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CF Bankshares Inc. (CFBK) vs Citizens Community Bancorp, Inc. (CZWI)

CF Bankshares Inc. and Citizens Community Bancorp, Inc. are both Banks Regional companies. CF Bankshares Inc. and Citizens Community Bancorp, Inc. are of similar size ($234.1M and $227.4M). CF Bankshares Inc. trades at the lower P/E: 11.9× against 18.2×. Citizens Community Bancorp, Inc. grew revenue faster over the last twelve months: 0.57% against −0.37%. CF Bankshares Inc. has the higher net margin (14.8% vs 12.9%) and the higher return on invested capital (25.6% vs 13.7%). Both pay a dividend; Citizens Community Bancorp, Inc. yields more (1.83% vs 1.04%). Across the 19 metrics below, CF Bankshares Inc. leads on 11 and Citizens Community Bancorp, Inc. on 8.

Valuation

Metric CFBK CZWI Banks Regional median
P/E 11.89 18.19 12.02
P/S 1.76 2.32 2.36
P/B 1.13 1.20 1.23
Price to free cash flow 12.29 11.89 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.41% 5.50% 8.21%
Free cash flow yield 8.14% 8.41% 9.23%

Profitability

Metric CFBK CZWI Banks Regional median
Gross margin 50.12% 64.86% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 12.94% 18.82%
Free cash flow margin 14.30% 19.52% 17.97%
Return on equity 9.92% 6.84% 10.28%
Return on assets 0.86% 0.72% 1.13%
Return on invested capital 25.60% 13.73% 8.45%

Growth

Metric CFBK CZWI Banks Regional median
Revenue growth (TTM) (0.37%) 0.57% 6.37%
EPS growth (last fiscal year) 30.58% 8.96% 18.85%
Revenue growth, 5-year CAGR 4.23% 3.55% 12.65%
Net income growth, 5-year CAGR (9.06%) 2.53% 9.81%

Health

Metric CFBK CZWI Banks Regional median
Debt to equity 0.59 0.00 0.17
Current ratio 1.14 0.96 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK CZWI Banks Regional median
Dividend yield 1.04% 1.83% 2.49%
Payout ratio 0.12 0.33 0.29

Size

Metric CFBK CZWI Banks Regional median
Market cap 234.05m 227.41m 934.85m

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