CZFS vs RFMZ

Comparison between Citizens Financial Services Inc (CZFS, Company) and RiverNorth Flexible Municipal Income Fund II Inc (RFMZ, Company).

Both CZFS and RFMZ are from the Financial Services sector.

5-Year PerformanceCZFS has outperformed RFMZ, delivering a return of +4.5% compared to -1.4%

CZFS vs RFMZ - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZFS(COMPANY)	RFMZ(COMPANY)
Market Cap	$313M	$312M
Max Drawdown	56.28%	48.24%
Sharpe Ratio	0.28	0.94
5Y Beta	0.96	N/A
Industry	Banks - Regional	Asset Management
P/E Ratio	8.57	N/A
Forward P/E	9.27	N/A
PEG Ratio	0.26	N/A
Dividend Yield	3.06%	N/A
5Y Dividends CAGR	6.87%	40.33%
5Y EPS CAGR	9.12%	N/A
Debt to Equity	0.00%	N/A
Free Cash Flow Yield	13.95%	N/A
P/S Ratio	2.79	13.27
P/B Ratio	0.92	0.92

Market Cap

Winner

CZFS

$313M

RFMZ

$312M

Max Drawdown

CZFS

56.28%

Winner

RFMZ

48.24%

Sharpe Ratio

CZFS

0.28

Winner

RFMZ

0.94

5Y Beta

CZFS

0.96

RFMZ

N/A

Industry

CZFS

Banks - Regional

RFMZ

Asset Management

P/E Ratio

CZFS

8.57

RFMZ

N/A

Forward P/E

CZFS

9.27

RFMZ

N/A

PEG Ratio

CZFS

0.26

RFMZ

N/A

Dividend Yield

CZFS

3.06%

RFMZ

N/A

5Y Dividends CAGR

CZFS

6.87%

Winner

RFMZ

40.33%

5Y EPS CAGR

CZFS

9.12%

RFMZ

N/A

Debt to Equity

CZFS

0.00%

RFMZ

N/A

Free Cash Flow Yield

CZFS

13.95%

RFMZ

N/A

P/S Ratio

Winner

CZFS

2.79

RFMZ

13.27

P/B Ratio

CZFS

0.92

Winner

RFMZ

0.92

CZFS vs RFMZ - Historical Returns

Returns include dividend reinvestment.

Period	CZFS	RFMZ
1 month	+3.64%	+2.24%
3 months	+3.07%	+2.81%
6 months	+13.02%	+6.48%
1 year	+7.19%	+11.91%
5 years(CAGR)	+4.53%	-1.41%
10 years(CAGR)	+7.30%	N/A
Max(CAGR)	+11.70%	-0.76%

Winner

CZFS

+3.64%

RFMZ

+2.24%

Winner

CZFS

+3.07%

RFMZ

+2.81%

Winner

CZFS

+13.02%

RFMZ

+6.48%

CZFS

+7.19%

Winner

RFMZ

+11.91%

5Y(CAGR)

Winner

CZFS

+4.53%

RFMZ

-1.41%

10Y(CAGR)

CZFS

+7.30%

RFMZ

N/A

Max(CAGR)

Winner

CZFS

+11.70%

RFMZ

-0.76%

CZFS vs RFMZ - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	CZFS	RFMZ
2026	+13.53%	+6.45%
2025	-3.27%	+1.07%
2024	+3.35%	+9.35%
2023	-12.16%	+3.37%
2022	+31.15%	-26.28%
2021	+14.87%	+3.62%
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 RFMZ 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 RFMZ was -39.26%, occurring on Oct 27, 2023. This drawdown has not yet recovered.

The current CZFS drawdown is -23.70%. The current RFMZ drawdown is -14.08%.

Rank	CZFS	RFMZ
#1	-54.99% Jun 12, 2023 - Apr 26, 2024	-39.26% Sep 1, 2021 - Oct 27, 2023
#2	-40.57% Feb 14, 2020 - Jul 6, 2021	-2.73% Jul 22, 2021 - Aug 11, 2021
#3	-25.83% Jul 31, 2008 - Jul 20, 2009	-2.02% Jun 14, 2021 - Jul 7, 2021
#4	-24.55% Apr 29, 2003 - Apr 5, 2007	-1.72% Mar 1, 2021 - May 7, 2021
#5	-22.37% Aug 29, 2022 - Feb 6, 2023	-1.57% May 10, 2021 - May 19, 2021
#6	-22.21% Apr 19, 2007 - May 7, 2008	-1.55% Jul 14, 2021 - Jul 22, 2021
#7	-18.25% Feb 10, 2023 - Apr 10, 2023	-1.16% Aug 24, 2021 - Sep 1, 2021
#8	-17.50% Jul 29, 2011 - May 8, 2012	-1.12% Aug 16, 2021 - Aug 24, 2021
#9	-17.23% Mar 19, 2014 - Oct 11, 2016	-0.89% May 19, 2021 - May 26, 2021
#10	-16.91% Apr 20, 2023 - Jun 7, 2023	-0.49% May 26, 2021 - May 28, 2021
#11	-13.27% Oct 2, 2018 - Mar 29, 2019	-0.34% Jun 9, 2021 - Jun 14, 2021
#12	-11.51% Jan 11, 2011 - Jul 29, 2011	-0.24% Jun 1, 2021 - Jun 7, 2021
#13	-11.11% Jul 31, 2009 - Oct 21, 2009	-0.14% Jul 12, 2021 - Jul 14, 2021
#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 RFMZ is -0.29 which considered as a very weak or no correlation - the stocks move independently of each other.

-0.29

-101

Dividend Comparison (2001 - 2026)

CZFS vs RFMZ dividend yield comparison.

Year	CZFS	RFMZ
2026	0.80%	3.06%
2025	3.49%	8.13%
2024	3.09%	7.76%
2023	3.75%	7.92%
2022	2.48%	8.53%
2021	3.08%	4.53%
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%