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CZFS vs JPM

CZFS
Citizens Financial Services, Inc.
NEUTRAL
Price
$66.10
Market Cap
$317.8M
Sector
Financial Services
AI Confidence
80%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
CZFS
8.67
JPM
14.69
Forward P/E
CZFS
8.34
JPM
12.62
P/B Ratio
CZFS
0.94
JPM
2.32
P/S Ratio
CZFS
2.89
JPM
4.72
EV/EBITDA
CZFS
--
JPM
--

Profitability

Gross Margin
CZFS
0.0%
JPM
0.0%
Operating Margin
CZFS
46.84%
JPM
41.06%
Profit Margin
CZFS
33.26%
JPM
33.91%
ROE
CZFS
11.47%
JPM
16.13%
ROA
CZFS
1.2%
JPM
1.35%

Growth

Revenue Growth
CZFS
9.7%
JPM
2.5%
Earnings Growth
CZFS
31.3%
JPM
-3.6%

Financial Health

Debt/Equity
CZFS
--
JPM
--
Current Ratio
CZFS
--
JPM
--
Quick Ratio
CZFS
--
JPM
--

Dividends

Dividend Yield
CZFS
3.03%
JPM
2.11%
Payout Ratio
CZFS
26.05%
JPM
28.97%

AI Verdict

CZFS NEUTRAL

CZFS shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 8.7
Undervalued vs Graham Number ($109.8)
Strong profitability (33.3% margin)
Risks
Weak financial trend (Piotroski F-Score: 3/9)
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

CZFS vs JPM: Head-to-Head Comparison

This page compares Citizens Financial Services, Inc. (CZFS) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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