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Citizens Financial Services Inc. (CZFS) vs Primis Financial Corp. (FRST)

Citizens Financial Services Inc. and Primis Financial Corp. are both Banks Regional companies. Citizens Financial Services Inc. and Primis Financial Corp. are of similar size ($382.9M and $380.6M). Primis Financial Corp. trades at the lower P/E: 7.2× against 9.4×. Primis Financial Corp. grew revenue faster over the last twelve months: 13.2% against 3.35%. Citizens Financial Services Inc. has the higher net margin (23.3% vs 17.0%) and the lower return on invested capital (4.48% vs 13.0%). Only Citizens Financial Services Inc. pays a dividend (2.52%). Across the 18 metrics below, Primis Financial Corp. leads on 13 and Citizens Financial Services Inc. on 5.

Valuation

Metric CZFS FRST Banks Regional median
P/E 9.37 7.16 11.98
P/S 2.18 1.22 2.34
P/B 1.09 0.88 1.19
Price to free cash flow 10.43 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.67% 13.96% 8.23%
Free cash flow yield 9.59% (10.95%) 9.08%

Profitability

Metric CZFS FRST Banks Regional median
Gross margin 67.06% 71.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.31% 16.99% 18.66%
Free cash flow margin 20.95% (13.40%) 21.11%
Return on equity 12.32% 13.11% 10.65%
Return on assets 1.33% 1.29% 1.13%
Return on invested capital 4.48% 13.03% 8.35%

Growth

Metric CZFS FRST Banks Regional median
Revenue growth (TTM) 3.35% 13.18% 6.98%
EPS growth (last fiscal year) 30.26% 903.23% 18.88%
Revenue growth, 5-year CAGR 16.25% 18.77% 12.38%
Net income growth, 5-year CAGR 7.82% 21.74% 9.71%

Health

Metric CZFS FRST Banks Regional median
Debt to equity 1.12 0.16 0.22
Current ratio 1.02 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CZFS FRST Banks Regional median
Dividend yield 2.52% 0.00% 2.57%
Payout ratio 0.24 0.00 0.30

Size

Metric CZFS FRST Banks Regional median
Market cap 380.56m 382.90m 913.33m

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