Both in Banking & Credit
Citizens Financial Services vs Norwood Financial
Over the past year CZFS returned +52.2% and NWFL returned +33.2%; their daily moves had a correlation of 0.45.
CZFS +52.2% NWFL +33.2%Growth of $1, one year, split-adjusted
| Metric | CZFS | NWFL |
|---|---|---|
| Price | $82.65 | $35.73 |
| Market cap | $397.5M | $390.0M |
| Today | −1.90% | −3.90% |
| 1 month | +3.2% | +7.2% |
| 6 months | +27.3% | +22.6% |
| Year to date | +44.9% | +27.4% |
| 1 year | +49.3% | +32.5% |
| Revenue growth (YoY) | +2.6% | +28.5% |
| Gross margin | 68.3% | 68.3% |
| Net margin | 23.4% | 21.7% |
| P/E (TTM) | 9.7× | 13.5× |
| Price / sales | 2.3× | 2.5× |
| Net cash | $148.7M | $440.1M |
| Dividend yield | 2.47% | 3.58% |
| Volatility (60d) | 21.7% | 21.9% |
| Short % of float | 1.5% | 1.6% |
| Next earnings | — | — |
Shading marks the stronger figure where one clearly exists (lower is better for valuation and volatility).