CZFS vs RBB: stock comparison and AI forecast
Citizens Financial Services Inc (CZFS) and Rbb Bancorp (RBB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CZFS Citizens Financial Services Inc
- Market Cap
- $414M
- P/E Ratio
- 9.6x
- Size
- small-cap
- AI Forecast
RBB Rbb Bancorp
- Market Cap
- $435M
- P/E Ratio
- 13.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CZFS and RBB have similar market capitalizations ($414M and $435M).
- CZFS trades at 9.6 times trailing earnings, RBB at 13.5 times.
- CZFS carries 9.99 times debt per unit of equity, against 6.99 times for RBB.
- RBB yields 2.55% in dividends and CZFS 2.35%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CZFS | RBB |
|---|---|---|
| Market Cap | $414M | $435M |
| P/E Ratio | 9.63x | 13.52x |
| P/B Ratio | 1.57x | 0.81x |
| Dividend Yield | 2.35% | 2.55% |
| EPS | $8.93 | $1.90 |
| Book Value/Share | $54.73 | $31.63 |
| Revenue/Share | $24.78 | $9.07 |
| FCF/Share | $8.37 | – |
Profitability & Margins
| Metric | CZFS | RBB |
|---|---|---|
| ROE | – | 8.2% |
| ROA | – | 1.0% |
| Net Margin | – | 28.7% |
| EBT Margin | 85.8% | 36.4% |
| Tax Rate | 18.4% | 25.1% |
Financial Health
| Metric | CZFS | RBB |
|---|---|---|
| D/E Ratio | 9.99x | 6.99x |
| Financial Leverage | – | 7.99x |
Cash Flow
| Metric | CZFS | RBB |
|---|---|---|
| Operating Cash Flow | $40M | $56M |
| Free Cash Flow | $40M | – |
| Capital Spending | $360K | – |
| OCF Growth YoY | 31.8% | -22.0% |
| FCF Growth YoY | 46.4% | – |
| FCF/Sales | 33.8% | – |
| CapEx/Sales | 0.3% | – |
Operational Efficiency
| Metric | CZFS | RBB |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | 5.8x | 6.7x |
Income Statement
| Metric | CZFS | RBB |
|---|---|---|
| Total Revenue | $119M | $153M |
| Net Income | – | $44M |
Dividend & Shareholder Information
| Metric | CZFS | RBB |
|---|---|---|
| Dividends Per Share | $2.02 | $0.65 |
| Payout Ratio | 22.6% | 34.2% |
| Shares Outstanding | 5M | 17M |
| Net Income Growth | – | 112.7% |
| EPS Growth | 25.6% | 18.8% |
CZFS vs RBB: stock comparison and AI forecast
Which is bigger, CZFS or RBB?
CZFS and RBB have similar market capitalizations ($414M and $435M).
Which is cheaper on earnings, CZFS or RBB?
CZFS trades at 9.6 times trailing earnings, RBB at 13.5 times.
Which one does Intratio's AI model rank higher, CZFS or RBB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.