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CZFS vs MA

CZFS
Citizens Financial Services, Inc.
NEUTRAL
Price
$66.10
Market Cap
$317.8M
Sector
Financial Services
AI Confidence
80%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
CZFS
8.67
MA
30.28
Forward P/E
CZFS
8.34
MA
22.05
P/B Ratio
CZFS
0.94
MA
57.74
P/S Ratio
CZFS
2.89
MA
13.6
EV/EBITDA
CZFS
--
MA
22.13

Profitability

Gross Margin
CZFS
0.0%
MA
100.0%
Operating Margin
CZFS
46.84%
MA
57.73%
Profit Margin
CZFS
33.26%
MA
45.65%
ROE
CZFS
11.47%
MA
209.91%
ROA
CZFS
1.2%
MA
23.72%

Growth

Revenue Growth
CZFS
9.7%
MA
17.6%
Earnings Growth
CZFS
31.3%
MA
24.2%

Financial Health

Debt/Equity
CZFS
--
MA
2.56
Current Ratio
CZFS
--
MA
1.03
Quick Ratio
CZFS
--
MA
0.68

Dividends

Dividend Yield
CZFS
3.03%
MA
0.7%
Payout Ratio
CZFS
26.05%
MA
18.4%

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)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

CZFS vs MA: Head-to-Head Comparison

This page compares Citizens Financial Services, Inc. (CZFS) and Mastercard Incorporated (MA) 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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