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Citizens Financial Services Inc. (CZFS) vs FIRST CAROL FIN (FCBM)

Citizens Financial Services Inc. and FIRST CAROL FIN are both Banks Regional companies. Citizens Financial Services Inc. and FIRST CAROL FIN are of similar size ($410.5M and $400.2M). Across the 5 metrics below, Citizens Financial Services Inc. leads on 3 and FIRST CAROL FIN on 2.

Valuation

Metric CZFS FCBM Banks Regional median
P/E 10.08 — 12.46
P/S 2.35 n/m 2.41
P/B 1.17 0.75 1.26
Price to free cash flow 11.22 n/m 11.00
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 9.92% — 7.96%
Free cash flow yield 8.92% 0.00% 8.80%

Profitability

Metric CZFS FCBM Banks Regional median
Gross margin 67.06% — 69.75%
Operating margin 0.00% — 0.00%
Net margin 23.31% — 18.88%
Free cash flow margin 20.95% — 17.28%
Return on equity 12.32% — 10.43%
Return on assets 1.33% — 1.14%
Return on invested capital 4.48% 0.00% 8.47%

Growth

Metric CZFS FCBM Banks Regional median
Revenue growth (TTM) 3.35% — 6.94%
EPS growth (last fiscal year) 30.26% — 18.88%
Revenue growth, 5-year CAGR 16.25% — 12.56%
Net income growth, 5-year CAGR 7.82% — 9.78%

Health

Metric CZFS FCBM Banks Regional median
Debt to equity 1.12 0.15 0.20
Current ratio 1.02 0.98 0.94
Net debt to EBITDA 0.00 — 0.00

Dividend

Metric CZFS FCBM Banks Regional median
Dividend yield 2.34% — 2.64%
Payout ratio 0.24 — 0.32

Size

Metric CZFS FCBM Banks Regional median
Market cap 410.52m 400.17m 910.32m

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