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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.36
OTCPK:CZMO's Cash to Debt is ranked lower than
108% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. OTCPK:CZMO: 0.36 )
OTCPK:CZMO' s 10-Year Cash to Debt Range
Min: 0.12   Max: 2.09
Current: 0.36

0.12
2.09
Equity to Asset 0.12
OTCPK:CZMO's Equity to Asset is ranked lower than
86% of the 2022 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. OTCPK:CZMO: 0.12 )
OTCPK:CZMO' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.14
Current: 0.12

0.07
0.14
Interest Coverage 3.05
OTCPK:CZMO's Interest Coverage is ranked lower than
93% of the 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. OTCPK:CZMO: 3.05 )
OTCPK:CZMO' s 10-Year Interest Coverage Range
Min: 0.01   Max: 3.6
Current: 3.05

0.01
3.6
F-Score: 5
Z-Score: 0.26
WACC vs ROIC
7.56%
5.23%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 27.90
OTCPK:CZMO's Operating margin (%) is ranked lower than
85% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 vs. OTCPK:CZMO: 27.90 )
OTCPK:CZMO' s 10-Year Operating margin (%) Range
Min: -29.97   Max: 39.32
Current: 27.9

-29.97
39.32
Net-margin (%) 21.73
OTCPK:CZMO's Net-margin (%) is ranked lower than
85% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 vs. OTCPK:CZMO: 21.73 )
OTCPK:CZMO' s 10-Year Net-margin (%) Range
Min: -19.13   Max: 27.8
Current: 21.73

-19.13
27.8
ROE (%) 8.02
OTCPK:CZMO's ROE (%) is ranked lower than
85% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. OTCPK:CZMO: 8.02 )
OTCPK:CZMO' s 10-Year ROE (%) Range
Min: -6.95   Max: 18.78
Current: 8.02

-6.95
18.78
ROA (%) 0.97
OTCPK:CZMO's ROA (%) is ranked lower than
85% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. OTCPK:CZMO: 0.97 )
OTCPK:CZMO' s 10-Year ROA (%) Range
Min: -0.86   Max: 1.74
Current: 0.97

-0.86
1.74
ROC (Joel Greenblatt) (%) 126.21
OTCPK:CZMO's ROC (Joel Greenblatt) (%) is ranked lower than
86% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 vs. OTCPK:CZMO: 126.21 )
OTCPK:CZMO' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -158.07   Max: 329.56
Current: 126.21

-158.07
329.56
Revenue Growth (3Y)(%) -4.60
OTCPK:CZMO's Revenue Growth (3Y)(%) is ranked lower than
101% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. OTCPK:CZMO: -4.60 )
OTCPK:CZMO' s 10-Year Revenue Growth (3Y)(%) Range
Min: -14.8   Max: 11.1
Current: -4.6

-14.8
11.1
EBITDA Growth (3Y)(%) 38.00
OTCPK:CZMO's EBITDA Growth (3Y)(%) is ranked lower than
111% of the 1571 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. OTCPK:CZMO: 38.00 )
OTCPK:CZMO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -42.7   Max: 38
Current: 38

-42.7
38

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Ratios

vs
industry
vs
history
P/E(ttm) 12.60
CZMO's P/E(ttm) is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CZMO: 12.60 )
CZMO' s 10-Year P/E(ttm) Range
Min: 3.45   Max: 80.57
Current: 12.6

3.45
80.57
Forward P/E 10.85
CZMO's Forward P/E is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. CZMO: 10.85 )
N/A
PE(NRI) 12.50
CZMO's PE(NRI) is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CZMO: 12.50 )
CZMO' s 10-Year PE(NRI) Range
Min: 3.45   Max: 80.14
Current: 12.5

3.45
80.14
P/B 1.01
CZMO's P/B is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. CZMO: 1.01 )
CZMO' s 10-Year P/B Range
Min: 0.15   Max: 2.68
Current: 1.01

0.15
2.68
P/S 2.70
CZMO's P/S is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. CZMO: 2.70 )
CZMO' s 10-Year P/S Range
Min: 0.29   Max: 3.98
Current: 2.7

0.29
3.98
PFCF 21.22
CZMO's PFCF is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZMO: 21.22 )
CZMO' s 10-Year PFCF Range
Min: 0.87   Max: 162.84
Current: 21.22

0.87
162.84
POCF 10.14
CZMO's POCF is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. CZMO: 10.14 )
CZMO' s 10-Year POCF Range
Min: 0.71   Max: 830.5
Current: 10.14

0.71
830.5
EV-to-EBIT 14.88
CZMO's EV-to-EBIT is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. CZMO: 14.88 )
CZMO' s 10-Year EV-to-EBIT Range
Min: -53.6   Max: 1660.3
Current: 14.88

-53.6
1660.3
Shiller P/E 71.69
CZMO's Shiller P/E is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. CZMO: 71.69 )
CZMO' s 10-Year Shiller P/E Range
Min: 1.48   Max: 74.51
Current: 71.69

1.48
74.51

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
CZMO's Price/Tangible Book is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. CZMO: 1.57 )
CZMO' s 10-Year Price/Tangible Book Range
Min: 0.46   Max: 7.03
Current: 1.57

0.46
7.03
Price/DCF (Projected) 0.57
CZMO's Price/DCF (Projected) is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. CZMO: 0.57 )
CZMO' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 2.94
Current: 0.57

0.13
2.94
Price/Median PS Value 1.16
CZMO's Price/Median PS Value is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. CZMO: 1.16 )
CZMO' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 2.53
Current: 1.16

0.2
2.53
Price/Graham Number 0.89
CZMO's Price/Graham Number is ranked lower than
65% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CZMO: 0.89 )
CZMO' s 10-Year Price/Graham Number Range
Min: 0.61   Max: 3.76
Current: 0.89

0.61
3.76
Earnings Yield (Greenblatt) 6.70
CZMO's Earnings Yield (Greenblatt) is ranked lower than
85% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. CZMO: 6.70 )
CZMO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 13.2
Current: 6.7

0.1
13.2
Forward Rate of Return (Yacktman) -8.23
CZMO's Forward Rate of Return (Yacktman) is ranked lower than
133% of the 1311 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.44 vs. CZMO: -8.23 )
CZMO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.8   Max: 49.1
Current: -8.23

-0.8
49.1

Business Description

Industry: Banks » Banks - Regional - US
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