` Comparison: CZFS, MTB - Alpha Spread

CZFS
vs
MTB

Over the past 12 months, CZFS has underperformed MTB, delivering a return of -2% compared to the MTB's +11% growth.

Valuation Growth Profitability Solvency Stocks Performance
Start AI Comparison

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
CZFS
MTB
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Smart Verdict is Ready!
See Who Stands Out.
All the numbers, charts, and metrics summarized into one smart verdict.
Stocks Compared:
CZFS MTB
Show Comparison Results
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

CZFS Intrinsic Value
94.15 USD
Undervaluation 35%
Intrinsic Value
Price
MTB Intrinsic Value
254.91 USD
Undervaluation 19%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Citizens Financial Services Inc
NASDAQ:CZFS
61.47 USD
M&T Bank Corp
NYSE:MTB
206.71 USD
No Stocks Selected

Compare the stock's valuation with its competitors.

Select Stocks to Compare
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CZFS, MTB

CZFS
MTB
Add Stock
Revenue
www.alphaspread.com
No Stocks Selected

Compare company's financials with its competitors.

Select Stocks to Compare
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Citizens Financial Services Inc
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

No Stocks Selected

Compare company's financials with its competitors.

Select Stocks to Compare

Profitability Comparison

Free Cash Flow
CZFS, MTB

CZFS
MTB
Add Stock
Free Cash Flow
www.alphaspread.com
No Stocks Selected

Compare company's free cash flow with its competitors.

Select Stocks to Compare
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Citizens Financial Services Inc
NASDAQ:CZFS
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
No Stocks Selected

Compare company's free cash flow with its competitors.

Select Stocks to Compare
What is Free Cash Flow?

Gross Margin

CZFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

CZFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

CZFS
31.3%
MTB
27.3%

FCF Margin

CZFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

CZFS
10.9%
MTB
9.1%

ROA

CZFS
1.1%
MTB
1.2%

ROIC

CZFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

CZFS
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
Citizens Financial Services Inc
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

No Stocks Selected

Compare company's equity waterfall with its competitors.

Select Stocks to Compare
Balance Sheet Comparison
No Stocks Selected

Compare company's balance sheet with its competitors.

Select Stocks to Compare

Stocks Performance

Stocks Performance
CZFS, MTB

Loading
CZFS
MTB
Add Stock
www.alphaspread.com
1Y 3Y 5Y 10Y 15Y 20Y
No Stocks Selected

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

Performance Gap
CZFS, MTB

Loading
CZFS
MTB
Difference
www.alphaspread.com
1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CZFS, MTB

Loading
CZFS
MTB
Add Stock
No Stocks Selected

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare CZFS to other stocks
Unlock Full Access to Alpha Spread
Create Free Account
ALPHA SPREAD
Follow us
Join more than 303,700+ value investors using Alpha Spread
Create Free Account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2025 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.