.36%

Winner

CZFS

+16.06%

REAL

-26.87%

CZFS

+32.72%

Winner

REAL

+83.06%

5Y(CAGR)

Winner

CZFS

+7.62%

REAL

-8.15%

10Y(CAGR)

CZFS

+9.08%

REAL

N/A

Max(CAGR)

Winner

CZFS

+12.44%

REAL

-12.62%

CZFS vs REAL - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	CZFS	REAL
2026	+36.69%	-29.56%
2025	-3.27%	+60.37%
2024	+3.35%	+454.82%
2023	-12.16%	+84.40%
2022	+31.15%	-89.55%
2021	+14.87%	-44.42%
2020	-4.54%	+9.35%
2019	+12.77%	-34.78%
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 REAL 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 REAL was -96.44%, occurring on May 2, 2023. This drawdown has not yet recovered.

The current CZFS drawdown is -8.14%. The current REAL drawdown is -61.49%.

Rank	CZFS	REAL
#1	-54.99% Jun 12, 2023 - Apr 26, 2024	-96.44% Jun 28, 2019 - May 2, 2023
#2	-40.57% Feb 14, 2020 - Jul 6, 2021	N/A
#3	-25.83% Jul 31, 2008 - Jul 20, 2009	N/A
#4	-24.55% Apr 29, 2003 - Apr 5, 2007	N/A
#5	-22.37% Aug 29, 2022 - Feb 6, 2023	N/A
#6	-22.21% Apr 19, 2007 - May 7, 2008	N/A
#7	-18.25% Feb 10, 2023 - Apr 10, 2023	N/A
#8	-17.50% Jul 29, 2011 - May 8, 2012	N/A
#9	-17.23% Mar 19, 2014 - Oct 11, 2016	N/A
#10	-16.91% Apr 20, 2023 - Jun 7, 2023	N/A
#11	-13.27% Oct 2, 2018 - Mar 29, 2019	N/A
#12	-11.51% Jan 11, 2011 - Jul 29, 2011	N/A
#13	-11.11% Jul 31, 2009 - Oct 21, 2009	N/A
#14	-10.45% Aug 17, 2010 - Nov 3, 2010	N/A
#15	-10.17% Apr 30, 2010 - Jul 19, 2010	N/A

Correlation

Correlation between CZFS and REAL is -0.41 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.41

-101