Citizens Financial Services Inc. (CZFS) vs Mvb Financial Corp. (MVBF)
- Citizens Financial Services Inc. CZFS 80.21 +1.38%
- Mvb Financial Corp. MVBF 29.23 +0.55%
Citizens Financial Services Inc. and Mvb Financial Corp. are both Banks Regional companies. Citizens Financial Services Inc. and Mvb Financial Corp. are of similar size ($380.6M and $377.0M). Citizens Financial Services Inc. trades at the lower P/E: 9.4× against 9.6×. Mvb Financial Corp. grew revenue faster over the last twelve months: 17.1% against 3.35%. Citizens Financial Services Inc. has the higher net margin (23.3% vs 15.2%) and the lower return on invested capital (4.48% vs 37.5%). Both pay a dividend; Citizens Financial Services Inc. yields more (2.52% vs 2.33%). Across the 18 metrics below, Citizens Financial Services Inc. leads on 12 and Mvb Financial Corp. on 6.
Valuation
Profitability
| Metric | CZFS | MVBF | Banks Regional median |
|---|---|---|---|
| Gross margin | 67.06% | 73.61% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 23.31% | 15.19% | 18.66% |
| Free cash flow margin | 20.95% | (14.38%) | 21.11% |
| Return on equity | 12.32% | 12.00% | 10.65% |
| Return on assets | 1.33% | 1.15% | 1.13% |
| Return on invested capital | 4.48% | 37.46% | 8.35% |
Growth
Health
Dividend
Size
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