StockComparison Logo
vs

FRBA vs CZFS

Comparison between First Bank (NJ) (FRBA, Company) and Citizens Financial Services Inc (CZFS, Company).

Both FRBA and CZFS are from the Financial Services sector.

5-Year PerformanceCZFS has outperformed FRBA, delivering a return of +10.1% compared to +9.2%

FRBA vs CZFS - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
FRBA
$395M
CZFS
$394M
Max Drawdown
FRBA
79.09%
Winner
CZFS
56.28%
Sharpe Ratio
FRBA
0.73
Winner
CZFS
1.09
5Y Beta
Winner
FRBA
0.62
CZFS
0.80
Industry
FRBA
Banks - Regional
CZFS
Banks - Regional
P/E Ratio
Winner
FRBA
9.65
CZFS
10.10
Forward P/E
Winner
FRBA
8.34
CZFS
9.27
PEG Ratio
Winner
FRBA
0.00
CZFS
0.24
Dividend Yield
FRBA
1.58%
Winner
CZFS
2.46%
5Y Dividends CAGR
Winner
FRBA
26.58%
CZFS
6.89%
5Y EPS CAGR
FRBA
N/A
CZFS
10.04%
Debt to Equity
FRBA
N/A
CZFS
0.00%
Free Cash Flow Yield
FRBA
N/A
CZFS
9.53%
P/S Ratio
Winner
FRBA
2.92
CZFS
3.46
P/B Ratio
Winner
FRBA
0.94
CZFS
1.09

FRBA vs CZFS - Historical Returns

Returns include dividend reinvestment.

1M
FRBA
+10.60%
Winner
CZFS
+15.73%
3M
FRBA
+26.57%
Winner
CZFS
+32.88%
6M
FRBA
+11.13%
Winner
CZFS
+31.18%
1Y
FRBA
+21.25%
Winner
CZFS
+44.73%
5Y(CAGR)
FRBA
+9.24%
Winner
CZFS
+10.08%
10Y(CAGR)
Winner
FRBA
+10.37%
CZFS
+9.81%
Max(CAGR)
FRBA
+3.85%
Winner
CZFS
+12.84%

FRBA vs CZFS - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

YearFRBACZFS
2026+19.59%+50.67%
2025+22.14%-3.27%
2024-2.41%+3.35%
2023+10.52%-12.16%
2022-4.47%+31.15%
2021+54.31%+14.87%
2020-13.29%-4.54%
2019-6.91%+12.77%
2018-10.74%-7.82%
2017+19.12%+34.26%
2016+74.17%+13.55%
2015+10.17%-3.03%
2014+4.00%+8.49%
2013+16.26%+38.27%
2012+14.74%+29.99%
2011+58.86%-3.11%
2010-16.67%+47.79%
2009-34.00%+39.87%
2008+10.00%+3.26%
2007-50.00%-7.53%
2006N/A+13.12%
2005N/A-8.95%
2004N/A+4.26%
2003N/A+13.19%
2002N/A+64.92%
2001N/A+25.02%

FRBA vs CZFS Drawdown Comparison

The maximum drawdown for FRBA was -79.09%, occurring on Jan 5, 2010. Recovery took 2414 trading sessions.

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

The current CZFS drawdown is -0.49%.

RankFRBACZFS
#1-79.09%
May 10, 2007 - Dec 8, 2016
-54.99%
Jun 12, 2023 - Aug 4, 2026
#2-58.58%
Jul 23, 2018 - Oct 5, 2021
-40.57%
Feb 14, 2020 - Jul 6, 2021
#3-47.94%
Aug 16, 2022 - Jul 1, 2025
-25.83%
Jul 31, 2008 - Jul 20, 2009
#4-21.95%
Feb 17, 2017 - Nov 30, 2017
-24.55%
Apr 29, 2003 - Apr 5, 2007
#5-18.84%
Dec 18, 2025 - Jul 1, 2026
-22.37%
Aug 29, 2022 - Feb 6, 2023
#6-11.90%
Mar 28, 2007 - May 10, 2007
-22.21%
Apr 19, 2007 - May 7, 2008
#7-11.83%
Dec 5, 2017 - Jul 12, 2018
-18.25%
Feb 10, 2023 - Apr 10, 2023
#8-11.82%
Nov 24, 2021 - Aug 10, 2022
-17.50%
Jul 29, 2011 - May 8, 2012
#9-11.48%
Sep 4, 2025 - Dec 11, 2025
-17.23%
Mar 19, 2014 - Oct 11, 2016
#10-10.46%
Jul 3, 2025 - Aug 22, 2025
-16.91%
Apr 20, 2023 - Jun 7, 2023
#11-6.51%
Dec 9, 2016 - Dec 23, 2016
-13.27%
Oct 2, 2018 - Mar 29, 2019
#12-5.83%
Oct 11, 2021 - Nov 10, 2021
-11.51%
Jan 11, 2011 - Jul 29, 2011
#13-4.61%
Jul 16, 2026 - Jul 27, 2026
-11.11%
Jul 31, 2009 - Oct 21, 2009
#14-4.34%
Jul 1, 2026 - Jul 16, 2026
-10.45%
Aug 17, 2010 - Nov 3, 2010
#15-4.17%
Dec 27, 2016 - Jan 9, 2017
-10.17%
Apr 30, 2010 - Jul 19, 2010

Correlation

Correlation between FRBA and CZFS is 0.86 which considered as a strong positive correlation - the stocks tend to move together.

0.86
-101

Dividend Comparison (2001 - 2026)

FRBA vs CZFS dividend yield comparison.

YearFRBACZFS
20261.42%1.22%
20251.46%3.49%
20241.71%3.09%
20231.63%3.75%
20221.74%2.48%
20211.03%3.08%
20201.28%3.44%
20191.09%2.90%
20180.99%2.35%
20170.58%2.68%
20160.00%3.14%
20150.00%3.53%
20140.00%4.04%
20130.00%2.27%
20120.00%2.96%
20110.00%3.35%
20100.00%2.97%
20090.00%3.98%
20080.00%5.05%
20070.00%4.50%
20060.00%3.80%
20050.00%3.92%
20040.00%3.26%
20030.00%3.09%
20020.00%3.08%
20010.00%4.54%

Select Stocks to Compare