How comparing works here
How do I compare two companies?
Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.
Can I compare an ETF with a stock?
Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.
Side by side
Compare
Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.
Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.
Relative performance
Rebased so every symbol starts at 0%
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Side by side
Latest annual figures from each company's filings
| Metric | CZNLCitizens National Corp | BSPABallston Spa Bancorp, Inc. | BKOROak Ridge Financial Services Inc | CPBICentral Plains Bancshares, Inc. | Median of the restexcluding CZNL |
|---|---|---|---|---|---|
| Type | Company | Company | Company | Company | |
| Price | $85.00▲ 0.00 (0.00%) | $80.77▲ 0.73 (0.91%) | $31.88▼ 0.07 (0.22%) | $20.75▼ 0.09 (0.43%) | |
| Health scoreComposite of profitability, growth, debt and accounting quality. | 7.3/10 | 7.3/10 | 7.3/10 | 8.0/10 | 7.3/10 |
| Market value | $83.0M | $60.0M | $87.4M | $87.1M | |
| Revenue | $24.7M | $29.8M | $30.6M | — | |
| Profit | $5.7M | $4.5M | $8.0M | $4.0M | |
| Revenue growthChange in sales versus the prior year. | 6.3% | 9.2% | 13.5% | — | 11.4% |
| Gross marginShare of sales left after the direct cost of producing them. | — | — | — | — | — |
| Operating marginShare of sales left after running the business, before interest and tax. | — | — | — | — | — |
| Profit marginProfit kept from each dollar of sales. | 23.1% | 15.2% | 26.1% | — | 20.7% |
| Free cash flow marginCash left after capital spending, as a share of sales. | 22.4% | 6.9% | 22.8% | — | 14.9% |
| Return on equityProfit against the owners' stake in the company. | 7.1% | 6.4% | 11.2% | 4.5% | 6.4% |
| Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies. | — | — | — | — | — |
| P/E ratioPrice paid per dollar of annual profit. | 14.55x | 13.22x | 10.91x | 21.77x | 13.22x |
| EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies. | — | — | — | — | — |
| Price to book | 1.03x | 0.84x | 1.23x | 0.98x | 0.98x |
| Debt to equityTotal liabilities compared with owners' stake. | 7.52x | 12.05x | 8.26x | 5.28x | 8.26x |
| Piotroski F-ScoreNine checks of financial strength. Higher is stronger. | 6/6 | 6/7 | 5/5 | 5/5 | 5.0 |
| Bankruptcy riskAltman Z-Score zone. | not reported | n/a for banks | not reported | n/a for banks |
How CZNL compares with the others
- CZNL's profit margin of 23.1% is higher than the median of the other companies selected (20.7%).
- Its revenue grew more slowly than the median of the other companies selected: 6.3% against 11.4%.
- It trades at a higher P/E than the median of the other companies selected: 14.5x against 13.2x.
Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.