CZFS vs VSTA

Comparison between Citizens Financial Services Inc (CZFS, Company) and Vasta Platform Ltd Class A (VSTA, Company).

CZFS is from the Financial Services sector, while VSTA is from the Consumer Defensive sector.

5-Year PerformanceCZFS has outperformed VSTA, delivering a return of +10.1% compared to -4.7%

CZFS vs VSTA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZFS(COMPANY)	VSTA(COMPANY)
Market Cap	$394M	$394M
Max Drawdown	56.28%	90.17%
Sharpe Ratio	1.09	0.72
5Y Beta	0.80	-0.03
Industry	Banks - Regional	Education & Training Services
P/E Ratio	10.10	4.32
Forward P/E	9.27	13.74
PEG Ratio	0.24	N/A
Dividend Yield	2.46%	N/A
5Y Dividends CAGR	6.89%	N/A
5Y EPS CAGR	10.04%	N/A
Debt to Equity	0.00%	24.57%
Free Cash Flow Yield	9.53%	9.21%
P/S Ratio	3.46	0.23
P/B Ratio	1.09	0.42

Market Cap

Winner

CZFS

$394M

VSTA

$394M

Max Drawdown

Winner

CZFS

56.28%

VSTA

90.17%

Sharpe Ratio

Winner

CZFS

1.09

VSTA

0.72

5Y Beta

CZFS

0.80

Winner

VSTA

-0.03

Industry

CZFS

Banks - Regional

VSTA

Education & Training Services

P/E Ratio

CZFS

10.10

Winner

VSTA

4.32

Forward P/E

Winner

CZFS

9.27

VSTA

13.74

PEG Ratio

CZFS

0.24

VSTA

N/A

Dividend Yield

CZFS

2.46%

VSTA

N/A

5Y Dividends CAGR

CZFS

6.89%

VSTA

N/A

5Y EPS CAGR

CZFS

10.04%

VSTA

N/A

Debt to Equity

Winner

CZFS

0.00%

VSTA

24.57%

Free Cash Flow Yield

Winner

CZFS

9.53%

VSTA

9.21%

P/S Ratio

CZFS

3.46

Winner

VSTA

0.23

P/B Ratio

CZFS

1.09

Winner

VSTA

0.42

CZFS vs VSTA - Historical Returns

Returns include dividend reinvestment.

Period	CZFS	VSTA
1 month	+15.73%	+0.00%
3 months	+32.88%	+0.00%
6 months	+31.18%	+0.00%
1 year	+44.73%	+15.84%
5 years(CAGR)	+10.08%	-4.75%
10 years(CAGR)	+9.81%	N/A
Max(CAGR)	+12.84%	-20.00%

Winner

CZFS

+15.73%

VSTA

+0.00%

Winner

CZFS

+32.88%

VSTA

+0.00%

Winner

CZFS

+31.18%

VSTA

+0.00%

Winner

CZFS

+44.73%

VSTA

+15.84%

5Y(CAGR)

Winner

CZFS

+10.08%

VSTA

-4.75%

10Y(CAGR)

CZFS

+9.81%

VSTA

N/A

Max(CAGR)

Winner

CZFS

+12.84%

VSTA

-20.00%

CZFS vs VSTA - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	CZFS	VSTA
2026	+50.67%	-0.51%
2025	-3.27%	+120.00%
2024	+3.35%	-55.56%
2023	-12.16%	+14.23%
2022	+31.15%	-4.08%
2021	+14.87%	-69.70%
2020	-4.54%	-23.08%
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 VSTA Drawdown Comparison

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

The maximum drawdown for VSTA was -90.17%, occurring on Dec 17, 2024. This drawdown has not yet recovered.

The current CZFS drawdown is -0.49%. The current VSTA drawdown is -74.24%.

Rank	CZFS	VSTA
#1	-54.99% Jun 12, 2023 - Aug 4, 2026	-90.17% Aug 14, 2020 - Dec 17, 2024
#2	-40.57% Feb 14, 2020 - Jul 6, 2021	-7.89% Aug 3, 2020 - Aug 14, 2020
#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 VSTA is -0.50 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.50

-101