GECCO vs CZFS

Comparison between Great Elm Capital Corp (GECCO, Company) and Citizens Financial Services Inc (CZFS, Company).

5-Year PerformanceCZFS has outperformed GECCO, delivering a return of +7.6% compared to +5.8%

GECCO vs CZFS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	GECCO(COMPANY)	CZFS(COMPANY)
Market Cap	$351M	$352M
Max Drawdown	10.19%	56.28%
Sharpe Ratio	0.27	0.76
5Y Beta	0.01	0.91
Industry	N/A	Banks - Regional
P/E Ratio	-12.00	9.66
Forward P/E	N/A	9.27
PEG Ratio	N/A	0.29
Dividend Yield	5.87%	2.78%
5Y Dividends CAGR	N/A	6.89%
5Y EPS CAGR	N/A	8.69%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	-0.80%	12.38%
P/S Ratio	N/A	3.08
P/B Ratio	N/A	1.04

Market Cap

GECCO

$351M

Winner

CZFS

$352M

Max Drawdown

Winner

GECCO

10.19%

CZFS

56.28%

Sharpe Ratio

GECCO

0.27

Winner

CZFS

0.76

5Y Beta

Winner

GECCO

0.01

CZFS

0.91

Industry

GECCO

N/A

CZFS

Banks - Regional

P/E Ratio

Winner

GECCO

-12.00

CZFS

9.66

Forward P/E

GECCO

N/A

CZFS

9.27

PEG Ratio

GECCO

N/A

CZFS

0.29

Dividend Yield

Winner

GECCO

5.87%

CZFS

2.78%

5Y Dividends CAGR

GECCO

N/A

CZFS

6.89%

5Y EPS CAGR

GECCO

N/A

CZFS

8.69%

Debt to Equity

GECCO

0.00%

CZFS

0.00%

Free Cash Flow Yield

GECCO

-0.80%

Winner

CZFS

12.38%

P/S Ratio

GECCO

N/A

CZFS

3.08

P/B Ratio

GECCO

N/A

CZFS

1.04

GECCO vs CZFS - Historical Returns

Returns include dividend reinvestment.

Period	GECCO	CZFS
1 month	+0.00%	+5.46%
3 months	-0.15%	+14.35%
6 months	+1.57%	+16.06%
1 year	+4.68%	+32.72%
5 years(CAGR)	+5.83%	+7.62%
10 years(CAGR)	N/A	+9.08%
Max(CAGR)	+6.08%	+12.44%

GECCO

+0.00%

Winner

CZFS

+5.46%

GECCO

-0.15%

Winner

CZFS

+14.35%

GECCO

+1.57%

Winner

CZFS

+16.06%

GECCO

+4.68%

Winner

CZFS

+32.72%

5Y(CAGR)

GECCO

+5.83%

Winner

CZFS

+7.62%

10Y(CAGR)

GECCO

N/A

CZFS

+9.08%

Max(CAGR)

GECCO

+6.08%

Winner

CZFS

+12.44%

GECCO vs CZFS - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	GECCO	CZFS
2026	+2.49%	+36.69%
2025	+6.85%	-3.27%
2024	+7.59%	+3.35%
2023	+7.73%	-12.16%
2022	-1.34%	+31.15%
2021	+6.14%	+14.87%
2020	N/A	-4.54%
2019	N/A	+12.77%
2018	N/A	-7.82%
2017	N/A	+34.26%
2016	N/A	+13.55%
2015	N/A	-3.03%
2014	N/A	+8.49%
2013	N/A	+38.27%
2012	N/A	+29.99%
2011	N/A	-3.11%
2010	N/A	+47.79%
2009	N/A	+39.87%
2008	N/A	+3.26%
2007	N/A	-7.53%
2006	N/A	+13.12%
2005	N/A	-8.95%
2004	N/A	+4.26%
2003	N/A	+13.19%
2002	N/A	+64.92%
2001	N/A	+25.02%

GECCO vs CZFS Drawdown Comparison

The maximum drawdown for GECCO was -6.96%, occurring on Jul 16, 2025. This drawdown has not yet recovered.

The maximum drawdown for CZFS was -54.99%, occurring on Apr 26, 2024. This drawdown has not yet recovered.

The current GECCO drawdown is -1.63%. The current CZFS drawdown is -8.14%.

Rank	GECCO	CZFS
#1	-6.96% Jun 10, 2025 - Jul 16, 2025	-54.99% Jun 12, 2023 - Apr 26, 2024
#2	-5.28% Sep 16, 2022 - Jun 28, 2023	-40.57% Feb 14, 2020 - Jul 6, 2021
#3	-4.39% Mar 28, 2025 - Jun 10, 2025	-25.83% Jul 31, 2008 - Jul 20, 2009
#4	-4.24% Jul 17, 2023 - Sep 8, 2023	-24.55% Apr 29, 2003 - Apr 5, 2007
#5	-3.74% Jan 31, 2022 - Aug 18, 2022	-22.37% Aug 29, 2022 - Feb 6, 2023
#6	-3.04% Sep 18, 2023 - Nov 17, 2023	-22.21% Apr 19, 2007 - May 7, 2008
#7	-2.56% Nov 17, 2023 - Dec 18, 2023	-18.25% Feb 10, 2023 - Apr 10, 2023
#8	-2.41% Jan 19, 2024 - Mar 14, 2024	-17.50% Jul 29, 2011 - May 8, 2012
#9	-2.31% Dec 29, 2023 - Jan 19, 2024	-17.23% Mar 19, 2014 - Oct 11, 2016
#10	-2.27% Sep 27, 2021 - Dec 15, 2021	-16.91% Apr 20, 2023 - Jun 7, 2023
#11	-2.25% Apr 9, 2024 - Jun 10, 2024	-13.27% Oct 2, 2018 - Mar 29, 2019
#12	-2.04% Jun 28, 2023 - Jul 17, 2023	-11.51% Jan 11, 2011 - Jul 29, 2011
#13	-1.94% Jan 28, 2025 - Mar 4, 2025	-11.11% Jul 31, 2009 - Oct 21, 2009
#14	-1.80% Aug 16, 2024 - Sep 20, 2024	-10.45% Aug 17, 2010 - Nov 3, 2010
#15	-1.74% Sep 8, 2023 - Sep 18, 2023	-10.17% Apr 30, 2010 - Jul 19, 2010

Correlation

Correlation between GECCO and CZFS is 0.10 which considered as a very weak or no correlation - the stocks move independently of each other.

0.10

-101

Dividend Comparison (2001 - 2026)

GECCO vs CZFS dividend yield comparison.

Year	GECCO	CZFS
2026	1.45%	1.35%
2025	5.88%	3.49%
2024	5.92%	3.09%
2023	5.95%	3.75%
2022	6.20%	2.48%
2021	3.02%	3.08%
2020	0.00%	3.44%
2019	0.00%	2.90%
2018	0.00%	2.35%
2017	0.00%	2.68%
2016	0.00%	3.14%
2015	0.00%	3.53%
2014	0.00%	4.04%
2013	0.00%	2.27%
2012	0.00%	2.96%
2011	0.00%	3.35%
2010	0.00%	2.97%
2009	0.00%	3.98%
2008	0.00%	5.05%
2007	0.00%	4.50%
2006	0.00%	3.80%
2005	0.00%	3.92%
2004	0.00%	3.26%
2003	0.00%	3.09%
2002	0.00%	3.08%
2001	0.00%	4.54%