Community Bancorp. (CMTV) vs Citizens Community Bancorp, Inc. (CZWI)

Community Bancorp. and Citizens Community Bancorp, Inc. are both Banks Regional companies. Community Bancorp. is the larger, with a market value of $226.7M against $204.7M — 1.1× the size. Community Bancorp. trades at the lower P/E: 12.4× against 16.3×. Community Bancorp. grew revenue faster over the last twelve months: 9.39% against 0.57%. Community Bancorp. has the higher net margin (25.6% vs 12.9%) and the lower return on invested capital (12.9% vs 13.7%). Across the 19 metrics below, Community Bancorp. leads on 11 and Citizens Community Bancorp, Inc. on 8.

Valuation

Metric CMTV CZWI Banks Regional median
P/E 12.43 16.29 12.15
P/S 3.18 2.08 2.37
P/B 1.89 1.08 1.21
Price to free cash flow 11.37 10.65 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.00 0.90 2.27
Earnings yield 8.05% 6.14% 8.11%
Free cash flow yield 8.80% 9.39% 8.98%

Profitability

Metric CMTV CZWI Banks Regional median
Gross margin 72.41% 64.86% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.64% 12.94% 18.66%
Free cash flow margin 27.99% 19.52% 21.18%
Return on equity 16.34% 6.84% 10.64%
Return on assets 1.58% 0.72% 1.13%
Return on invested capital 12.86% 13.73% 8.33%

Growth

Metric CMTV CZWI Banks Regional median
Revenue growth (TTM) 9.39% 0.57% 6.61%
EPS growth (last fiscal year) 32.02% 8.96% —
Revenue growth, 5-year CAGR 11.55% 3.55% 12.30%
Net income growth, 5-year CAGR 9.54% 2.53% 9.71%

Health

Metric CMTV CZWI Banks Regional median
Debt to equity 0.11 0.00 0.22
Current ratio 0.95 0.96 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CMTV CZWI Banks Regional median
Dividend yield — 2.63% 3.75%
Payout ratio — 0.19 0.27

Size

Metric CMTV CZWI Banks Regional median
Market cap 226.67m 204.68m 921.07m

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