CZFS vs XRPN

Comparison between Citizens Financial Services Inc (CZFS, Company) and Armada Acquisition Corp II - Class A (XRPN, Company).

Both CZFS and XRPN are from the Financial Services sector.

CZFS vs XRPN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CZFS(COMPANY)	XRPN(COMPANY)
Market Cap	$329M	$329M
Max Drawdown	56.28%	3.33%
Sharpe Ratio	0.44	0.03
5Y Beta	0.92	-0.01
Industry	Banks - Regional	Shell Companies
P/E Ratio	9.02	185.41
Forward P/E	9.27	N/A
PEG Ratio	0.27	N/A
Dividend Yield	2.95%	N/A
5Y Dividends CAGR	6.87%	N/A
5Y EPS CAGR	8.69%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	13.25%	-0.11%
P/S Ratio	2.92	N/A
P/B Ratio	0.94	1.46

Market Cap

Winner

CZFS

$329M

XRPN

$329M

Max Drawdown

CZFS

56.28%

Winner

XRPN

3.33%

Sharpe Ratio

Winner

CZFS

0.44

XRPN

0.03

5Y Beta

CZFS

0.92

Winner

XRPN

-0.01

Industry

CZFS

Banks - Regional

XRPN

Shell Companies

P/E Ratio

Winner

CZFS

9.02

XRPN

185.41

Forward P/E

CZFS

9.27

XRPN

N/A

PEG Ratio

CZFS

0.27

XRPN

N/A

Dividend Yield

CZFS

2.95%

XRPN

N/A

5Y Dividends CAGR

CZFS

6.87%

XRPN

N/A

5Y EPS CAGR

CZFS

8.69%

XRPN

N/A

Debt to Equity

CZFS

0.00%

XRPN

0.00%

Free Cash Flow Yield

Winner

CZFS

13.25%

XRPN

-0.11%

P/S Ratio

CZFS

2.92

XRPN

N/A

P/B Ratio

Winner

CZFS

0.94

XRPN

1.46

CZFS vs XRPN - Historical Returns

Returns include dividend reinvestment.

Period	CZFS	XRPN
1 month	+10.33%	-0.29%
3 months	+17.54%	+0.97%
6 months	+14.77%	+2.06%
1 year	+19.72%	+3.59%
5 years(CAGR)	+6.43%	N/A
10 years(CAGR)	+8.25%	N/A
Max(CAGR)	+12.15%	+3.71%

Winner

CZFS

+10.33%

XRPN

-0.29%

Winner

CZFS

+17.54%

XRPN

+0.97%

Winner

CZFS

+14.77%

XRPN

+2.06%

Winner

CZFS

+19.72%

XRPN

+3.59%

5Y(CAGR)

CZFS

+6.43%

XRPN

N/A

10Y(CAGR)

CZFS

+8.25%

XRPN

N/A

Max(CAGR)

Winner

CZFS

+12.15%

XRPN

+3.71%

CZFS vs XRPN - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	CZFS	XRPN
2026	+26.22%	+1.76%
2025	-3.27%	+1.99%
2024	+3.35%	N/A
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 XRPN 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 XRPN was -3.33%, occurring on Nov 26, 2025. This drawdown has not yet recovered.

The current CZFS drawdown is -15.18%. The current XRPN drawdown is -0.95%.

Rank	CZFS	XRPN
#1	-54.99% Jun 12, 2023 - Apr 26, 2024	-3.33% Oct 14, 2025 - Nov 26, 2025
#2	-40.57% Feb 14, 2020 - Jul 6, 2021	-0.87% Aug 14, 2025 - Sep 19, 2025
#3	-25.83% Jul 31, 2008 - Jul 20, 2009	-0.76% Oct 2, 2025 - Oct 14, 2025
#4	-24.55% Apr 29, 2003 - Apr 5, 2007	-0.67% Sep 23, 2025 - Sep 29, 2025
#5	-22.37% Aug 29, 2022 - Feb 6, 2023	-0.59% Jul 21, 2025 - Aug 13, 2025
#6	-22.21% Apr 19, 2007 - May 7, 2008	-0.34% Sep 29, 2025 - Oct 2, 2025
#7	-18.25% Feb 10, 2023 - Apr 10, 2023	-0.20% Jun 30, 2025 - Jul 16, 2025
#8	-17.50% Jul 29, 2011 - May 8, 2012	-0.10% Jun 24, 2025 - Jun 30, 2025
#9	-17.23% Mar 19, 2014 - Oct 11, 2016	-0.10% Jul 16, 2025 - Jul 21, 2025
#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