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Citizens Financial Services Inc. (CZFS) vs Eagle Point Credit Company (ECC)

Citizens Financial Services Inc. and Eagle Point Credit Company are both in the Financial sector (Banks Regional and Closed End Fund Debt). Citizens Financial Services Inc. and Eagle Point Credit Company are of similar size ($385.7M and $380.6M). Eagle Point Credit Company has negative trailing earnings, so its P/E is not meaningful; Citizens Financial Services Inc. trades at 9.4×. Citizens Financial Services Inc. grew revenue faster over the last twelve months: 3.35% against −7.08%. Citizens Financial Services Inc. has the higher net margin (23.3% vs −94.2%) and the lower return on invested capital (4.48% vs 9.41%). Both pay a dividend; Eagle Point Credit Company yields more (42.8% vs 2.52%). Across the 20 metrics below, Eagle Point Credit Company leads on 11 and Citizens Financial Services Inc. on 9.

Valuation

Metric CZFS ECC
P/E 9.37 n/m
P/S 2.18 2.10
P/B 1.09 0.64
Price to free cash flow 10.43 1.60
EV/EBITDA — —
EV/Sales — —
Earnings yield 10.67% (41.80%)
Free cash flow yield 9.59% 62.55%

Profitability

Metric CZFS ECC
Gross margin 67.06% 100.00%
Operating margin 0.00% 74.11%
Net margin 23.31% (94.21%)
Free cash flow margin 20.95% 131.50%
Return on equity 12.32% (22.69%)
Return on assets 1.33% (13.00%)
Return on invested capital 4.48% 9.41%

Growth

Metric CZFS ECC
Revenue growth (TTM) 3.35% (7.08%)
EPS growth (last fiscal year) 30.26% (214.14%)
Revenue growth, 5-year CAGR 16.25% 26.27%
Net income growth, 5-year CAGR 7.82% 0.00%

Health

Metric CZFS ECC
Debt to equity 1.12 0.37
Current ratio 1.02 0.54
Net debt to EBITDA 0.00 1.52

Dividend

Metric CZFS ECC
Dividend yield 2.52% 42.76%
Payout ratio 0.24 —

Size

Metric CZFS ECC
Market cap 380.56m 385.73m

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