CZFS vs PLBC
CZFS: A community-focused regional bank serving north-central Pennsylvania and surrounding areas through deposit-taking, residential and commercial lending, and trust services. PLBC: Independent community bank serving northeastern California and northwestern Nevada through personalized banking services and SBA lending with $2.2 billion in assets.
Side-by-side fundamentals
| Metric | CZFS | PLBC | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $75.97 | $61.45 | |
| Market cap as of 2026-07-30 | $371M | $428M | |
| P/E as of 2026-07-30 | 9.44 | 12.06 | CZFS lower |
| PEG as of 2026-07-30 | 0.24 | 2.60 | CZFS lower |
| Net margin as of 2026-07-30 | +20.6% | +37.6% | PLBC higher |
| Operating margin as of 2026-07-30 | +25.0% | +50.7% | PLBC higher |
| ROE as of 2026-07-30 | +11.9% | +13.7% | PLBC higher |
| ROA as of 2026-07-30 | +1.3% | +1.6% | PLBC higher |
| Debt / equity as of 2026-07-30 | 0.58 | 0.28 | PLBC lower |
| Revenue growth (YoY) as of 2026-07-30 | +45.7% | +31.5% | CZFS higher |
| Revenue CAGR (3y) SEC XBRL | +4.8% | n/a | |
| Dividend yield as of 2026-07-30 | +2.7% | +2.1% | CZFS higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-30 | 0.37 | 0.58 | |
| 1-year return as of 2026-07-27 close | +31.0% | +46.3% | PLBC higher |
Fundamentals: market data, as of 2026-07-30. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
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.