CZFS vs MSBI
CZFS: A community-focused bank holding company serving Pennsylvania, New York, and Delaware through a network of full-service banking and trust offices. MSBI: Midland States Bancorp is a diversified financial services company providing regional commercial and retail banking, trust, and wealth management services.
Side-by-side fundamentals
| Metric | CZFS | MSBI | Edge |
|---|---|---|---|
| Price as of 2026-07-31 close | $77.52 | $33.67 | |
| Market cap as of 2026-08-03 | $372M | $699M | |
| P/E as of 2026-08-03 | 9.46 | 20.64 | CZFS lower |
| PEG as of 2026-08-03 | 0.30 | n/a | |
| Net margin as of 2026-08-03 | +20.6% | +28.7% | MSBI higher |
| Operating margin as of 2026-08-03 | +25.0% | +39.9% | MSBI higher |
| ROE as of 2026-08-03 | +11.9% | +6.2% | CZFS higher |
| ROA as of 2026-08-03 | +1.3% | +0.5% | CZFS higher |
| Debt / equity as of 2026-08-03 | 0.58 | 0.42 | MSBI lower |
| Revenue growth (YoY) as of 2026-08-03 | +45.7% | +43.3% | CZFS higher |
| Revenue CAGR (3y) SEC XBRL | +4.8% | n/a | |
| Dividend yield as of 2026-08-03 | +2.6% | +3.8% | MSBI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-08-03 | 0.91 | 0.80 | |
| 1-year return as of 2026-07-31 close | +44.4% | +98.5% | MSBI higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-31.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.